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Annual fee<\/p>\n
$0<\/p>\n<\/li>\n
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Welcome offer<\/p>\n
Earn $200 in cash back after spending $1,500 on purchases in the first 6 months (bonus offer will be fulfilled as 20,000 ThankYou\u00ae points, which can be redeemed for $200 cash back)<\/p>\n<\/li>\n
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Introductory APR<\/p>\n
0% intro APR on balance transfers for the first 18 months<\/p>\n<\/li>\n
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Purchase APR<\/p>\n
See issuer site for current APR<\/p>\n<\/li>\n<\/ul>\n
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Rewards rate<\/p>\n
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- 5% cash back on purchases in your top eligible spend category each billing cycle (up to the first $500 spent, 1% cash back after that)<\/li>\n
- 4% cash back on hotels, car rentals, and attractions booked on Citi Travel\u2120<\/li>\n
- 1% unlimited cash back on all other purchases<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n
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Benefits<\/p>\n
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- No annual fee<\/li>\n
- As your spending changes, your rewards adjust automatically when you spend in any of the eligible categories each billing cycle<\/li>\n<\/ul>\n<\/li>\n<\/ul><\/div>\n
Why we like it: <\/strong>The Citi Custom Cash was the highest-ranking Citi card in multiple categories, including cash back, 0% APR, and groceries. As a , it\u2019s a formidable force on multiple fronts, especially if you want to earn high rewards rates on everyday purchases.<\/p>\n
<\/em><\/strong><\/p>\n
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Annual fee<\/p>\n
$95<\/p>\n<\/li>\n
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Welcome offer<\/p>\n
Earn 60,000 bonus points after spending $4,000 in the first 3 months (redeemable for $600 in gift cards or travel rewards on thankyou.com)<\/p>\n<\/li>\n
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Purchase APR<\/p>\n
See issuer site for current APR<\/p>\n<\/li>\n<\/ul>\n
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Rewards rate<\/p>\n
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- 10x points on hotels, car rentals, and attractions (booked through CitiTravel.com)<\/li>\n
- 3x points on air travel and other hotel purchases, restaurants, supermarkets, gas stations, and EV charging stations<\/li>\n
- 1x points on all other purchases<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n
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Benefits<\/p>\n
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- Enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com (once per calendar year; benefit applied instantly at the time of booking)<\/li>\n
- No foreign transaction fees<\/li>\n
- Transfer ThankYou\u00ae Points to participating airline loyalty programs \u2014 including TrueBlue\u00ae, Virgin Atlantic Flying Club, and Singapore Airlines KrisFlyer \u2014 with no fees (minimum transfer of 1,000 points)<\/li>\n<\/ul>\n<\/li>\n<\/ul><\/div>\n
Why we like it: <\/strong>The Citi Strata Premier has a low annual fee and an excellent rewards rate unmatched by many similar . This is especially true with its 3x return at supermarkets and gas stations, making the Strata Premier an exceptional choice for earning travel rewards on common expenses.<\/p>\n
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Annual fee<\/p>\n
$0<\/p>\n<\/li>\n
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Welcome offer<\/p>\n
Earn $200 cash back after spending $1,500 on purchases in the first 6 months (bonus offer will be fulfilled as 20,000 ThankYou\u00ae Points, which can be redeemed for $200 cash back)<\/p>\n<\/li>\n
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Introductory APR<\/p>\n
0% intro APR on balance transfers for the first 18 months (variable APR applies after that)<\/p>\n<\/li>\n
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Purchase APR<\/p>\n
See issuer site for current APR<\/p>\n<\/li>\n<\/ul>\n
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Rewards rate<\/p>\n
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- 5% cash back on hotel, car rentals, and attractions booked on the Citi Travel\u2120<\/li>\n
- 2% cash back on every purchase with unlimited 1% cash back when you buy<\/li>\n
- Earn an additional 1% as you pay for your purchases (to earn cash back, pay at least the minimum due on time)<\/li>\n<\/ul>\n<\/li>\n<\/ul><\/div>\n
Why we like it: <\/strong>The Citi Double Cash provides a 0% intro APR period on balance transfers that\u2019s well above the average length, giving you plenty of time to pay down existing debt without worrying about accruing interest. In addition, this is a top-tier cash-back card with its 2% cash-back rate on all eligible purchases.<\/p>\n
<\/em><\/strong><\/p>\n
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Annual fee<\/p>\n
$0 for the first year, then $99<\/p>\n<\/li>\n
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Welcome offer<\/p>\n
Earn 80,000 American Airlines AAdvantage\u00ae bonus miles after spending $3,500 in the first 4 months<\/p>\n<\/li>\n
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Purchase APR<\/p>\n
See issuer site for current APR<\/p>\n<\/li>\n<\/ul>\n
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Rewards rate<\/p>\n
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- 2x miles at restaurants, gas stations, and on eligible American Airlines purchases<\/li>\n
- 1x on all other purchases<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n
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Benefits<\/p>\n
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- First checked bag free on domestic American Airlines itineraries for you and up to four companions on the same reservation<\/li>\n
- Preferred boarding on American Airlines flights<\/li>\n
- No foreign transaction fees on purchases you make abroad<\/li>\n<\/ul>\n<\/li>\n<\/ul><\/div>\n
Why we like it: <\/strong>The Citi \/ AAdvantage Platinum Select World Elite Mastercard is an affordable and useful card for frequent American Airlines travelers. You can get plenty of value from its first checked bag free benefit, where you and up to four companions can get a free checked bag on domestic American Airlines flights. You also earn bonus miles on American Airlines purchases.<\/p>\n
<\/em><\/strong><\/p>\n
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Annual fee<\/p>\n
$0 for the first year, then $99<\/p>\n<\/li>\n
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Welcome offer<\/p>\n
Earn 65,000 American Airlines AAdvantage\u00ae bonus miles after spending $4,000 in the first 4 months<\/p>\n<\/li>\n
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Purchase APR<\/p>\n
See issuer site for current APR<\/p>\n<\/li>\n<\/ul>\n
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Rewards rate<\/p>\n
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- 2x AAdvantage miles for every $1 spent on eligible American Airlines purchases<\/li>\n
- 2x AAdvantage miles for every $1 spent at gas stations and car rental merchants<\/li>\n
- 2x AAdvantage miles for every $1 spent at telecommunications merchants and cable and satellite providers<\/li>\n
- 1x AAdvantage miles on all other purchases<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n
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Benefits<\/p>\n
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- First checked bag is free on domestic American Airlines itineraries for you and up to 4 travel companions on the same reservation (savings of up to $400 per round trip)<\/li>\n
- Enjoy 25% savings on inflight Wi-Fi, food and beverage purchases on American Airlines flights when you use your credit card<\/li>\n
- Earn an American Airlines Companion Certificate for domestic travel after you spend $30,000 or more in purchases each cardmembership year and cardmembership is renewed (redeeming the certificate costs $99 for the ticketing fee plus taxes and fees)<\/li>\n<\/ul>\n<\/li>\n<\/ul><\/div>\n
Why we like it: <\/strong>The Citi \/ AAdvantage Business World Elite Mastercard makes sense for small business owners who regularly fly with American Airlines. You get your first checked bag for free on domestic American Airlines itineraries, and you earn one Loyalty Point for every $1 spent on eligible business purchases, helping you earn and maintain American elite status.<\/p>\n
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Benefits<\/p>\n
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- No annual fee<\/li>\n
- $0 liability on unauthorized charges<\/li>\n
- $200 minimum security deposit (up to $2,500)<\/li>\n<\/ul>\n<\/li>\n<\/ul><\/div>\n
Why we like it: <\/strong>The Citi Secured Mastercard can play a pivotal role in helping you establish or rebuild your credit history. It works the same as a traditional credit card, letting you build credit as you responsibly use it, but you have to put down a security deposit that acts as your credit limit. If you can\u2019t qualify for better cards because of your creditworthiness, a is a good place to start.<\/p>\n
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Citi\u00ae Diamond Preferred\u00ae Card: <\/strong>The is a great option for 0% introductory APR offers on purchases and balance transfers. Just note that it doesn\u2019t earn any rewards.<\/p>\n<\/li>\n
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Citi Simplicity\u00ae Credit Card: <\/strong>The Citi Simplicity Card is similar to the Citi Diamond Preferred and makes sense if you want to take advantage of a 0% intro APR offer on purchases or balance transfers.<\/p>\n<\/li>\n
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Citi\u00ae \/ AAdvantage\u00ae Executive World Elite Mastercard\u00ae Credit Card: <\/strong>The Citi \/ AAdvantage Executive World Elite Mastercard Credit Card is a premium travel card that provides some of the best benefits for frequent American Airlines fliers. This includes a complimentary Admirals Club membership for accessing nearly 100 Admirals Club and partner lounges worldwide.<\/p>\n<\/li>\n
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Costco Anywhere Visa\u00ae Card by Citi: <\/strong>The is a popular pick for Costco members because of its increased earning rate on Costco purchases, including gas.<\/p>\n<\/li>\n
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Citi Rewards+\u00ae Card: <\/strong>The is no longer available to new applicants, and existing cardholders will be moved to the new Citi Strata Card.<\/p>\n<\/li>\n<\/ul>\n
A can give you a huge rewards boost as a new cardholder. You typically have to spend a certain amount on your card during a specified timeframe to earn a welcome offer, but this is often managed by putting everyday expenses, such as gas and groceries, on your card.<\/p>\n
All earn points, miles, or cash back on eligible purchases. However, earning rates can vary between different cards. For example, one card might earn 2% cash back on every purchase, while another earns up to 5% cash back in specific spend categories.<\/p>\n
It\u2019s worth comparing rewards rates to see which one best aligns with your spending habits and gives you the best opportunity to maximize your earning potential.<\/p>\n
Some credit cards have annual fees, while others don\u2019t. In general, cards with annual fees tend to have more benefits, and you would need to use those benefits to help offset the cost of card membership each year. If you want to keep it simple, you can apply for cards with no annual fees.<\/p>\n
You only need to worry about foreign transaction fees if you plan to travel abroad or make purchases from a foreign merchant. For international travelers, are a must.<\/p>\n
The main difference between cash-back cards and travel cards is how you can redeem your rewards. Cash-back cards typically provide redemption options for statement credits and gift cards. In some cases, you might also be able to receive deposits directly into eligible bank accounts.<\/p>\n
Travel cards may offer some of the same redemption options, but they\u2019ll also provide ways to use rewards on travel, such as flights, hotel stays, and car rentals. Depending on the card, you might be able to transfer your points or miles to a loyalty program of a travel partner or redeem rewards through a travel portal, like Citi Travel.<\/p>\n
A 0% APR or could help you cover a large purchase or pay down existing debt without any interest charges \u2014 at least during the promotional period.<\/p>\n
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Travel rewards: <\/strong>These cards, like the Citi Strata Premier and co-branded American Airlines AAdvantage cards, focus on earning and redeeming travel rewards.<\/p>\n<\/li>\n
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Cash back: <\/strong>These cards, like the Citi Custom Cash and Citi Double Cash, focus on earning and redeeming cash-back rewards.<\/p>\n<\/li>\n
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Balance transfer: <\/strong>You can take advantage of 0% intro APR offers on balance transfers with these cards. Note that balance transfers typically have balance transfer fees.<\/p>\n<\/li>\n
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Secured: <\/strong>These cards are designed to help you build or rebuild your credit without needing good credit to qualify.<\/p>\n<\/li>\n
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Business: <\/strong>These cards are designed for business owners who want to earn rewards on their business purchases.<\/p>\n<\/li>\n<\/ul>\n
Citi credit cards make sense if you:<\/p>\n
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Already have a relationship with Citibank<\/p>\n<\/li>\n
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Want to take advantage of a 0% APR or balance transfer offer<\/p>\n<\/li>\n
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Want to earn AAdvantage miles with a co-branded card<\/p>\n<\/li>\n
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Want a low annual fee<\/p>\n<\/li>\n
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Aren\u2019t as interested in premium travel perks<\/p>\n<\/li>\n<\/ul>\n
Citi credit cards generally have low or no annual fees, and there\u2019s a good balance of cards in different categories, such as cash-back cards, travel cards, and 0% APR cards. Citi doesn\u2019t currently have the best card lineup to fully compete with the likes of other credit card issuers, such as Chase, American Express, and Capital One, but there are many quality options available, depending on your goals.<\/p>\n
Citibank opened for business as the City Bank of New York in 1812. Over 200 years later, the company has grown globally, serving 180 countries with various financial products and services, including credit cards, bank accounts, loans, and wealth management tools.<\/p>\n
As of March 31, 2025, the Federal Reserve listed Citibank as the third-largest U.S. commercial bank by consolidated assets.<\/p>\n
The Citi Custom Cash is one of the best Citi credit cards available because it has no annual fee, provides a high rewards rate on everyday purchases, and offers 0% intro APR offers on purchases and balance transfers.<\/p>\n
You can call the number on the back of your Citi credit card or 800-950-5114.<\/p>\n
You can apply for a Citi credit card by visiting the Citi website or a Citi branch with credit card services.<\/p>\n
The Citi Strata Premier Card offers these benefits:<\/p>\n
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Elevated rewards rate in everyday categories, such as restaurants, supermarkets, gas stations, and EV charging stations<\/p>\n<\/li>\n
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$100 annual hotel benefit (receive $100 off a single hotel stay of at least $500)<\/p>\n<\/li>\n
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Option to transfer Citi ThankYou Points to travel partners, including Choice Privileges, Emirates Skywards, and Virgin Atlantic Flying Club<\/p>\n<\/li>\n
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No foreign transaction fees<\/p>\n<\/li>\n<\/ul>\n
We used our existing credit card rubrics to see how Citi credit cards rank in various categories, including cash back, travel, and balance transfer. We found the highest-ranking Citi cards in the most popular categories to compile our list of the best Citi cards.<\/p>\n
\nEditorial Disclosure: The information in this article has not been reviewed or approved by any advertiser. All opinions belong solely to the Yahoo Finance and are not those of any other entity. The details on financial products, including card rates and fees, are accurate as of the publish date. All products or services are presented without warranty. Check the bank\u2019s website for the most current information. This site doesn’t include all currently available offers. Credit score alone does not guarantee or imply approval for any financial product.<\/em><\/p>\n<\/p><\/div>\n
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