Citi Simplicity offers one of the longest promotional interest rates of any credit card on the market. Enjoy 0% interest on balance transfers for 21 months from the date of the transfer as long as you complete the transfer within the first four months of opening your account. On top of the balance transfer rate, enjoy 0% interest on purchases for 12 months from the date you open your account.
The Citi Simplicity comes with a few other perks, like the ability to choose your own payment due date, automatic account alerts, and the ability to use your card with Apple Pay.
Important Pricing: After the promotional rate expires, the regular APR is 16.24 to 26.24%. There’s no annual fee.
The Citi Premier credit card pays 50,000 bonus points after you spend $4,000 on purchases in the first three months of opening your account. Your points are worth 25% more when you redeem for airfare through the ThankYou Travel Center, which makes the bonus worth 62,500 points. Points can be redeemed for $625 in airfare or $500 in gift cards.
Ongoing, you’ll earn three ThankYou Points for every dollar spent on travel including gas stations; two ThankYou Points for every dollar spent on dining out and entertainment; and one ThankYou Point on all other purchases. There’s no limit to the points you can earn and your points won’t expire.
Important Pricing: The regular APR is 16.74 to 25.74% depending on your creditworthiness. The $95 annual fee is waived in the first year.
The Citi Diamond Preferred card offers a 0% introductory APR for 18 months on purchases and balance transfers. While many credit cards require you to transfer the balance within the first 60 days to qualify for the promotional rate, the Citi Diamond Preferred gives you four months from account opening to make a qualifying balance transfer.
The biggest drawback of the Citi Diamond Preferred is that it doesn’t have a rewards program, so your purchases won’t earn any points. However, this also means you can focus on paying down your balance transfer without being tempted to make purchases and earn rewards.
As a Citi cardholder, you’ll have access to Citi Private Pass, a benefit that gives you access to presale tickets and VIP packages to concerts and other ticketed events. You can also receive automatic account alerts, 24/7 customer service, and you can choose your own payment due date.
Important Pricing: The regular APR after the promotional period ends is 15.24 to 25.24%. There’s no annual fee.
The Citi Double Cash gives you two opportunities to earn up to 2% cash rewards on your credit card. First, you’ll earn 1% on all eligible purchases as you make them. Then, you’ll earn 1% as you repay your balance, whether you pay in full each month or you make payments over a period of time.
Citi Double Cash offers a 0% introductory APR on balance transfers for the first 18 months. Keep in mind that the balance transfer doesn’t earn any rewards on the initial transfer, or as you repay your balance. When you transfer a balance, you’ll be charged interest on your purchases unless you pay your full balance.
Important Pricing: The regular APR for purchases and balance transfers after the promotional period will be 15.74 to 25.24%. There’s no annual fee.
Earn 50,000 bonus miles after spending $5,000 on purchases within the first three months of opening your account. Ongoing, you’ll earn two AAdvantage miles for every dollar you spend on eligible American Airlines purchases and one AAdvantage mile on all other purchases. You’ll also earn 10,000 AAdvantage Elite Qualifying Miles after spending $40,000 on purchases each year.
On top of the rewards you earn, you’ll get Admirals Club membership with access to more than 50 lounge locations worldwide. You can add up to 10 authorized users who also get access to Admirals Club, even when they’re not traveling with you. Receive a statement credit up to $100 every five years as reimbursement for Global Entry or TSA Precheck application fee. Plus you’ll receive 25% saving on American Airlines inflight purchases when you use your credit card.
Important Pricing: The regular APR is 17.99 to 25.99%. There’s a $450 annual fee.
If you need to establish or rebuild your credit history, the Citi Secured Mastercard is a great option. To be approved for the credit card, you’ll have to make a minimum security deposit of $200 and you must not have any bankruptcy history for the past two years. Once your application is approved, your credit limit will be equal to your security deposit. Your deposit is held in a non-interest bearing account for 18 months and will be returned to you as long as you don’t default on your outstanding balance.
Important Pricing: The regular APR is 24.74%. There’s no annual fee.
You can use the Costco Anywhere Visa at Costco and anywhere Visa is accepted to earn rewards on all your purchases. The Costco Anywhere Visa pays 4% cash back on the first $7,000 in eligible gas purchases worldwide each year; 3% on restaurant and eligible travel purchases worldwide; 2% on all other purchases from Costco and Costco.com; and 1% on everything else.
Your cash back rewards accumulate throughout the year and are paid out as an annual reward certificate after your February billing statement closes. You can redeem your rewards at Costco for cash or merchandise.
You can also enjoy Citi benefits like damage and theft purchase protection, extended warranty, trip cancellation and interruption protection, worldwide car rental insurance, and more.
Important Pricing: The regular APR on purchase and balance transfers is 17.49%. There’s no annual fee, but you must have a paid Costco Membership to open the credit card.
With the CitiBusiness / AAdvantage Platinum Select World Mastercard, you’ll earn 70,000 American Airlines AAdvantage bonus miles after spending $4,000 on purchases in the first four months of opening your account.
Ongoing, you’ll earn two miles for every dollar you spend on business purchases and eligible American Airlines purchases, and one point per dollar on everything else. You can add an employee business card to earn additional miles that your business can redeem for travel. There’s no limit on the awards you can earn and rewards don’t expire as long as you earn or use rewards at least once every 18 months.
On top of earning rewards, you’ll receive an American Airlines Companion Certificate when you spend $30,000 or more each year. Get 25% savings on inflight purchases when you use your CitiBusiness AAdvantage Platinum Select World MasterCard, and get your first bag checked for free on domestic American Airlines flights.
Important Pricing: The Purchase APR is 17.99 to 25.99% based on creditworthiness. The annual fee is $95 and is waived for the first 12 months. There’s no foreign transaction fee.
The 8 Best Citi Credit Cards for 2019
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Citi has a variety of credit cards for almost everyone. Whether you’re looking to earn rewards, take advantage of a promotional interest rate, receive great travel benefits, or rebuild your credit, there’s a Citi credit card for you. Read on for our list of the best Citi credit cards based on a variety of needs, and weigh the perks against the costs to decide which would be best for your wallet.