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Best Citi Credit Cards

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by Sean Bryant | Updated Apr. 16, 2019

Overview of the Best Citi Credit Cards

No matter if you are a student with very little credit history, a consumer with an established credit portfolio, or a small business owner, Citibank has a card for you. Plus, Citi credit cards come in many different forms. You will find cash back cards, travel reward cards, cards that offer an introductory 0% APR, and even cards that have are meant to solely improve your credit score. In addition to all of this, Citibank credit cards are also available on the Visa, MasterCard, and American Express networks. We have gone through and analyzed all the available Citibank cards, and found these to be the best cards currently available. See More



Best Citi Credit Card for Travel

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  • Earn 60,000 American Airlines AAdvantage® bonus miles after $3,000 in purchases within the first 3 months of account opening*
  • Earn 2 AAdvantage® miles for every $1 spent at gas stations*
  • Earn 2 AAdvantage® miles for every $1 spent at restaurants*
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases*
  • Earn a $125 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card*
  • No Foreign Transaction Fees*
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation*
  • Enjoy preferred boarding on American Airlines flights*
  • Receive 25% savings on in-flight food and beverage purchases when you use your card on American Airlines flights*

Annual Fee

$99, waived for the first 12 months

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

18.24% - 26.24% Variable

Benefits

Are you are a frequent traveler, looking for a new credit card? Then look no further than the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®. This card will offer American Airlines flyers a lot of great benefits.

When you sign up, you will receive a 60,000 AAdvantage® mile bonus after spending $3,000 within the first 3 months. You will also receive 2x miles per dollar when you spend at gas stations, restaurants, and when you use your card for eligible American Airlines purchases. Every other purchase will receive 1x points.

In addition to being able to earn AAdvantage® miles on purchases, this card comes with several other useful benefits. You and up to four travel companions will receive your first checked bag for free. You will also receive priority boarding, which will let you board your flight before most other passengers. When you’re flying on an American Airlines flight, you will receive 25% off in-flight food or beverage purchases.

Things to Consider

Just like any other airline credit card, there are limited ways to redeem the miles you earn. You can do so on American Airlines flights or with any other OneWorld alliance member. This card also comes with an annual fee of $99, which is waived the first year.

Verdict

If you frequently fly on American Airlines, then this a great travel credit card for your wallet. It offers an above average signup bonus, and the ability to earn additional miles on American Airlines purchases.

Best Citi Credit Card for Poor Credit

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  • The Citi® Secured Mastercard® is a no annual fee credit card that helps you build your credit when used responsibly.
  • Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus. Once available, you will also have free access to your FICO score online.
  • Use your card anywhere Mastercard® is accepted – worldwide.
  • A security deposit is required. Once approved, your credit limit will be equal to your security deposit (minimum of $200).
  • Get help staying on track with Auto Pay and account alerts.
  • With Flexible Payment Due Dates, you can choose any available due date in the beginning, middle or end of the month.
  • Manage your account 24/7 online, by phone, or in our mobile app.

Annual Fee

$0

Purchase Intro APR

N/A

Balance Transfer Intro APR

N/A

Regular APR

24.74% Variable

Benefits

If you are looking for a new credit card and you have poor credit or no credit at all, then you are likely going to be needing a secured credit card. There are a lot of secured cards to choose from, but one of the best is Citi® Secured Mastercard®.

Just like most other Secured cards, Citi® Secured Mastercard® requires approved cardholders to put down a deposit of $200-$2,500. This will act as your credit limit and protect Citi in case you default.

One of the nice things about this card is that it will report to all three credit bureaus. As you continue to make payments on time, your credit score will improve. This will allow you to eventually move into a better unsecured credit card.

This card does not offer any rewards, but it does have several other helpful benefits. It comes with purchase protection, extended warranty coverage, car rental insurance, trip interruption/trip cancellation insurance and travel accident insurance.

Things to Consider

Citi® Secured Mastercard® comes with no annual fee. There is an issue for some people with poor credit. If you have filed for bankruptcy in the past two years, your application will be declined. This card will also come with a high variable APR of 24.74%.

Verdict

If you have poor credit or no credit at all, then you should have confidence when applying for Citi® Secured Mastercard®. Not only will the card come with no annual fee, but it’s also issued by one of the largest card issuers.

Best Citi Credit Card for Cash Back

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  • Exclusively for Costco Members: Go Big with Cash Back Rewards
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • No annual fee with your paid Costco membership*

Annual Fee

$0*

Purchase Intro APR

0% for 7 Months

Balance Transfer Intro APR

N/A

Regular APR

17.49% Variable

Benefits

If you are a Costco member, then you have access to one of the best cash back credit cards. Costco Anywhere Visa® Card by Citi offers massive cash back opportunities both inside and outside Costco stores.

When you use your card on eligible gas purchases, including gas at Costco, you’ll receive 4% back (up to $7,000 per year). Plus, any purchases at restaurants and eligible travel will earn 3% back. Then when you use the card to shop at Costco or Costco.com you will receive 2% cash back. Any other purchase will receive 1% back.

To make cash back redemption simple, you will receive a check every February with the entire amount earned the previous year. For some people this might not be ideal, but for anyone that does a lot of shopping at Costco, it isn’t an issue.

Things to Consider

There isn’t an annual fee for Costco Anywhere Visa® Card by Citi, but it does require you to have at least a basic Costco membership. The cost for that is $60, but can easily be paid for if you can take advantage of all the cash back bonus categories.

This card also comes with an introductory 0% APR on purchases for the first 7 months. This can be ideal for anyone looking to make a large purchase, but wants a little extra time to pay it off.

Verdict

You won’t find another credit card that offers a better reward on gas purchases than this card. If you are not a Costco member, then this alone should make you consider signing up.

Methodology SmartAsset has developed a quantitative and independent system for evaluating the relative value of a credit card offer versus other offers in the marketplace. Our system evaluates cards based exclusively on their features, such as their rewards earning rate (if applicable), fees, perks, and rewards program redemption options. The annual rewards values on this page are calculated using annual spending assumptions in various categories such as, but not limited to, gas, restaurants, airfare, and US supermarkets. These spending assumptions are built on research that SmartAsset has conducted on existing cash back credit cardholders. Our promise with our credit card recommendations is that we will always strive to have the most comprehensive, accurate, and objective method of evaluating credit card offers. Any recommendations are solely determined by the result of this research and model, and is never influenced by any fees, commissions, or other forms of compensation that SmartAsset may receive from credit card issuers for leads generated on our website.

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