Best Citi Credit Cards of January 2020

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.

Why We Chose This Card

Students can build credit while earning rewards on everyday expenses like gas and groceries with this card. There’s also a seven-month 0% purchase APR deal for new cardholders, which is a reasonable offer for a student card. Open this card and spend $500 in three months to earn 2,500 bonus points, too, which can be redeemed in a number of ways. Much like its non-student card counterpart, this card also offers some fun rewards boosts and extra points on each dollar spent after the purchase total is rounded up to the nearest whole dollar. 

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.

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.

Why We Chose This Card

This card schools the competition with one of the longest introductory 0% balance transfer APR periods available: 21 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 5% ($5 minimum) fee for each balance transfer you make.

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 $750 in airfare, according to Citi) 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), 2 points per $1 spent at restaurants and on entertainment, and then 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.