Best Citi Credit Cards

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 50,000 AAdvantage® mile bonus after spending $2,500 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.

Benefits

Are you looking for a balance transfer credit card with a long introductory 0% APR period? How about a card with no annual fee? Look no further than Citi Diamond Preferred Card. With this credit card you will receive 0% APR for the first 12 months on purchases and 0% for 21 months on balance transfers. Few credit cards can offer the same. Once the introductory period has ended the APR will change to 15.99% - 26.74% Variable.

Things to Consider

If you are planning to transfer an existing balance, then it’s important to know there will be a fee of either $5 or 5%, whichever is greater. Before you complete the transfer make sure you do the math to see if the savings on interest is greater than the cost.

Verdict

For anyone looking to transfer a high interest balance, Citi Diamond Preferred Card doesn’t disappoint. With an introductory APR on balance transfers for a year and a half, no other card can beat it.

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.

Things to Consider

Citi Secured Mastercard comes with no annual fee. There is an issue for some people with poor credit. If you have a pending bankruptcy, too much outstanding debt, or lack of income; you may be declined. This card will also come with a high variable APR of 23.24%.

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.

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.

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.