Best Citi Credit Cards of January 2021

The best Citi credit cards are probably already on your short list if you’re seeking a card with a generous introductory interest rate offer, cash back, or airline rewards. Citi offers a wide range of credit cards, from a secured card to a premium airline card, plus all sorts of points and cash back rewards in between.

Best Citi Credit Cards

Citi Rewards+
Best Overall, Best With No Annual Fee, Best for Financing Large Purchases
Citi Double Cash Card
Best for Cash-Back Rewards
Citi Secured Mastercard
Best for Bad Credit
Citi Diamond Preferred Credit Card
Best for Balance Transfers
Citi Premier
Best for Travel, Best Sign-Up Bonus

For more details on how we evaluate credit cards for this list, see our methodology.

Citi Rewards+℠

Best Overall

Best With No Annual Fee

Best for Financing Large Purchases

Our Rating Among Citi Cards

4.4

Full Review Next Steps

Current Offer

Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening.

Recommended Credit Score

350 579

580 669

670 739

740 799

800 850

Good - Excellent

Regular APR (%)	13.49% - 23.49% variable
Annual Fee	$0
Rewards Earning Rate	Earn 2X ThankYou Points at supermarkets and gas stations for the first $6,000 per year and 1X points on all other purchases.
INTRO PURCHASE APR	0% for 15 Months
Foreign transaction fee (%)	3%

WHY WE CHOSE THIS CARD

This is our favorite Citi card for several reasons. For starters, we love how it rewards everyday purchases. Not only do you get 2 points per $1 spent on your first $6,000 worth of groceries and gas, but this card rounds up the points earned on each purchase, which is a one-of-a-kind deal. You also get a portion of your rewards back on the first 100,000 points you redeem each year, so you’ll almost always have points to play with. New cardholders will enjoy a competitive 0% purchase APR offer, which gives you 15 months to finance a large purchase, interest-free. To top that all off, there’s no annual fee.
PROS & CONS
Pros
- Automatic point-earning boost on all purchases
- Competitive introductory 0% APR offers
- For the first 100,000 points you redeem, you’ll get 10% of them back
- No annual fee
Cons
- Points-earning rate is low without extra rewards features
- Lots of rewards program rules to learn
HIGHLIGHTS
- The only card that automatically rounds up to the nearest 10 points on every purchase.
- 2X at Supermarkets & Gas Stations for the first $6,000 per year and 1 point per $1 spent thereafter.
- 10% Points Back for the first 100,000 ThankYou Points you redeem per year.
- Shop with Points at Amazon.com or BestBuy.com or redeem for other great rewards.

Citi® Double Cash Card

Best for Cash-Back Rewards

Our Rating Among Citi Cards

4.6

Full Review Next Steps

Recommended Credit Score

350 579

580 669

670 739

740 799

800 850

Good - Excellent

Regular APR (%)	13.99% - 23.99% variable
Annual Fee	$0
Rewards Earning Rate	Earn 2% unlimited cash back on every purchase you make: 1% when you buy plus 1% as you pay.
Foreign transaction fee (%)	3%

WHY WE CHOSE THIS CARD

This is a simple, easy-to-use card, and the cash-back earning rate is the highest among similar cards on the market right now. There are no purchase categories to track, no limits on your rewards-earning potential, and no annual fee to worry about. For those reasons, we think it’s the best cash-back card you can get from Citi.
PROS & CONS
Pros
- High rewards earning rate among flat-rate cash-back cards
- Generous introductory 0% APR balance transfer deal
- No annual fee
Cons
- Must pay off purchases to earn full 2% cash back
- Few perks such as extended warranties
HIGHLIGHTS
- Earn cash back twice. Earn an unlimited 1% cash back when you buy, with an additional 1% when you pay for those purchases.
- No spending categories, rewards caps, or annual fee.
- Enjoy a 0% introductory APR for 18 months on balance transfers. After that, the variable APR will be 13.99% - 23.99% based on your creditworthiness.
- Balance transfers must be completed within 4 months of account opening, and a balance transfer fee of $5 or 3% of each transfer (whichever is greater) will apply.

Citi® Secured Mastercard®

Best for Bad Credit

Our Rating Among Citi Cards

5.0

Full Review Next Steps

Recommended Credit Score

350 579

580 669

670 739

740 799

800 850

Poor - Excellent

Regular APR (%)	22.49% variable
Annual Fee	$0
Minimum Deposit to Activate	$200
Allows upgrade to unsecured card	Yes
Pay deposit in installments	No

WHY WE CHOSE THIS CARD

The best part about this card? No annual fee. It requires a standard minimum deposit and will report account information to the credit bureaus, so you can build a positive credit history with smart use. Unlike a few other credit cards, you’ll need a bank account to apply for this one. You can’t earn rewards with it either, but if you use it as part of a strategy to improve your credit score, you can apply for a better rewards card later.
PROS & CONS
Pros
- No annual fee, which is uncommon among secured cards
- Relaxed credit score requirements (as with all secured cards)
- Account and repayment history is reported to all three credit bureaus
Cons
- Requires a bank account to apply online
- No rewards, unlike a few other secured cards
HIGHLIGHTS
- Build a credit history for your financial future with no annual fee.
- Secure your credit line with a security deposit between $200 - $2,500.
- Citi Secured Mastercard is an option for customers with little or no credit history and can help you build your credit when used responsibly.
- Unlike a debit card, Citi Secured Mastercard is a real credit card that helps build your credit history with monthly reporting to all 3 major credit bureaus.

Citi® Diamond Preferred® Credit Card

Best for Balance Transfers

Our Rating Among Citi Cards

5.0

Full Review Next Steps

Recommended Credit Score

350 579

580 669

670 739

740 799

800 850

Good - Excellent

Regular APR (%)	14.74% - 24.74% variable
Annual Fee	$0
Balance Transfer Fee	Either $5 or 3% of the amount of each transfer, whichever is greater.
INTRO BALANCE TRANSFER APR	0% for 18 Months

WHY WE CHOSE THIS CARD

This card schools the competition with one of the longest introductory 0% balance transfer APR periods available: 18 months. That’s a very generous offer. If you have high-interest debt on another card that you want (or need) to get rid of once and for all, use this card to spread out the repayment of a no-interest balance transfer and pocket what you’ll save on interest costs. Just note that you’ll pay a standard 3% ($5 minimum) fee for each balance transfer you make.
PROS & CONS
Pros
- Outstanding (and one of the best) 0% APR balance transfer deals available
- Decent 0% purchase APR offer
- No annual fee
Cons
- No grace period on purchases made during 0% APR balance transfer offer period
- Balance transfer fee reduces savings on interest costs
HIGHLIGHTS
- 0% intro APR on balance transfers for 18 months from date of first transfer.
- 0% intro APR on purchaes for 18 months from date of account opening.
- Get free access to your FICO Score, so you can monitor your credit score as often as you'd like.
- Shop with confidence knowing that you have dependable purchase protection, including $0 Liability on Unauthorized Purchases and Citi Identity Theft Solutions.

Citi Premier®

Best for Travel

Best Sign-Up Bonus

Our Rating Among Citi Cards

4.2

Full Review Next Steps

Current Offer

Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening.

Recommended Credit Score

350 579

580 669

670 739

740 799

800 850

Excellent

Regular APR (%)	15.99% - 23.99% variable
Annual Fee	$95
Rewards Earning Rate	Earn 3x points on purchases at restaurants, supermarkets, gas stations, airlines, and hotels. Earn an annual hotel savings benefit.
Foreign transaction fee (%)	0%

WHY WE CHOSE THIS CARD

Frequent travelers will quickly rack up rewards, thanks to a broad triple-points travel purchase category. On top of a hefty sign-up bonus of 60,000 ThankYou points (which are worth up to $732, according to The Balance's calculations of their average value) by spending $4,000 on this card within the first three months. On an ongoing basis, you’ll earn 3 points per $1 spent on travel (including gas, restaurant, and supermarket purchases), and 1 point per $1 spent on everything else. You can use the points for a variety of rewards, though travel is your best bet. And, like all good travel cards, this one doesn’t charge a foreign transaction fee.
PROS & CONS
Pros
- Generous rewards rate on airfare, hotel stays, and gas
- Many ways to redeem rewards, plus the option to transfer points to participating frequent flyer programs
Cons
- No interest-free promotions for new cardholders
- Very few airline transfer partners are based in the U.S.
HIGHLIGHTS
- See where 60,000 points can take you after you spend $4,000 in the first 3 months of account opening. Redeemable for $600 in gift cards at thankyou.com.
- Starting on 8/23/20, you will enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, when booked through thankyou.com. Benefit will be available to you once per calendar year.
- Easy points transfer to certain airline loyalty programs, including TrueBlue, Virgin Atlantic Flying Club, and Singapore Airlines KrisFlyer.

What Is Citi?

Citi (or technically, Citibank) is the fourth largest commercial bank in the U.S. It also issues more than a dozen credit cards, some under the Citi brand and others through co-branded partnerships with merchants like Costco and American Airlines.

Citi is known for its cash back and long promotional APR card offers, but the bank also issues several travel rewards and business cards. You’ll need at least good credit to qualify for most Citi credit cards. However, if you’re new to credit, or rebuilding it, Citi does have secured and student credit card options.

Note

A good FICO credit score is defined as 670 or above.

If you want a Citi credit card in your wallet, here’s a quick overview of the bank’s cards we think are best:

Best Citi Credit Cards
Credit Card	Category	Annual Fee
Citi Rewards+	Best Overall	$0
Citi Double Cash Card	Best for Cash-Back Rewards	$0
Citi Secured Mastercard	Best for Bad Credit	$0
Citi Diamond Preferred Credit Card	Best for Balance Transfers	$0
Citi Premier	Best for Travel	$95
Citi Rewards+	Best With No Annual Fee	$0
Citi Rewards+	Best for Financing Large Purchases	$0
Citi Premier	Best Sign-Up Bonus	$95

How Do Citi ThankYou Rewards Work?

Citi ThankYou Rewards is the bank-branded program for several Citi credit cards: Citi Rewards+ Card, Citi Premier Card, and the Citi Prestige Card.

When you use one of those cards, you’ll earn a set number of points per dollar spent. The earning rate will depend on the card, but you’ll earn at least 1 point per dollar spent, and more on spending in categories that may include groceries, gas, or travel purchases.

Citi ThankYou points are typically worth about 1.22 cents each, based on average valuations from The Balance, and can be redeemed for:

Travel purchases like flights, rental car, and hotel reservations
Gift cards
Cash back
Shop or pay with points at participating online retailers, like Amazon and Best Buy
Online bill payments
Charity donations

ThankYou points can be transferred to partner loyalty programs, such as Jet Blue’s TrueBlue program, and the Virgin Atlantic Flying Club.

How Good Is Citi Customer Service?

Citibank customer service is just OK, according to J.D. Power’s 2020 U.S. Credit Card Satisfaction Study. The bank ranked sixth among 11 major card issuers, scoring 801 on a 1,000-point scale, below the industry average score of 810.

However, as a Citi cardholder, you will have some useful service benefits, such as free access to your FICO score online and via the Citi mobile app, a 24/7 customer service phone line, and a secure, online portal where you can chat with a customer service representative.

Methodology

We collect data on hundreds of cards and score more than 55 features that affect your finances. We do this because it's our mission to give you unbiased, comprehensive credit card reviews.

Our reviews are always impartial: No one can influence which cards we review, the way we present them to you, or the ratings they receive.

About This List

The Balance team created this best card list using the same evaluation process used to score our best overall card rankings, but focused solely on cards issued by Citi (though we excluded co-branded airline cards from this round-up). We re-evaluate this list on a monthly basis, or when there are major changes to Citi's credit card offerings.

What We Score

We consider low APRs, big sign-up offers, valuable rewards, and minimal fees some of the best card qualities, and our scoring model reflects this. Our full methodology includes further detail about how we evaluate credit card attributes.

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .