Top 5 Best Citi® Credit Cards: Which One Is Right for You?

London, UK - October 29, 2013: Corporate branding on the headquarter buildings of Citi at day in London.
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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.

Top 5 Citi Credit Cards

Keep reading to learn about the latest Citi credit card offers and decide which one is right for you.

Credit Card APR Features
– 0% intro APR for 15 months
APR after intro period ends
Best for: Everyday purchases
– No annual fee
– Points for every purchase
– 2x points while shopping at supermarkets and gas stations up to $6,000 in purchases per year
–  APR Best for: Travel rewards
– $99 annual fee after first 12 months
– Offers air mile rewards, travel benefits and more
– Earns one AAdvantage mile with every dollar spent on any purchase
– 2x miles earned on eligible American Airlines purchases, restaurants and gas stations
APR Best for: Costco members
– 4% cash back on eligible gas and EV charging purchases, including Costco gas, on the first $7,000 per year, then 1%
– 3% cash back on restaurants and eligible travel purchases
– 2% on purchases at Costco or
– 1% on other purchases
– 0% intro APR for 12 months on purchases, beginning on the date of account opening
– 0% intro APR for 21 months on balance transfers from date of first transfer
APR after intro period ends
Best for: Balance transfers
– No annual fee
– 5% or $5 balance transfer fee, whichever is higher
– Ticket access, including presale and exclusive events
– 0% intro APR for 18 months on balance transfers
APR after intro period ends
Best for: Cash back
– No annual fee
– Unlimited 1% cash back and another 1% cash back when you pay your bill
– Cash back can be used as statement credit, direct deposit, check or be used as points
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Best Credit Card for Everyday Purchases

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 2x points while shopping at supermarkets and gas stations on the first $6,000 spent in those categories per year.

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 20,000 bonus points after spending just $1,500 within the first 3 months. In addition, you can enjoy a 0% intro APR for 15 months on purchases and balance transfers, followed by a APR.

Best Credit Card for Travel Rewards

The Citi / AAdvantage Platinum Select® World Elite Mastercard 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 2x the miles on eligible American Airlines purchases and at restaurants and gas stations. Keep in mind this card has an annual fee of $99, although it is waived for the first 12 months.

Get Credit Card Perks

Currently, Citi is offering a bonus offer where you can earn 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in the first 3 months.

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 and electric vehicle charging purchases and 1% after that. You can also earn 3% cash back at restaurants and on eligible travel purchases. Every purchase at Costco and on 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.

Get Credit Card Perks

You can transfer balances from other high-rate credit cards and enjoy a 0% intro APR for 12 months on purchases, starting on the date of account opening, and a 0% intro APR on balance transfers for 21 months, beginning on the day of the first transfer. After the introductory period, there will be a APR.

Balance transfers have a fee of either $5 or 5% 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 2% cash back on purchases. It offers unlimited 1% cash back on every purchase and another 1% cash back when you pay your credit card bill 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, after which there will be a APR. 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. 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.


Here are answers to some of the most commonly asked questions about Citi cards.
  • Which Citi card is the easiest to get?
    • The easiest Citi card to get is likely the Citi Secured Mastercard, which is designed for people who are trying to build their credit. You must not have had a bankruptcy in the previous two years to qualify for this card.
  • What is the highest credit limit for Citi?
    • Citi does not openly disclose credit limits for its cards. Typically, the higher your credit score, the higher credit limit you'll qualify for, but banks do take into account other factors, as well.

Cynthia Measom contributed to the reporting for this article.

Rates, offers and requirements are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Jan. 13, 2023.

Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

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About the Author

Sean joined the GOBankingRates team in 2018, bringing with him several years of experience with both military and collegiate writing and editing experience. Sean’s first foray into writing happened when he enlisted in the Marines, with the occupational specialty of combat correspondent. He covered military affairs both in garrison and internationally when he deployed to Afghanistan. After finishing his enlistment, he completed his BA in English at UC Berkeley, eventually moving to Southern California.
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