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Citi, an advertising partner with The Ascent, offers a wide selection of quality credit cards. Whether you're looking for cash back, flexible travel points, or a way to avoid interest and other credit card fees, there's a Citi card that fits the bill.
Great for: Cash rewards
Fair to Excellent (580-850)
Intro APR N/A
Purchases: N/A
Balance Transfers: 0%, 18 months
Regular APR
19.24% - 29.24% (Variable)
Rewards 2% cash back: 1% when you buy plus 1% as you pay
Up to 2% cash back
Annual Fee
$0
Welcome Offer Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
20,000 ThankYou® Points
This card combines a top-notch balance transfer offer for 18 months with best-in-class unlimited 2% cash back on purchases. There's no introductory APR for purchases, so you'll need to pay those off in full every month if you want to avoid interest charges. Read Full Review
Great for: Low interest
Good/Excellent (670-850)
Intro APR
Purchases: 0%, 12 months
Balance Transfers: 0%, 21 months
Regular APR
18.24% - 28.99% (Variable)
Rewards
N/A
Annual Fee
$0
Welcome Offer
N/A
This card sets itself apart with an incredible 21-month 0% intro APR offer on qualifying balance transfers and no annual fee, making it a top pick for anyone looking for ample time to pay off credit card debt. Plus, you can choose from any available payment date. That way, you can set up automatic payments that are aligned with your paycheck. Read Full Review
Great for: Customizing your cash back
Fair to Excellent (580-850)
Intro APR
Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months
Regular APR
19.24% - 29.24% (Variable)
Rewards 5% cash back in your top eligible spend category each billing cycle (up to the first $500 spent), 1% cash back on other purchases. Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
1% - 5% cash back
Annual Fee
$0
Welcome Offer Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
20,000 ThankYou® Points
We love this card’s easy-to-use yet lucrative cash back program. Each billing cycle, cardholders earn 5% cash back in their top spend category (up to $500 spent in eligible categories). Eligible categories include grocery stores, restaurants, gas stations, select travel and more. The card automatically adjusts to your spending habits, which makes it easy to maximize your rewards. Read Full Review
Great for: Balance transfers
Good/Excellent (670-850)
Intro APR
Purchases: 0%, 12 months
Balance Transfers: 0%, 21 months
Regular APR
19.24% - 29.99% (Variable)
Rewards
N/A
Annual Fee
$0
Welcome Offer There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Lower intro balance transfer fee
This is one of our favorite cards for balance transfers. It has 0% intro APR for 21 months on balance transfers and a discounted balance transfer fee for the first four months. That combo makes it one of the most generous balance transfer offers we’ve seen. Plus, you can choose from any available payment date. That way, you can set up automatic payments that are aligned with your paycheck. Read Full Review
Great for: Travel, restaurants, and groceries
Good/Excellent (670-850)
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
21.24% - 29.24% (Variable)
Rewards 10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com. Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases. Earn 3 Points per $1 spent on Restaurants. Earn 3 Points per $1 spent on Supermarkets. Earn 3 Points per $1 spent on Gas and EV Charging Stations. Earn 1 Point per $1 spent on All Other Purchases.
1x - 10x points
Annual Fee
$95
Welcome Offer Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com.
70,000 ThankYou® Points
Citi Strata Premier offers 3X points on restaurants, supermarkets, at gas stations, for air travel, and other hotel purchases – a unique combination of bonus categories for a low annual fee card. It comes with a welcome bonus that's redeemable for $700 in gift cards or travel rewards, no foreign transaction fee, and access to Citi's ThankYou® Rewards program, a standout in the industry. Read Full Review
Great for: Rounding up points
Good/Excellent (670-850)
Intro APR
Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months
Regular APR
18.74% - 28.74% (Variable)
Rewards 2X ThankYou® Points at supermarkets and gas stations for the first $6,000 per year, 1X ThankYou® points on other purchases
1x - 2x points
Annual Fee
$0
Welcome Offer Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com. Special offer: earn 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
20,000 points
A well-rounded set of perks makes this card a solid choice, but the rewards program is lacking compared to the competition. Read Full Review
Costco Anywhere Visa® Card by Citi
Great for: Costco members
Excellent (740-850)
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
20.49% (Variable)
Rewards 4% back on gas and EV charging ($7,000 annual spending cap), 3% back on restaurants and travel, 2% back on Costco purchases, 1% back on other purchases
1% - 4% back
Annual Fee
$0 for Costco members
Welcome Offer
N/A
Hard to beat for Costco shoppers with the lucrative rewards program and no annual fee for members. The cash back rates on gas and EV charging are among the highest you'll find. Read Full Review
Costco Anywhere Visa® Business Card by Citi
Great for: Costco members
Excellent (740-850)
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
20.49% (Variable)
Rewards 4% back on gas and EV charging ($7,000 annual spending cap), 3% back on restaurants and travel, 2% back on Costco purchases, 1% back on other purchases
1% - 4% back
Annual Fee
$0 for Costco members
Welcome Offer
N/A
The gas and EV charging cash back, alone, makes this a winner. The premium cash back for restaurants, travel, and Costco purchases make it hard to beat, even more so for Costco members. Read Full Review
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
Great for: American Airlines travel
Good/Excellent (670-850)
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
21.24% - 29.99% (Variable)
Rewards 2 AAdvantage® miles for every $1 spent at gas stations, restaurants, and on eligible American Airlines purchases, 1 mile per dollar on other purchases
1x - 2x miles
Annual Fee
$99, waived for first 12 months
Welcome Offer Earn 75,000 American Airlines AAdvantage® bonus miles after spending $3,500 in purchases within the first 4 months of account opening.
75,000 miles
The rewards program makes this a compelling card to carry with OK earning opportunities beyond just American Airlines purchases.
The Citi credit card that's best for you depends on whether you want travel rewards, cash back, a 0% intro APR, or a card to build your credit.
To pick a Citi card, start by pinpointing your No. 1 need in a credit card. This helps you figure out which type of Citi credit card to get, which will narrow down your options.
Here are a few common situations and the right type of card for each one:
If you still need help deciding, use our compare credit cards tool for a side by side analysis of all the important features.
Here are the customer service numbers for Citi credit cards:
Current cardholders can also get support through a live chat option. Automated support is available 24/7 with Citi® Bot. Representatives are available 8 a.m. to 8 p.m. ET, Monday through Friday.
Unfortunately, Citi doesn't have the best reputation for customer service. It ranked sixth in the J.D. Power 2023 U.S. Credit Card Satisfaction Study, scoring a few points below average. There are also quite a few complaints about Citi's customer service on social media. Keep reading about Citi credit cards
Citi has credit cards available for every credit score, so there's no set score needed for a Citi card.
If your credit score is below 600, the Citi® Secured Mastercard® is the card issuer's most accessible option. Since it's a secured card, it requires a security deposit.
Other cards have different requirements. Some of the best Citi credit cards, in particular its rewards credit cards, are aimed at consumers with a credit score of 700 or higher.
Learn more about Citi's credit scores specific to its cards:
Citi offers a diverse selection of credit cards. Below, we'll cover the main types of Citi credit cards.
Citi's 0% intro APR cards don't charge you any interest for an intro period. There are two types of intro 0% APR offers: purchases and balance transfers. An intro 0% APR on purchases means that purchases you make are interest free during the intro period. A 0% intro APR on balance transfers means you don't pay interest on balances you transfer over, such as those from other credit cards, for the intro period.
This is one of Citi's strong suits, as several of its cards boast lengthy 0% intro APR offers. If you're interested in this type of credit card, make sure you get one with the type of offer you need. Or, you can get a card with a 0% intro APR on purchases and balance transfers.
Another financing option Citi offers through its credit cards is Citi Flex Plan. If your card has this type of offer available, you can use it to get a Citi Flex Plan loan with a fixed interest rate.
A Citi cash back card rewards you with a set percentage back on your everyday purchases. Some cash back credit cards offer the same rate on purchases, with the Citi Double Cash® Card being one notable example. Others, such as the Costco Anywhere Visa® Card by Citi and Citi's business credit card with Costco, offer higher rates in bonus categories. You can typically redeem cash back as a statement credit or a deposit to a bank account.
Low-fee cards by Citi keep the cost of owning a credit card to a minimum. No annual fee credit cards fit into the low-fee category since they allow you to avoid fees entirely. Some cards go a step further. For example, there's the Citi Simplicity® Card. Besides not charging late fees, it also has no annual fee.
Card | Rating | Great For |
---|---|---|
Rating image, 4.50 out of 5 stars.
4.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Great For: Cash rewards |
|
Rating image, 4.25 out of 5 stars.
4.25/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Great For: Low interest |
|
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Great For: Customizing your cash back |
|
2024 Award Winner
|
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Great For: Balance transfers |
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Great For: Travel, restaurants, and groceries |
|
Rating image, 3.50 out of 5 stars.
3.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Great For: Rounding up points |
|
Rating image, 3.50 out of 5 stars.
3.50/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Great For: Costco members |
|
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Great For: Costco members |
|
Rating image, 4.00 out of 5 stars.
4.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Great For: American Airlines travel |
At The Motley Fool Ascent, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.
Our highest-rated credit cards have:
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.
The best Citi credit card for most consumers is the Citi Double Cash® Card. It offers a flat rate of up to 2% back on purchases. You get 1% back when you make a purchase, plus another 1% when you pay on time. Since it has a high cash back rate and it's easy to use, this card can work for just about anyone.
No single credit card is right for everybody, though. To choose the best Citi credit card for you, consider what benefits would be the most valuable. Depending on your lifestyle and financial needs, you might find that another Citi card is the right choice.
Citi offers the following types of credit cards:
You don't need a specific credit score to get a Citi credit card. Its most accessible card, the Citi® Secured Mastercard®, is available to a wide range of applicants and doesn't have a minimum credit score requirement. Other Citi credit cards have stricter requirements, but they vary depending on the card.
Citi ThankYou Points are rewards earned by some Citi cards. You can redeem ThankYou Points for travel, gift cards, cash back, and purchases with select retailers. Points can also be transferred to Citi's partners, including more than a dozen airlines, but only with select Citi ThankYou cards.
These are the Citi cards that earn ThankYou Points:
Although all those cards earn ThankYou Points, they don't all offer the same ways to redeem rewards. Only the Citi Strata Premier℠ Card and the Citi Prestige® Card let you transfer points to any of Citi's partners, so points are more useful if you have one of those cards.
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent, a Motley Fool service, does not cover all offers on the market. The Ascent has a dedicated team of editors and analysts focused on personal finance, and they follow the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.
The Motley Fool owns shares of and recommends Mastercard and Visa.