With its selection of cash back, balance transfer, airline miles, and low interest credit cards, Citicards is a popular choice for students, frequent flyers, consumers and small businesses.
Which Citicard is Good?
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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 rewards card to put some cash back in your pocket, read on to learn more about Citicards.
I want to earn cash back twice and pay no annual fee
Citi Cash Back Credit Card: Citi Double Cash Card
With the Citi Double Cash card, you'll earn cash back twice on every purchase: 1% cash back when you buy, and another 1% cash back as you pay for your purchase. Plus, there are no rotating categories you have to enroll in and no limits on the amount of cash back that you can earn.
Keep in mind, cash back will expire if you have not earned any cash back from purchases or payments for 12 months, so make sure you use the card regularly.
I want rewards with no annual fee
Citi Rewards Credit Card: Citi ThankYou Preferred Card
If you’re looking for an all-purpose rewards credit card, the Citi ThankYou Preferred Card, with its simple rewards structure and introductory APR 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. You can redeem points for gift cards or transfer points to an airline transfer partner.
I plan to carry a balance and I hate late fees, penalty fees, and annual fees
Citi Balance Transfer Card: Citi Simplicity Card
Citi Simplicity offers a 0% intro APR on balance transfers for 21 months and 0% intro APR on purchases for 12 months. After that, a variable APR, currently 15.99% to 25.99% depending on your creditworthiness. There is a 5% balance transfer fee ($5 minimum). There are no late fees, no penalty rates and no annual fees.
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
Citi Student Credit Card: Citi ThankYou Preferred Card for College Students
For college students wanting to build their credit history, the Citi Thank You Student Card is a good bet. You get 2 ThankYou points per dollar spent on purchases at restaurants and entertainment, and 1 ThankYou point on other purchases. The points can be redeemed for a variety of things including merchandise, gift cards, and travel rewards. There's no annual fee.
New cardholders earn 2,500 bonus points after spending $500 within the first 3 months of membership.
As with choosing any credit card, deciding which Citi card is best for you requires research and a 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: 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 any card issuer. This site may be compensated through the Advertiser's affiliate programs.
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.
Disclaimer: The information for the Citi Simplicity® Card, Citi® Double Cash Card, Citi ThankYou® Preferred Card, Citi ThankYou® Premier Card, and Citi ThankYou® Preferred Card for College Students has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.
 | Citi Simplicity® Card offers a 0% intro APR on balance transfers for 21 months and 0% intro APR on purchases for 12 months. After that, a variable APR, currently 15.99% to 25.99% depending on your creditworthiness. There is a 5% balance transfer fee ($5 minimum). There are no late fees, no penalty rates and no annual fees. | | Our Review: Do you have existing debt? The Citi Simplicity is a great way to pay if off faster with a generous intro APR offer. Find out if it's right for you and how it compares with other balance transfer cards... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0%* for 12 months* | 0%* for 21 months* | 15.99% - 25.99%* (Variable) | $0* |
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| Citi® Double Cash Card earn cash back twice on every purchase. You earn 1% cash back when you buy, and an additional 1% cash back as you pay for those purchases. There is no annual fee. | | | | Our Review: With no annual fee and the opportunity to earn cash back twice, the Citi Double Cash card beats out many cashback credit cards. But are there catches? Read on for the full details... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | 0%* for 18 months* | 15.49% - 25.49%* (Variable) | $0* |
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| Citi ThankYou® Preferred Card offers a 0% intro APR for 15 months on balance transfers and purchases. After that, a variable APR, currently 15.49% - 25.49%. This card earns 2x points on dining out and entertainment and 1x points on other purchases. There is no annual fee. | | | | 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 -- 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 Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0%* for 15 months* | 0%* for 15 months* | 15.49% - 25.49%* (Variable) | $0* |
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| Citi Prestige® Card earns 3x points on air travel and hotels, 2x points on dining out and entertainment, and 1x points on all other purchases. There is a $450 annual fee. | | | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | See Issuer's Website | $450 |
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| Citi ThankYou® Premier Card earns 50,000 bonus points after you spend $4,000 within the first 3 months of account opening. This card earns 3x points on travel (including gas), 2x points on dining out and entertainment and 1x points on other purchases. There is a $95 annual fee (waived for the first 12 months). | | | | Our Review: If you're looking for an all-purpose rewards credit card that offers a mix of travel perks, the Citi ThankYou Premier card deserves a look. This card offers triple reward points for travel, double reward points for dining and entertainment, and a long list of travel protections. Read on to see if the card is worth the $95 annual fee (waived for the first 12 months)... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | 16.49% - 25.49%* (Variable) | $95; fee waived for the first 12 months* |
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| Citi ThankYou® Preferred Card for College Students offers 2,500 bonus points after you spend $500 within the first three months of opening your account. This card earns 2 points per dollar spent on purchases for dining at restaurants and entertainment and 1 point on other purchases. There is no annual fee. | | | | Our Review: College students - whose pockets always have receipts from a restaurant and who always have a concert planned in their near future - stand to benefit from the Citi ThankYou Preferred. This rewards credit card was designed for students who frequently dine away from the dorm cafeteria and never pass up an entertainment opportunity, whether it's to the movies, a museum, an amusement park, or a live performance of a favorite band... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | 0%* for 7 months* | N/A | 16.49% - 26.49%* (Variable) | $0* |
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| Citi® / AAdvantage® Executive World Elite™ Mastercard® offers 50,000 American Airlines AAdvantage® miles if you spend $5,000 on purchases within the first three months of opening your account. Enjoy Admirals Club membership and complimentary Admirals Club lounge access for authorized users. This card lets you enjoy priority check-in (where available), priority airport screening (where available), and priority boarding (Group 4) on American Airline domestic flights. You also get the first checked bag free on domestic AA itineraries for you (and up to 8 companions traveling with you on the same reservation). There is a $450 annual fee.
Plus, each year, you earn 10,000 AAdvantage Elite Qualifying Miles (EQMs) if you spend $40,000 in purchases during the calendar year. | | | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | 17.74% - 25.74%* (Variable) | $450 |
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| Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® offers up to 50,000 American Airlines AAdvantage® bonus miles: you earn 40,000 miles after you spend $2,000 on purchases within the first 3 months of opening your account and another 10,000 bonus miles after you make a total of $6,000 in purchases within the first 12 months of account opening. Plus, you earn a $100 AA Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card.
This card earns 2 miles for every $1 spent at gas stations, restaurants, and on eligible American Airlines purchases. This card lets you enjoy preferred boarding on American Airline domestic flights. You also get the first checked bag free on domestic AA itineraries for you (and up to 4 companions traveling with you on the same reservation). There is a $99 annual fee (waived for the first 12 months). | | | | Our Review: If you are a frequent traveler and enjoy flying with American Airlines, the Citi AAdvantage Platinum Select MasterCard can save you money on airfare... Read full review | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | 17.99% - 25.99%* (Variable) | $99, waived for first 12 months* |
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| Citi® / AAdvantage® Gold World Elite™ Mastercard® earns 1 mile for every $1 you spend on purchases. There is a $50 annual fee (waived for the first 12 months). | | | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | See Issuer's Website | $50, waived for first 12 months* |
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| Citi® Secured Mastercard® reports to the 3 major credit bureaus to help you build credit history. This secured credit card's variable APR is 24.49%. A minimum $200 security deposit is required. There is no annual fee. | | Intro APR for Purchases | Intro APR for Balance Transfer | Regular APR | Annual Fee | | N/A | N/A | 24.49%* (Variable) | $0 |
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