Top 5 Best Citi Credit Cards
Citi is a global bank focused on delivering responsible financial services and products to consumers, corporations, governments and institutions. The firm offers many exciting credit cards for just about everyone, several with generous perks and benefits. Whether you’re looking for rewards, travel points, balance transfers, cash back or business rewards, Citi has a card option for you.
Keep reading to learn about the latest Citi credit card offers and decide which one is right for you.
|Citi Rewards+ Credit Card||-0% intro APR for 15 months
-13.49% – 23.49% variable APR after intro period ends
|-Best for: everyday purchases
-No annual fee
-Points for every purchase
-Double points while shopping at supermarkets and gas stations
|Citi / AAdvantage Platinum Select World Elite Mastercard Credit Card||-15.99% – 24.99% variable APR||-Best for: Travel rewards
-$95 annual fee
-Offering air mile rewards, travel benefits and more
-Earns one AAdvantage mile with every dollar spent on any purchase
-Double miles earned on American Airlines purchases, restaurants and gas stations
|Costco Anywhere Visa Card||-15.24% standard variable APR||-Best for: Costco members
-4% cash back on gas purchases, including Costco gas
-3% cash back on restaurants and travel
-2% on purchases at Costco or Costco.com
-1% on other purchases
|Citi Diamond Preferred Credit Card||-0% intro APR for 18 months
-13.74% – 23.74% variable APR after intro period ends
|-Best for: Balance transfers
-No annual fee
-3% or 5% balance transfer fee
-Ticket access, including presale and exclusive events
|Citi Double Cash Credit Card||-0% intro APR for 18 months
-13,99% – 23.99% APR after intro period ends
|-Best for: Cash back
-No annual fee
-Unlimited 1% cash back
-Cash back can be used as statement credit, direct deposit, check or be used as points
Best Credit Card for Everyday Rewards
The Citi Rewards+® Credit Card is an excellent option for everyday purchases. The card rewards you with at least one point for every purchase, including those at restaurants and on entertainment. On top of that, you can earn double points while shopping at supermarkets and gas stations.
The Rewards+ card has no annual fee and provides an exclusive benefit where the points you earn are automatically rounded up to the nearest multiple of 10 on every single purchase.
Currently, Citi is offering a bonus offer where you can earn 15,000 bonus points after spending just $1,000. In addition, you can enjoy a 0% intro APR for 15 months on purchases and balance transfers.
Best Credit Card for Travel Rewards
The Citi / AAdvantage Platinum Select® World Elite Mastercard Credit Card is a way for frequent travelers to make the most of their travel. This card offers air mile rewards, travel benefits and much more. You can earn one AAdvantage® mile with every dollar spent on any purchase.
You also earn double the miles on eligible American Airlines purchases, restaurants and gas stations. Keep in mind this card has an annual fee of $95, although it is waived for the first year.
Currently, Citi is offering a bonus offer where you can earn 50,000 American Airlines AAdvantage® bonus miles after spending $2,500.
With American Airlines ramping up its summer flight schedule, now might be a good time to sign up for this card.
Best Credit Card for Costco Members
The Costco Anywhere Visa® Card by Citi rewards Costco members with exclusive benefits. You can earn 4% cash back on the first $7,000 per year of eligible gas purchases and 1% after that. You can also earn 3% cash back at restaurants and on eligible travel purchases.
Every purchase at Costco earns 2% cash back. Every other purchase with the card earns 1% cash back. This card has no annual fee as long as you have an active Costco membership. You can even use the credit card as your membership ID at Costco.
If you are considering a Costco membership, you may want to learn more about the membership tiers, costs and benefits. This card might be a great way to make the most of your Costco membership.
Best Credit Card for Balance Transfers
The Citi® Diamond Preferred® Credit Card is the best option for balance transfers because of its low introductory APR. You can transfer balances from other high-rate credit cards and enjoy a 0% intro APR for 18 months.
That intro APR covers both purchases and balance transfers. Balance transfers have a fee of either $5 or 3% of the transfer, whichever amount is greater. This card does not have an annual fee.
Best Credit Card for Cash Back
The Citi® Double Cash Credit Card is the best option for earning cash back because of its double cash back bonus. It offers unlimited 1% cash back on every purchase and another 1% cash back when you pay for those purchases. There are no caps or category restrictions with this card, nor is there an annual fee.
Citi is currently offering a 0% intro APR bonus offer for 18 months on balance transfers. Unfortunately, balance transfers don’t earn cash back.
With consumer debt soaring to record levels, this could be the right time to consider transferring balances from your high-rate cards to this one.
How To Choose?
The right credit card for you ultimately depends on your habits as a consumer. Try to find a card that maximizes the benefits you receive in the shopping categories that you spend the most money on.
If you’re a frequent traveler, one of the many travel cards might be an excellent choice. Business people may find the CitiBusiness card is right for them. Bulk shoppers at Costco could obtain serious benefits from the Costco Anywhere Visa.
As you evaluate which card is right for you, be sure to consider and compare the various fees, APRs and features before making a final decision.
Sean Dennison contributed to the reporting for this article.
This content is not provided by Citibank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by Citibank.
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