Best Citi Credit Cards of April 2021

Here's where to find the best Citi credit cards.

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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 of April 2021

Best Overall, Best With No Annual Fee : Citi Rewards+

Our Rating Among Citi Cards
4.8
Citi Rewards+℠
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 Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
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:
  • Pros & Cons
  • Highlights:
Why We Chose This Card:

This is our favorite Citi card for several reasons. We love how it rewards everyday purchases. You get 2 points per $1 spent on your first $6,000 worth of groceries and gas and the card rounds up the points you earn 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 in your account. New cardholders will enjoy a competitive 0% purchase APR offer, which gives you 15 months to finance a large purchase without interest. 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.

Read the full review of Citi Rewards+

Best for Cash-Back Rewards : Citi Double Cash Card

Our Rating Among Citi Cards
4.8
Citi® Double Cash Card
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
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:
  • Pros & Cons
  • Highlights:
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. You’ll earn 1% back when you make a purchase and another 1% when you pay off the purchase. There are no spending 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.

Read the full review of Citi Double Cash Card

Best for Balance Transfers : Citi Simplicity

Our Rating Among Citi Cards
4.5
Citi Simplicity®
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
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:
  • Pros & Cons
  • Highlights:
Why We Chose This Card:

It’s tough to find a pair of 0% APR offers longer than what this card offers right now, even when you consider cards not issued by Citi. You’ll get 18 months under a 0% interest rate for both purchases and balance transfers. That’s a full year-and-a-half to pay off a large purchase or two, or save money on debt transferred from a card with a higher APR. Like the best low-interest cards, this card doesn’t have many other features (or offer rewards), but if you see it as a cost-saving tool, it’s a great pick. 

Pros & Cons
Pros
  • No annual fee

  • Offers 18 months to pay off balance transfers at 0% APR

  • No fees or penalty APR for late payments

Cons
  • Ongoing APR may be quite high compared to the competition

  • Foreign transaction fee makes using the card abroad more costly

Highlights:
  • No late fees.
  • No penalty rate.
  • No annual fee.
  • Plus, get a low intro APR for 18 months on balance transfers and purchases.

Read the full review of Citi Simplicity

Best for Travel, Best Sign-Up Bonus : Citi Premier

Our Rating Among Citi Cards
3.8
Citi Premier®
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 Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
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:
  • Pros & Cons
  • Highlights:
Why We Chose This Card:

Frequent travelers will quickly rack up rewards, thanks to a broad triple-points travel purchase category. On top of that, if you spend $4,000 on this card within the first three months, you'll get 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). 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.
  • 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.

Read the full review of Citi Premier

Best for Bad Credit : Citi Secured Mastercard

Our Rating Among Citi Cards
3.1
Citi® Secured Mastercard®
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
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:
  • Pros & Cons
  • Highlights:
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.

Read the full review of Citi Secured Mastercard

Compare Providers

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

FAQs

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. 

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.