Citibank offers a variety of banking product services, with credit cards being one of its top products.
As one of the largest issuers of credit cards, Citi has a pool of different types of credit cards targeting both individuals and small business consumers. These cards also offer multiple perks and benefits such as cash backs, airline miles, and its proprietary rewards program known as ThankYou points. Whether you are looking for cash back credit cards, travel reward points, or to collect miles from your best airline, you are guaranteed to find a Citi credit card for your specific needs.
Here are The Smart Investor Select’s picks for Citi credit cards:
Card | Rewards | Bonus | Annual Fee | Best For | Citi® Double Cash Card | 1% – 2%
2% cash back rewards rate – 1% every time you swipe and another 1% upon payment.
| N/A
$200 cash back after spending $1,500 on purchases in the first 6 months
| $0 | Cashback |
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Citi Strata Premier℠ Credit Card | 1X – 10X
10X per dollar on hotel, car rentals and attractions booked through CitiTravel.com, 3X points on restaurant, supermarket, gas station, and air travel and other hotels purchases, and 1X points per dollar on all other purchases
| 75,000 points
75,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards on thankyou.com
| $95 | Travel Rewards | |
Costco Anywhere Visa® Card by Citi | 1-4%
4% cash back on on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter, 3% cash back on restaurants and most travel purchases, 2% cash back at Costco and Costco.com, 1% cash back on all other purchases
| None
| $0 ($60 Costco membership fee required) | Shopping | |
Citi Simplicity® Card | None | None | $0 | Balance Transfers | |
Citi® Diamond Preferred® Card |
None | None | $0 | 0% Intro | |
Citi® Secured Mastercard® | None | None | $0 | Bad Credit | |
Best Buy Credit Card | 1-5%
5% back in rewards on shopping at BestBuy, 3% back in rewards on gas purchases, 2% back in rewards on dining, takeout and grocery purchases, 1% back in rewards on everyday purchases
|
None
10% back in rewards on your first day of purchase
| $0 | Store | |
Citi® / AAdvantage® Platinum Select® World Elite Mastercard | 1X – 2X
Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases. Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases.
| 50,000 Miles
50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening
| $99 (waived for the first 12 months)
| American Airlines Flyers | |
Citi Custom Cash℠ Card | 1-5%
5% cash back on your highest eligible spend category each billing cycle up to the first $500 spent and 1% cash back thereafter
| $200
$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening (20,000 ThankYou® Points, which can be redeemed for $200 cash back)
| $0 | No Annual Fee |
Citi® Double Cash Card
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If you're looking for a credit card that offers simple, flat-rate cash back rewards on all your purchases with no annual fee, the Citi Double Cash Card is a great choice. You can earn 1% cash back on every purchase, plus another 1% when you make a payment. With flexible redemption options, this card offers great potential for maximizing your rewards.
The card is also great for those who are looking to transfer their balance since it offers a outstanding intro APR of 18 months on balance transfers (18.74% – 28.74% (Variable) after that).
- Rewards Plan: 2% cash back rewards rate – 1% every time you swipe and another 1% upon payment.
- APR: 18.74% – 28.74% (Variable)
- Annual fee: $0
- Balance Transfer Fee: $5 or 5%
- Foreign Transaction Fee: 3%
- Sign Up bonus: $200 cash back after spending $1,500 on purchases in the first 6 months
- 0% APR Introductory Rate period: 18 months on balance transfers
- Simple and Generous Rewards System
- 0% Intro APR
- Fee Waiver on First Late Payment
- No Annual Fee
- Average Cashback Rate
- Balance Transfer Fee
- Foreign Transaction Fee
- Is there a limit to cash back rewards? No limit in place
- Can I get car rental insurance with Citi Double Cash? Yes, it offers rental insurance for cars if you pay for the full cost with this credit card and you decline the rental company’s insurance.
- What are the income requirements? No out and out income requirements and normally you will not have to provide proof of income.
- Does cash back rewards expire? They don’t expire once you keep your account open.
- Does card Citi Double Cash Credit Card offer pre approval? Yes, pre-approval is a possibility.
- What is the initial credit limit? It will normally be at least $500.
- How do I redeem cash back? You will be able to redeem the cashback points through direct deposit, check, or as a statement credit. You can also use them in other ways, such as spending on gift cards, Amazon.com, and on travel.
- What purchases don't earn cash back? All purchases earn cashback
- Should You Move to Citi Double Cash Card? If you like predictability and want an incentive to meet your payment commitments.
- How to maximize rewards on Citi Double Cash ? Make sure that you make your minimum due payments.
- Top Reasons NOT to get the Citi Double Cash? If you want a higher cashback rate you may need to look for another card.
Citi Strata Premier℠ Credit Card
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With the Citi Strata Premier card, you'll earn unlimited 10X per dollar on hotel, car rentals and attractions booked through CitiTravel.com, 3X points on restaurant, supermarket, gas station, and air travel and other hotels purchases, and 1X points per dollar on all other purchases. The points can be redeemed through the Citibank Thankyou Network, which allows for combining points. They also can be used for things other than traveling, such as merchandise and gift cards.
As a sign-up bonus, you'll get 75,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards on thankyou.com. It also has travel insurance that covers canceled or delayed flights and baggage delay insurance, and it doesn't have a foreign transaction fee. These features help give you peace of mind while traveling at home and abroad.
However, the card has an annual fee of $95 – so make sure the benefits you get to cover the card fee.
- Rewards Plan: 10X per dollar on hotel, car rentals and attractions booked through CitiTravel.com, 3X points on restaurant, supermarket, gas station, and air travel and other hotels purchases, and 1X points per dollar on all other purchases
- APR: 21.24% – 29.24% (Variable)
- Annual fee: $95
- Balance Transfer Fee: $5 or 3%
- Foreign Transaction Fee: $0
- Sign Up bonus: 75,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards on thankyou.com
- 0% APR Introductory Rate period: None
- Sign-Up Bonus
- No Foreign Transaction Fee
- Thank you Points + No Limit
- Protection & Free Credit Score
- $95 Annual Fee
- No Intro 0% APR
- Balance Transfer Fee
- Complicated Rewards Structure and Redemption
Costco Anywhere Visa® Card by Citi
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This card is an amazing choice for regular Costco shoppers who want to earn a highly competitive cashback rewards, and one of the best shopping cards available. Costco Anywhere Card does not charge any fee on foreign transactions and does not charge any annual fee. The card offers 4% cash back on on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter, 3% cash back on restaurants and most travel purchases, 2% cash back at Costco and Costco.com, 1% cash back on all other purchases.
To enjoy all these benefits, all you need to do is pay your annual Costco membership fee to maintain your card account. Some of the limitations attached to this card usage include; limited cashback redemption option and a cap on gas rewards.
- Rewards Plan: 4% cash back on on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter, 3% cash back on restaurants and most travel purchases, 2% cash back at Costco and Costco.com, 1% cash back on all other purchases
- APR: 19.99% – 27.99% (Variable)
- Annual fee: $0 ($60 Costco membership fee required)
- Balance Transfer Fee: 3% or 5$
- Foreign Transaction Fee: $0
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