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Citi Credit Cards

Citi Credit Card Deals: July 2014

We've compiled a list of the 9 Citi Credit Card Deals currently available on CreditDonkey.

Citi Credit Cards

Citi credit cards offer a wide range of credit cards for students, frequent flyers, consumers and businesses. Choose from benefits like cash back, airline rewards or reward points.


Which Citi Credit Card is Good?

With a broad and diverse product lineup, Citi has credit cards that are a smart fit for almost any type of cardholder. Whether you’re a college student, small business owner, or just looking for a quality rewards card to put some cash back in your pocket, check out our picks for the best Citi credit cards on CreditDonkey.

I want rewards with no annual fee

Best Citi Rewards Credit Card: Citi ThankYou Preferred Card
Citi ThankYou Preferred Card - Earn 20,000 Bonus Points
Apply for Citi ThankYou Preferred Card - Earn 20,000 Bonus Points
If you’re looking for an all-purpose rewards credit card, the Citi ThankYou Preferred Card, with its simple rewards structure and generous introductory offer, is a great option. You’ll earn a minimum of 1 point for every dollar you spend with the card, and double points on dining and entertainment purchases.

New cardholders earn a bonus of 20,000 points if they spend $1,500 with the card within 3 months of opening the account. That’s enough to redeem for up to $200 in gift cards or other rewards. Points have no expiration date and there’s no limit to how many you can earn. There is no annual fee.

I want cash back with no annual fee

Best Citi Cash Back Credit Card: Citi Dividend Platinum Select Card
Citi Dividend Platinum Select Visa Card
Apply for Citi Dividend Platinum Select Visa Card
If you’d prefer to earn cash back on your purchases instead of dealing with reward points, check out the Citi Dividend Platinum Select Card. All purchases earn 1% cash back, and you’ll earn 5% cash back on things you buy that fall into certain categories. These categories change every quarter.

As a new cardholder, you can take advantage of a particularly generous introductory offer: $100 in cash back if you spend $500 or more with the card in the first 3 months of opening your account. There is a $300 annual limit to the amount of cash back you can earn in a calendar year, but to reach that limit, you’d need to make upwards of $30,000 in purchases (at the 1% reward rate) with your card in a single year. There is no annual fee.

I plan to carry a balance and I hate late fees, penalty fees, and annual fees

Best Citi Balance Transfer Card: Citi Simplicity Card
Citi Simplicity Card
Apply for Citi Simplicity Card
The Citi Simplicity Card has no annual fee, no late fees, no penalty fees, and an introductory interest rate of 0% on balance transfers and purchases for your first 18 months as a cardholder. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.

It’s a great choice for anyone looking to make some big purchases that they’ll need time to pay off, or even to cut down their debt load by transferring their balance to a lower-interest card. You won’t be able to earn any rewards points or cash back on purchases made with this card, but the money you’ll save on interest payments should more than make up for any rewards you could have accumulated elsewhere.

I'm a college student and I want rewards with no annual fee

Best Citi Student Credit Card: Citi Dividend Card for College Students
Citi Dividend Card for College Students
Apply for Citi Dividend Card for College Students
For college students wanting to build their credit histories, the Citi Dividend for College Students is hard to beat. The cash back structure is almost identical to the Citi Dividend Platinum Select card (see above), with 1% cash back on all purchases and 5% cash back on purchases in rotating categories. However, the introductory offer is a bit less generous: there's no bonus cash back and the introductory APR on purchases is for only seven months (rather than 12). There’s no annual fee and cardholders have the option of choosing their payment due date, two features that should be appealing to college students new to the world of credit.

I'm a small business owner and I want rewards with no annual fee

Best Citi Business Credit Card: CitiBusiness ThankYou Card
CitiBusiness ThankYou Card
Apply for CitiBusiness ThankYou Card
As a general purpose rewards credit card for business owners, the CitiBusiness ThankYou has great perks. All spending earns a minimum of 1 point per $1, while purchases made in rotating categories earn 3 points per $1. These categories, which change quarterly, include spending on office supplies, advertising, computers and software, travel, and restaurants.

The introductory offer is generous: spend $3,000 or more within your first 3 months as a cardholder and you’ll earn 15,000 bonus points. That’s enough to redeem for a $150 gift card. There’s no annual fee, no expiration on points, and no limit to the number of points you can earn.


As with choosing any credit card, deciding which Citi card is best for you requires research and a complete understanding of the pros and cons associated with each card. We hope this list provides you with a head start on your credit card comparison shopping.

Editorial Note: This content is not provided by Citi. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Citi. This site may be compensated through the Advertiser's affiliate programs.


Citi Personal

Citi Simplicity Card
Read ReviewApply for Citi Simplicity Card
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER
  • No penalty rate - EVER
  • No annual fee - EVER
  • Save time when you call with fast, personal help, 24 hours a day.
Car Rental InsuranceExtended Warranty$0 Fraud LiabilityIdentity Theft Assistance
Our Review: By not charging for late payments, the Citi Simplicity Card gives cardholders some breathing room when it comes to managing their credit. Plus, with an 18-month 0% introductory APR on purchases and balance transfers, this card is a smart pick for people who carry a balance. In exchange for this flexibility, the Citi Simplicity Card does not have a rewards program... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0%* for 18 months*
0%* for 18 months*
12.99% - 21.99%* (Variable)
$0*

Citi Diamond Preferred Card
Read ReviewApply for Citi Diamond Preferred Card
  • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Easy DealsSM Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card.
  • Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee*
ConciergeEventsCar Rental InsuranceExtended WarrantyPurchase ProtectionTravel Accident Insurance$0 Fraud LiabilityEmergency Assistance
Our Review: With its 18-month 0% APR on purchases and balance transfers, the Citi Diamond Preferred Card is a great pick for people who carry a balance. While this card does offer a few other benefits, such as a concierge service, its main attraction is its introductory APR... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0%* for 18 months*
0%* for 18 months*
11.99% - 21.99%* (Variable)
$0*

Citi Dividend Platinum Select Visa Card
Read ReviewApply for Citi Dividend Platinum Select Visa Card
  • Earn $100 cash back after $500 in purchases within the first 3 months of account opening
  • Earn 5% Cash Back in categories every quarter. Right now, on eligible purchases within the Hilton Portfolio, car rental agencies, movie theaters and theme parks from 7/1/14 - 9/30/14
  • Enrollment each quarter is quick and easy
  • Earn 1% cash back on all other purchases.
  • The total cash back earned with the card is $300 per calendar year, excluding the $100 cash back with this offer. See Citi Dividend Card Reward Program Information.
  • 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • No Annual Fee*
  • Click Apply Now to see pricing details
Introductory Bonus Cash BackCash Back RewardsBonus Cash BackCar Rental InsuranceExtended WarrantyPurchase ProtectionBaggage InsuranceTravel Accident Insurance$0 Fraud Liability Identity Theft Assistance
Our Review: If you’re looking for a cash back card with a 0% introductory APR and no annual fee, you should consider the Citi Dividend Platinum Select Visa Card. This card also offers rotating cash back bonus categories and a sign-up bonus. But big spenders beware: the annual $300 cash back limit might put a damper on your earnings... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0%* for 12 months*
0%* for 12 months*
12.99% - 22.99%* (Variable)
$0*

Citi ThankYou Preferred Card - Earn 20,000 Bonus Points
Read ReviewApply for Citi ThankYou Preferred Card - Earn 20,000 Bonus Points
  • Earn 20,000 bonus ThankYou® Points after $1,500 in card purchases within 3 months of account opening - redeemable for $200 in gift cards or other great rewards!
  • 0% intro APR on Balance Transfers and Purchases for 12 months. After that, the variable APR will be 12.99%-22.99% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.*
  • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment. 1 ThankYou Point on other purchases.
  • Points do not expire and earn unlimited Thank You Points
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*
Introductory Bonus Reward PointsPoint RewardsDining RewardsNo Expiration on RewardsNo Limits on RewardsCar Rental InsuranceExtended WarrantyPurchase ProtectionTravel Accident Insurance $0 Fraud Liability
Our Review: If you’re looking for a simple rewards card with a straightforward points structure the Citi ThankYou Preferred Rewards card might be a good fit for you. There are no complicated rotating “bonus reward” categories, no expiration dates on points earned, and no annual fee- all purchases will earn you 1 point for each dollar you spend with the exception of dining and entertainment purchases which earn double points... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0%* for 12 months*
0%* for 12 months*
12.99% - 22.99%* (Variable)
$0*

Citi ThankYou Premier Card
Apply for Citi ThankYou Premier Card
  • Earn up to 50,000 bonus ThankYou® Points. Bonus points are redeemable for up to $500 in gift cards, up to $625 for airfare or other great rewards
  • Earn 20,000 points after $2,000 in purchases within the first 3 months of account opening
  • Earn an additional 30,000 points after another $3,000 in purchases within the first 3 months of your second year of being a cardmember
  • Earn 3 ThankYou Points for every $1 spent on purchases for dining at restaurants and entertainment
  • Earn 2 ThankYou Points for every $1 spent on purchases for airfare and hotels
  • Earn 1 ThankYou Point per $1 spent on other purchases
  • Points do not expire and earn unlimited Thank You Points
  • Travel with ease and enjoy chip based technology
Introductory Bonus Reward PointsAirline RewardsHotel RewardsPoint RewardsDining RewardsNo Expiration on RewardsNo Limits on RewardsNo Pre-Set Spending LimitCar Rental Insurance Extended WarrantyTravel Accident Insurance$0 Fraud Liability
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
13.99% - 22.99%* (Variable)
$125; fee waived for the first 12 months*

Citi Dividend Card for College Students
Read ReviewApply for Citi Dividend Card for College Students
  • Build credit while earning cash back fast
  • Earn 5% Cash Back in categories every quarter. Right now, on eligible purchases within the Hilton Portfolio, car rental agencies, movie theaters and theme parks from 7/1/14 - 9/30/14
  • Enrollment each quarter is quick and easy.
  • Earn 1% cash back on all other purchases
  • The total cash back earned with the card is $300 per calendar year. See Citi Dividend Card Reward Program Information.
  • Choose your payment due date
  • No Annual Fee
  • Click Apply Now for pricing details
StudentCash Back RewardsBonus Cash BackCar Rental InsuranceExtended WarrantyPurchase ProtectionTravel Accident Insurance$0 Fraud LiabilityEmergency Assistance Identity Theft Assistance
Our Review: Free of annual fees, the Citi® Dividend® Card for College Students offers 1% cash back on all eligible purchases. Cardholders also receive an introductory purchase APR and a variety of extra protections. Because this card does not require a co-signer from students who have an income, it can be a good pick for a first credit card... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0%* for 7 months*
N/A
13.99% - 23.99%* (Variable)
$0*

Citi ThankYou Preferred Card for College Students
Apply for Citi ThankYou Preferred Card for College Students
  • Earn 2,500 bonus ThankYou® Points after spending $500 within the first 3 months of cardmembership.
  • 2 ThankYou® Points per dollar spent on purchases for dining at restaurants and entertainment.
  • 1 ThankYou® Point on other purchases.
  • Points do not expire and earn unlimited Thank You Points
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*
StudentIntroductory Bonus Reward PointsPoint RewardsDining RewardsNo Expiration on RewardsCar Rental InsuranceExtended WarrantyPurchase Protection
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0% for 7 months
N/A
13.99% - 23.99%* (Variable)
$0

Citi Hilton HHonors Visa Signature Card
Read ReviewApply for Citi Hilton HHonors Visa Signature Card
  • Earn 40,000 Hilton HHonors Bonus Points after spending $1,000 within 4 months of account opening*
  • Earn 6 HHonors Bonus Points for each $1 spent at a participating hotel within the Hilton HHonors portfolio.*
  • Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations.*
  • Earn 2 HHonors Bonus Points for each $1 spent on all other purchases.*
  • No annual fee.*
Introductory Bonus Hotel RewardsHotel RewardsDrugstore RewardsGas RewardsGrocery RewardsNo Expiration on RewardsNo Limits on RewardsNo Pre-Set Spending LimitConcierge Car Rental InsurancePurchase ProtectionTravel Accident Insurance$0 Fraud LiabilityEmergency AssistanceIdentity Theft Assistance
Our Review: The Citi Hilton HHonors Visa is an excellent rewards card for travelers who enjoy staying at Hilton hotels. This card earns free nights at Hilton hotels around the world and gives you HHonors Status with the Hilton chain... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
14.24% - 16.24%* (Variable)
None

Citi Hilton HHonors Reserve Card
Read ReviewApply for Citi Hilton HHonors Reserve Card
  • Earn 2 weekend night certificates good at select hotels and resorts within the Hilton HHonors portfolio after $2,500 in eligible purchases within 4 months of account opening*
  • Earn 10 HHonors Bonus Points per $1 spent on hotel stays within the Hilton HHonors portfolio*
  • Earn 5 HHonors Bonus Points per $1 spent on airline and car rental purchases*
  • Earn 3 HHonors Bonus Points per $1 spent on all other eligible purchases*
  • Enjoy the benefits of HHonors Gold status as long as you are a cardmember*
  • No foreign transaction fees on purchases*
  • Travel with ease and enjoy global acceptance with your Citi chip credit card
Introductory Bonus Hotel RewardsHotel RewardsBonus Hotel RewardsCar Rental RewardsCar Rental InsurancePurchase ProtectionTravel Accident Insurance$0 Fraud LiabilityEmergency Assistance
Our Review: If you are a frequent traveler and enjoy staying at the Hilton chain of hotels, you should consider the Citi HHilton Reserve Card. When you use this card, you earn points toward free nights at Hilton hotels and resorts. This card also offers a number of other solid travel benefits. While you do need to pay an annual fee of $95 to keep this card active, you will easily make this money back in hotel benefits... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
15.24%* (Variable)
$95*

Citi Platinum Select / AAdvantage World MasterCard
Read ReviewApply for Citi Platinum Select / AAdvantage World MasterCard
  • Earn 30,000 American Airlines AAdvantage® bonus miles after $1,000 in purchases in the first 3 months of cardmembership*
  • Your first eligible checked bag is free*
  • Group 1 boarding and 25% savings on eligible in-flight purchases*
  • Earn a $100 American Airlines Flight Discount every cardmembership year with qualifying purchases and cardmembership renewal*
  • Double AAdvantage® miles on eligible American Airlines purchases*
  • Earn 10% of your redeemed AAdvantage® miles back - up to 10,000 AAdvantage® miles each calendar year*
Introductory Bonus Airline RewardsAirline RewardsBonus Airline RewardsNo Expiration on RewardsNo Limits on RewardsNo Pre-Set Spending LimitCar Rental InsuranceExtended WarrantyPurchase Protection $0 Fraud Liability
Our Review: If you are a frequent traveler and enjoy flying with American Airlines, the Citi Platinum Select AAdvantage Card can save you money on airfare. Beyond collecting flight rewards on all your purchases, this card also offers several additional bonuses that will save you even more money on airfare. While there is an annual fee of $95, it's very likely that you'll easily make up this cost and more in travel rewards you earn... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
13.99% - 21.99%* (Variable)
$95, waived for first 12 months*

Citi Business

CitiBusiness ThankYou Card
Read ReviewApply for CitiBusiness ThankYou Card
  • Earn 15,000 bonus ThankYou® points after you make $3,000 in purchases within 3 months of cardmembership — redeemable for $150 in gift cards.
  • 0% introductory APR on purchases for 6 months. After that, 13.24% variable*
  • Earn 3 ThankYou® points for every dollar you spend on eligible purchases in rotating business categories*
  • Points do not expire and there is no cap to the ThankYou points you can earn.
  • Redeem points for great rewards from business supplies and merchandise to gift cards, travel rewards or even cash rewards
  • No Annual Fee*
Introductory Bonus Reward PointsPoint RewardsBonus Reward PointsNo Expiration on RewardsNo Limits on RewardsCar Rental InsuranceExtended WarrantyPurchase ProtectionTravel Accident Insurance
Our Review: Running a business is expensive. With the CitiBusiness ThankYou Card, you can earn 3 points on rotating business categories and 1 point for everything else you buy. It also offers a generous signup bonus and no annual fee... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
0%* for 6 months*
N/A
13.24%* (Variable)
N/A

CitiBusiness / AAdvantage World MasterCard
Read ReviewApply for CitiBusiness / AAdvantage World MasterCard
  • Designed for businesses with an established credit history
  • Earn 30,000 American Airlines AAdvantage® bonus miles after $1,000 in purchases in the first 3 months of cardmembership*
  • Get the first checked bag free for you and up to 4 traveling companions*
  • Enjoy Group 1 Boarding*
  • Earn 2 American Airlines AAdvantage® miles for each $1 you spend on American Airlines purchases and on purchases at certain office supply, telecommunications & car rental merchants*
  • Receive 25% savings on in-flight food and beverage purchases when you use your card*
Introductory Bonus Airline RewardsAirline RewardsBonus Airline RewardsConciergeCar Rental InsuranceExtended WarrantyPurchase ProtectionTravel Accident InsuranceEmergency Assistance
Our Review: If you fly American Airlines often for business travel, the CitiBusiness AAdvantage World MasterCard is worth checking out. This card offers 30,000 bonus miles after $1,000 in purchases in the first 3 months of cardmembership. Is this sign-up bonus, in addition to miles earned for every purchase worth the $95 annual fee (waived for the first 12 months)? Let's take a look... Read full review
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
15.24%* (Variable)
$95, waived for the first 12 months*

Articles on Citi

    Why Citibank is Good

    Citibank is one of the largest banks and credit card companies in the world. Citibank’s size lets it offer a wide range of reward programs and other card benefits, so it’s easy to find the card you want. They also offer online banking and one of ...

About CreditDonkey®
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy financial decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: The card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.