Can I combine my Citi credit cards?

Citi lets you pool your ThankYou points into one account with cards like the Citi Premier and the Citi Double Cash. Owning multiple Citi cards and combining their rewards is a good way to maximize your earnings on different spending categories.

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Best Citi Credit Cards in 2023

Q: Are Citi credit cards hard to get?

Citi credit cards generally require Good to Excellent credit for the best approval odds. For customers with lower credit, Citi offers the Citi® Secured Mastercard® Credit Card, which helps rebuild credit without charging an annual fee.

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Citi Double Cash^® Card

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on Citibank's secure site

Citi Double Cash^® Card

The Citi Double Cash^® Card is our top choice, as it earns unlimited 2% cash back with no annual fee. You can redeem rewards for cash back, gift cards, travel and more. Or, transfer points to airline and hotel partners for a potentially higher value.

Learn More

on Citibank's secure site

Citi, which serves more than 200 million clients, is the third largest credit card issuer in the U.S. Citi offers credit cards to fit almost every need. You’ll find branded and co-branded cards for airlines, hotels and travel, as well as cash back cards, 0% intro APR cards and balance transfer cards.

Many of its cards offer valuable benefits, like airline benefits, flexible rewards, no foreign transaction fees and Citi Entertainment promotions. In this list of the best Citi credit cards, you should find a card that meets your goals and budget.
Citi is an advertising partner.

Best Citi Credit Cards in 2023

Winner (Citi cash back credit card)

Citi Double Cash^® Card

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on Citibank's secure site
Citi travel card

Citi Premier^® Card

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on Citibank's secure site
Citi business credit card

CitiBusiness®/ AAdvantage® Platinum Select® Mastercard®

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on Citibank's secure site
Citi secured credit card

Citi^® Secured Mastercard^®

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on Citibank's secure site
Citi rewards credit card

Citi Rewards+^® Card

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on Citibank's secure site
Citi airline credit card

Citi^® / AAdvantage^® Platinum Select^® World Elite Mastercard^®

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on Citibank's secure site
Citi gas credit card

Citi Custom Cash^® Card

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on Citibank's secure site
Citi credit card for balance transfer

Citi Simplicity^® Card

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on Citibank's secure site
Best credit card for Costco

Costco Anywhere Visa^® Card by Citi

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on Citibank's secure site

Winner (Citi cash back credit card)

Citi Double Cash^® Card

LendingTree's Review

3.7

LendingTree's Review

3.7

Learn More

on Citibank's secure site

Earn up to 5% cash back

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.

Unlimited cash back of up to 2%
No annual fee
Long intro APR on balance transfers
Flexible redemption options
Transfer points to 10-plus travel partners when paired with premium Citi cards

Must repay purchases to earn full 2% cash back
Foreign transaction fee of 3%
No 0% intro APR for purchases
Balance transfer fee increases after four months

The Citi Double Cash^® Card is our top choice, as it’s a flat-rate cash back card that offers a straight-forward rewards program with a high earning rate. You don’t have to remember bonus categories or register for promotions, but you’ll only earn the top rate by repaying your purchases. It offers flexible rewards that you can redeem for cash back, travel, gift cards and more.

In addition, you can also pair the Citi Double Cash^® Card with the Citi Premier^® Card to unlock a variety of hotel and airline partners to transfer rewards to. This makes the Citi Double Cash^® Card a must-have card for anyone stockpiling Citi ThankYou points.

However, the downsides are that it charges a 3% foreign transaction fee and it doesn’t have a 0% intro APR for new purchases.

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.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
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).

The information related to the Citi Double Cash^® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Citi travel card

Citi Premier^® Card

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on Citibank's secure site

Earn 3X points on everyday categories including gas, supermarkets and restaurants

10X total ThankYou^® Points per $1 spent on hotel, car rentals and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024. 3X -- Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels 3X -- Earn 3 Points per $1 spent at Restaurants and Supermarkets 1X -- Earn 1 Point on All Other Purchases Annual Hotel Savings Benefit

Generous welcome bonus
Earn 3x points on bonus categories
Annual hotel savings credit offsets annual fee
Transfer points 1:1 to more than 10 airline and hotel partners
No foreign transaction fee

$95 annual fee
No intro APR offers
Limited perks outside its rewards
No travel or purchase protections
No major U.S. airline partners

The Citi Premier^® Card is the best Citi card for travel because it offers excellent rewards on a wide variety of categories. You’ll earn 10X total ThankYou^® Points per $1 spent on hotel, car rentals and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024. 3X -- Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels 3X -- Earn 3 Points per $1 spent at Restaurants and Supermarkets 1X -- Earn 1 Point on All Other Purchases Annual Hotel Savings Benefit. New cardholders can also earn a generous welcome bonus.

The points you earn with this card are really valuable, as you can transfer them to over 10 hotel and airline partners (including Cathay Pacific, Emirates, Flying Blue, JetBlue and Choice Rewards). The icing on the cake is its $100 annual hotel credit at ThankYou.com, which effectively cancels out the card’s $95 annual fee.

Earn 60,000 bonus ThankYou^® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou^® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
Earn 3 Points per $1 spent at Restaurants and Supermarkets
Earn 1 Point per $1 spent on all other purchases
Annual Hotel Savings Benefit
60,000 ThankYou^® Points are redeemable for $600 in gift cards or travel rewards at thankyou.com
No expiration and no limit to the amount of points you can earn with this card
No Foreign Transaction Fees on purchases

The information related to the Citi Premier^® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Citi business credit card

CitiBusiness®/ AAdvantage® Platinum Select® Mastercard®

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on Citibank's secure site

Earn 2X miles on gas, cable and satellite, telecommunications, car rentals and American Airlines purchases

Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases. Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations. 1 AAdvantage® mile for every $1 spent on other purchases.

Large welcome bonus
Benefits when flying on American Airlines
Companion certificate each year you spend $30,000
No foreign transaction fees
Free employee cards

No travel or purchase protections
Limited redemption options for airline miles
No intro APR offer

Business owners can turn company expenses into future vacations with the CitiBusiness®/ AAdvantage® Platinum Select® Mastercard® Credit Card. The card earns 2x miles on multiple bonus categories and includes a generous welcome bonus for new cardholders. Business owners can also add employee cards at no additional charge to earn rewards on their purchases.

Although the card doesn’t offer travel or purchase protections, you can get additional benefits when flying on American Airlines. Plus, you’ll receive a companion certificate good for a domestic flight when you spend at least $30,000 in a calendar year.

Designed for businesses
Earn 75,000 American Airlines AAdvantage® bonus miles after spending $6,000 in purchases within the first 6 months of account opening.
First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line.
25% savings on American Airlines inflight Wi-Fi when you use your card
Enjoy preferred boarding on American Airlines flights
Earn 2 AAdvantage^® miles per $1 spent on eligible American Airlines purchases
Earn 2 AAdvantage^® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations.
Earn 1 AAdvantage^® mile per $1 spent on other purchases
No Foreign Transaction Fees

The information related to the CitiBusiness®/ AAdvantage® Platinum Select® Mastercard® has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Citi secured credit card

Citi^® Secured Mastercard^®

Citi<sup>®</sup> Secured Mastercard<sup>®</sup>

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on Citibank's secure site

Helps build credit for no annual fee

Qualify with a low credit score
Credit limits of $200 to $2,500
Helps to build credit by reporting to all three credit bureaus
Free FICO Score access
No annual fee

Doesn’t earn rewards
High APR of 27.74% (Variable)
Minimum security deposit of $200

The Citi^® Secured Mastercard^® is the only secured credit card option from Citi, but it’s a good card for people who are rebuilding credit or just getting started with it. It doesn’t charge an annual fee, and Citi reports your usage to all three major credit bureaus. Plus, it even offers a flexible credit limit that’s based on your security deposit, ranging from $200 to $2,500.

It doesn’t earn rewards — still, it is an affordable option compared to other cards for people with bad credit, since it doesn’t charge a lot of fees.

Unfortunately, it does have a high APR of 27.74% (Variable), so make sure that you avoid charging more than you can repay each month to avoid its high interest rate.

The Citi® Secured Mastercard® is a no annual fee credit card that helps you build your credit when used responsibly.
Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus. Once available, you will also have free access to your FICO score online.
Use your card anywhere Mastercard® is accepted — worldwide.
A security deposit is required. Once approved, your credit limit will be equal to your security deposit (minimum of $200).
Get help staying on track with Auto Pay and account alerts.
With Flexible Payment Due Dates, you can choose any available due date in the beginning, middle or end of the month.
Manage your account 24/7 online, by phone, or in our mobile app.

The information related to the Citi^® Secured Mastercard^® has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Citi rewards credit card

Citi Rewards+® Card

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on Citibank's secure site

Rounds your rewards up to the nearest 10 points on every purchase

A $2 parking meter earns 10 points. A $12 drug store purchase earns you 20 points. This makes the card ideal for small, everyday purchases.

Large welcome bonus
Earn 2X points on bonus categories
Rounds your rewards up to the nearest 10 points
Get a 10% rebate on points redeemed
Low intro APR offer for purchases and balance transfers

2X bonus limited to $6,000 in purchases per year
3% foreign transaction fee
18.74% - 28.74% (Variable) APR

The Citi Rewards+^® Card is a solid no-annual-fee rewards card for those who want to rack up Citi ThankYou points with bonus rewards on supermarkets and gas. It’s a great option for small purchases like coffee or ice cream, because of its unique roundup feature. On every purchase, Citi rounds your points up to the nearest 10 points. For instance, a $2 purchase earns 10 points instead of 2.

You can redeem points for travel, statement credits, gift cards and more. In addition, you’ll get 10% of your redeemed points back each year (up to 100,000 points redeemed). New cardholders can also qualify for a welcome bonus and an intro APR offer on purchases and balance transfers.

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
Plus, for a limited time, earn 5 ThankYou^® Points per $1 spent on hotel, car rentals and attractions booked on the Citi Travel℠ portal through June 30, 2024.
0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness. 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).
Earn 2X ThankYou^® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou^® Points on All Other Purchases.
The Citi Rewards+^® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
No Annual Fee

The information related to the Citi Rewards+® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Citi airline credit card

Citi^® / AAdvantage^® Platinum Select^® World Elite Mastercard^®

Citi<sup>®</sup> / AAdvantage<sup>®</sup> Platinum Select<sup>®</sup> World Elite Mastercard<sup>®</sup>

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on Citibank's secure site

Earn 2X miles on gas, restaurant and eligible American Airlines purchases

Earn 2 AAdvantage^® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases

Large sign-up bonus
Bonus points on gas, restaurants and American Airlines purchases
Receive both airline miles and Loyalty Points on purchases
Complimentary benefits when flying American Airlines
Earn a $125 flight discount based on annual spending
No foreign transaction fees

No travel or purchase protections
Lackluster bonus categories

People who like to fly American Airlines will find significant value in the Citi^® / AAdvantage^® Platinum Select^® World Elite Mastercard^®. It features complimentary benefits on American Airlines flights: You’ll get a first checked bag free, preferred boarding and a 25% discount on in-flight purchases. The card also provides a large welcome bonus and up to 2X miles on purchases. And for every mile you earn on purchases, you’ll also receive 1 Loyalty Point towards earning AAdvantage elite status.

Cardholders can also earn a $125 American Airlines flight credit when they spend at least $20,000 each year. The card doesn’t charge foreign transaction fees, so it’s a great travel companion on international flights. Plus, you’ll get an annual fee of $99, waived for first 12 months, so you can try out the card’s benefits before committing to it.

Earn 50,000 American Airlines AAdvantage^® bonus miles after spending $2,500 in purchases within the first 3 months of account opening
Earn 2 AAdvantage^® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases
Earn 1 Loyalty Point for every 1 eligible AAdvantage^® mile earned from purchases
Earn a $125 American Airlines Flight Discount after you spend $20,000 or more in purchases during your card membership year and renew your card
No Foreign Transaction Fees
First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation
Enjoy preferred boarding on American Airlines flights

The information related to the Citi^® / AAdvantage^® Platinum Select^® World Elite Mastercard^® has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Citi gas credit card

Citi Custom Cash® Card

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on Citibank's secure site

Earn 5% cash back on your top eligible spend category each billing cycle (including gas)

Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.

Earn 5% on your highest eligible spending category each month
Bonus categories include gas, groceries, dining and others
Bonus automatically applies to highest category without manual activation
Six months to earn cash back welcome bonus
Intro APR on purchases and balance transfers

Bonus category is limited to $500 in spending per month
Only one bonus category per month
Other purchases only earn 1% cash back
No purchase protections
High balance transfer fee
3% foreign transaction fee

The Citi Custom Cash^® Card is the best Citi credit card for gas, since you can earn 5% on gas when it’s your highest category of spend for the month — a rate matched by few other cards. Cardholders Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.

Unlike similar 5% cash back cards, you don’t have to preregister or activate the 5% bonus — Citi automatically applies the bonus cash back to your highest eligible category. It earns Citi ThankYou points, which you can redeem for cash back, travel, gift cards and more.

Plus, you’ll also get a 0% intro APR for 15 months on purchases (followed by an APR of 19.24% - 29.24% (Variable)) and a 0% intro APR for 15 months on balance transfers (followed by an APR of 19.24% - 29.24% (Variable)). However, there is a 5% of each balance transfer; $5 minimum., and that’s much higher than the 3% found on competing balance transfer offers.

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.
0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
No Annual Fee
Citi will only issue one Citi Custom Cash® Card account per person.

The information related to the Citi Custom Cash® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Citi credit card for balance transfer

Citi Simplicity^® Card

LendingTree's Review

4.6

LendingTree's Review

4.6

Learn More

on Citibank's secure site

0% APR on balance transfers for 21 months

Get an intro APR of 0% for 21 months on Balance Transfers, after which an 19.24% - 29.99% (Variable) APR will apply

Long 21-month intro APR on balance transfers
Purchase intro APR of 12 months
No annual fee
No late fees or penalty APR

Doesn’t earn rewards
Limited benefits
Standard purchase APR of up to 29.99% (Variable)

The Citi Simplicity^® Card is ideal for people who want to save interest when paying off debt. It offers almost two years of interest-free financing on balance transfers. Plus, it offers an intro APR of 0% for 12 months on Purchases (followed by a 19.24% - 29.99% (Variable) APR).

The card doesn’t earn rewards, offer a welcome bonus or provide many benefits. However, it excels with its balance transfer and purchase intro APR offers without paying an annual fee. Once your debt is paid off, you can then consider opening a card that earns rewards.

No Late Fees, No Penalty Rate, and No Annual Fee... Ever
0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 19.24% - 29.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
There is an introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for balances transfers completed within 4 months of account opening.
Stay protected with Citi^® Quick Lock

The information related to the Citi Simplicity^® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best credit card for Costco

Costco Anywhere Visa^® Card by Citi

Costco Anywhere Visa<sup>®</sup> Card by Citi

Learn More

on Citibank's secure site

Earn up to 4% cash back

4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter, 3% on restaurants & travel, 2% at Costco & Costco.com, 1% on all other purchases

Generous cash back on gas, restaurants, travel and Costco purchases
Travel and purchase protections
No annual fee
No foreign transaction fees

Must be a Costco member to open card
No welcome bonus
Gas and EV charging categories are limited to $7,000 per year
Rewards are only redeemable at Costco
You can only redeem rewards once per year
You lose your rewards if you cancel your membership before they’re issued

Customers that shop at Costco will find great value in the Costco Anywhere Visa^® Card by Citi. This card is available exclusively to Costco members, and there’s no annual fee after paying your membership fee. Although the card doesn’t offer a welcome bonus, it earns up to 4% on purchases. You’ll earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter, 3% on restaurants & travel, 2% at Costco & Costco.com, 1% on all other purchases.

You receive your rewards with your February billing statement, and you can redeem them for cash or merchandise at U.S. Costco locations. Notably, this card is one of the few Citibank credit cards with purchase protections, an extended warranty and rental car protection.

Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
3% cash back on restaurants and eligible travel purchases
2% cash back on all other purchases from Costco and Costco.com
1% cash back on all other purchases
No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico

The information related to the Costco Anywhere Visa^® Card by Citi has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Side-by-side comparison of the best Citi credit card

Credit Cards	Our Ratings	Welcome Offer	Rewards Rate	Annual Fee
Citi Double Cash^® Card Learn More on Citibank's secure site	3.7 Winner (Citi cash back credit card)	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.	Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.	$0	Learn More on Citibank's secure site
Citi Premier^® Card Learn More on Citibank's secure site	Citi travel card	Earn 60,000 bonus ThankYou^® Points after you spend $4,000 in purchases within the first 3 months of account opening	10X total ThankYou^® Points per $1 spent on hotel, car rentals and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024. 3X -- Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels 3X -- Earn 3 Points per $1 spent at Restaurants and Supermarkets 1X -- Earn 1 Point on All Other Purchases Annual Hotel Savings Benefit	$95	Learn More on Citibank's secure site
CitiBusiness®/ AAdvantage® Platinum Select® Mastercard® Learn More on Citibank's secure site	Citi business credit card	Earn 75,000 American Airlines AAdvantage® bonus miles after spending $6,000 in purchases within the first 6 months of account opening.	Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases. Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations. 1 AAdvantage® mile for every $1 spent on other purchases.	$99, waived for first 12 months	Learn More on Citibank's secure site
Citi^® Secured Mastercard^® Learn More on Citibank's secure site	Citi secured credit card	N/A	Non-rewards card	$0	Learn More on Citibank's secure site
Citi Rewards+^® Card Learn More on Citibank's secure site	Citi rewards credit card	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. Plus, for a limited time, earn 5 ThankYou^® Points per $1 spent on hotel, car rentals and attractions booked on the Citi Travel℠ portal through June 30, 2024.	Earn 2X ThankYou^® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou^® Points on All Other Purchases.	$0	Learn More on Citibank's secure site
Citi^® / AAdvantage^® Platinum Select^® World Elite Mastercard^® Learn More on Citibank's secure site	Citi airline credit card	Earn 50,000 American Airlines AAdvantage^® bonus miles after spending $2,500 in purchases within the first 3 months of account opening	Earn 2 AAdvantage^® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases	$99, waived for first 12 months	Learn More on Citibank's secure site
Citi Custom Cash^® Card Learn More on Citibank's secure site	Citi gas credit card	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.	Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.	$0	Learn More on Citibank's secure site
Citi Simplicity^® Card Learn More on Citibank's secure site	4.6 Citi credit card for balance transfer	N/A	N/A	$0	Learn More on Citibank's secure site
Costco Anywhere Visa^® Card by Citi Learn More on Citibank's secure site	Best credit card for Costco	N/A	4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter, 3% on restaurants & travel, 2% at Costco & Costco.com, 1% on all other purchases	$0	Learn More on Citibank's secure site

The information for the Citi Double Cash^® Card, Citi Premier^® Card, CitiBusiness®/ AAdvantage® Platinum Select® Mastercard®, Citi^® Secured Mastercard^®, Citi Rewards+^® Card, Citi^® / AAdvantage^® Platinum Select^® World Elite Mastercard^®, Citi Custom Cash^® Card, Citi Simplicity^® Card and Costco Anywhere Visa^® Card by Citi has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms Apply.

Are Citi credit cards good?

Citi offers a variety of good card options for customers with different budgets and goals. You should apply for a Citi credit card if you want to earn rewards, take advantage of intro APR offers and enjoy special perks with its brand partners.

Its credit card lineup is limited compared to American Express and Chase, and it doesn’t have premium cards for its ThankYou points or business customers. However, it does offer appealing choices if you like its co-partner brands, want to earn flexible points or desire an intro APR offer. Most of Citi’s cards also lack travel and purchase protections that are standard with many rewards credit cards.

Pros and cons of Citi credit cards

Variety of card options to meet budget and goals
ThankYou points offer flexible redemption options
Intro APR offers up to 21 months
Many no annual fee cards to choose from

Most cards don’t offer travel or purchase protections
Limited premium card options
Many cards don’t offer welcome bonuses
Only two business card options
Citi travel partners don’t include any major U.S. airlines

Citi credit card benefits

Cardholders can enjoy a variety of benefits within the Citi card lineup. Overall benefits vary by card, but there are some benefits that you’ll commonly find on Citi cards.

No foreign transaction fees

When making purchases outside the U.S., banks may charge fees up to 3% of your purchase amount. These hidden fees automatically increase how much you spend while traveling. Several Citi cards omit this fee, including the Citi^® / AAdvantage^® Platinum Select^® World Elite Mastercard^® Credit Card.
Points transfer

Transferring points to hotel and airline partners allows cardholders to book award travel for a potentially higher value. If you own the Citi Premier^® Card, you can transfer Citi ThankYou points to 17 partners, including Etihad, Qantas and Virgin Atlantic. Other Citi ThankYou cards, like the Citi Rewards+, allow you to transfer points to a smaller set of partners.
Intro APR offers

An intro APR offer provides interest-free financing on purchases, balance transfers or both. As long as you pay off the balance before the promotional period expires, you won’t owe any interest. The Citi Simplicity^® Card is one of the best options for an intro APR on balance transfers.
Citi entertainment

Citi offers exclusive access to presale tickets and unique experiences for its cardholders. The Citi Double Cash^® Card includes this feature in its array of benefits.
Travel credits

Some Citi cards offer credits for travel that can help cover your annual fee each year. For example, the Citi Premier^® Card gives you a $100 credit for hotels booked on ThankYou.com each year. Meanwhile, the Citi^® / AAdvantage^® Executive World Elite Mastercard^® includes a $100 credit for Global Entry/TSA PreCheck, among a notable list of benefits.
Lounge access

Travelers visit airport lounges for complimentary snacks, drinks and Wi-Fi while enjoying comfortable seating and other amenities. The Citi^® / AAdvantage^® Executive World Elite Mastercard^® Credit Card gives you complimentary access to Admirals Club lounges when flying on American Airlines or its partners.

Does Citi offer purchase protection or travel insurance?

Many Citi cards once offered purchase and travel protections, but Citi removed these benefits from most cards a few years ago. The Costco Anywhere Visa^® Card by Citi is the exception, offering purchase protection, extended warranty protection and worldwide rental car insurance.

It’s worth looking at a card with travel protections (like the Chase Sapphire Preferred^® Card) if you plan to travel, as these protections can save you money if your trip goes awry. Common travel protections include trip cancellation/interruption protection, trip delay insurance, rental car protection and lost or delayed luggage protection. Purchase protection may include an extended warranty, return protection, price protection or protection against damage, loss or theft.

How do Citi ThankYou points work?

Citi ThankYou is a flexible rewards program where cardholders can earn and redeem points in a variety of ways. Citi ThankYou points are valuable because you can redeem your points a variety of ways for at least 1 cent per point. In addition, when you transfer points to airline and hotel partners, you may be able to get an even higher value.

You can redeem points for cash back, statement credits, travel and more by logging into your account at Citi.com or ThankYou.com. The value of your Citi ThankYou points varies depending on how you redeem them — this chart highlights the value you’ll receive through multiple options.

Value of 10,000 Citi ThankYou points

Travel through Citi: $100
Transfer to Citi travel partners: Possibly more than $100
Charitable contributions: $100
Cash back or statement credit: $100
Gift cards: $100
Pay with points on Amazon: $80

Citi ThankYou cards

Not all Citi credit cards earn ThankYou points. These five cards earn ThankYou points as a welcome bonus and on purchases. Since you can combine points from multiple cards, you should consider signing up for multiple Citi cards to maximize your earnings on different categories.

Citi travel partners

You can transfer Citi ThankYou points to airline and hotel partners by linking your loyalty accounts to your Citi account. Generally, points transfer on a 1:1 basis, though this ratio may vary by program or which card you have. Most cards, like the Citi Double Cash^® Card and the Citi Rewards+^® Card, only let you transfer points to a few partners. However, the Citi Premier^® Card includes all of Citi’s travel partners.

Sometimes, Citi may offer limited-time transfer bonuses to select transfer partners. For example, there’s a 15% transfer bonus to Cathay Pacific through July 22, 2023.

Citi’s travel partners are mostly international brands. Even though Citi issues co-branded airline credit cards for American Airlines, it doesn’t have a major U.S. airline as a transfer partner. Instead, the U.S. brands that you may be familiar with are JetBlue, Choice Privileges and Wyndham Rewards.

This list highlights Citi’s transfer partners and the ratio when converting points.


AeroMexico: 1,000:1,000 Cathay Pacific Asia Miles: 1,000:1,000 (limited time promo thru July 22, 2023: 1,000:1,150) Avianca: 1,000:1,000 Emirates: 1,000:1,000 Etihad: 1,000:1,000 EVA Air: 1,000:1,000 Flying Blue (Air France/KLM): 1,000:1,000 JetBlue: 1,000:1,000 or 1,000:800 (depends on card) Qantas: 1,000:1,000	Qatar Airways: 1,000:1,000 Singapore Airlines: 1,000:1,000 Thai Airways: 1,000:1,000 Turkish Airlines: 1,000:1,000 Virgin Atlantic: 1,000:1,000 ALL - Accore Live Limitless: 1,000:500 Choice Privileges: 1,000:1,500 or 1,000:2,000 (depends on card) Wyndham Rewards: 1,000:1,000 or 1,000:800 (depends on card) Shop Your Way: 1:10

How to get a Citi credit card

If you’re interested in a Citi credit card, here’s how to apply and increase your odds of approval.

Get your credit score. Some credit cards require higher credit scores in order to approve an application. Many banks, apps and websites offer free credit scores that give you an indication of your credit health.
Improve your credit. If your credit score is too low, take steps to improve your credit. Pay down your debt, make on-time payments and avoid unnecessary inquiries.
Boost your income. Having a higher income generally increases your ability to repay debt and provides extra money to pay down your balances. Many people have side hustles to earn extra income in their spare time.
Review credit card options. Go to Citi.com and compare credit card options based on rewards, welcome bonus, benefits, annual fees, interest rates and other features. Seek out cards that match your credit profile to minimize the odds that Citi will decline you.
Apply for a credit card. Once you’ve selected a Citi credit card, apply for the card by providing your personal information. If you already have a Citi online profile, logging in saves time by prepopulating your information into the Citi credit card application.
Earn your welcome bonus. If your chosen card offers a welcome bonus, make sure that you spend enough on the card within the allotted time to earn the bonus. A welcome bonus offers a quick way to earn valuable rewards.

Citi preapproval

You may be hesitant to apply for a new credit card out of fear of being declined. One way to improve your approval odds is to check the Citi prescreen page. If Citi has its tool up and running, you’ll get a list of prequalified cards.

This will result in a soft inquiry on your credit, with no impact to your credit score (unless you accept an offer and complete your Citi credit card application). In most cases, Citi will immediately approve you for a card once you apply. However, some applications require more in-depth review, and Citi will mail you a decision at a later date.

While prequalification doesn’t guarantee approval, it highlights the cards with the best chances of approval.

Frequently asked questions

Yes, some Citi credit cards have foreign transaction fees. For many Citi cards, you’ll have to pay a 3% fee for purchases made outside the U.S. However, some travel credit cards (like the Citi Premier^® Card) waive this fee as one of their benefits.

When you apply online, in a branch or over the phone, you may be approved immediately. Once approved, it’ll generally take around seven to 10 business days to receive your new card.

Yes, you can use all Citi credit cards internationally wherever Visa and Mastercard are accepted. When making international purchases, use a card that waives foreign transaction fees to avoid paying up to 3% extra on your transaction. The Citi^® / AAdvantage^® Platinum Select^® World Elite Mastercard^® Credit Card is one Citi credit card that waives these fees.

The two Citi credit cards that offer rental car insurance are the Costo Anywhere cards for consumers and business owners. Coverage is secondary for car rentals within the U.S. and primary for international rentals. This benefit covers theft or damage up to $50,000. But, like most credit card car rental policies, it does not cover injuries or damage to other objects.

Citi credit cards generally require good to excellent credit for the best approval odds. For customers with lower credit, Citi offers the Citi^® Secured Mastercard^®, which helps rebuild credit without charging an annual fee.

Citi currently offers both Visa and Mastercard credit cards. Its Costco personal and business cards are Visa, while all of the others are Mastercard.

Yes, you can have two or more Citi credit cards at the same time. The Citi 8/65 application rules limit you to one card every eight days and two within 65 days. Citi may also limit new card applications based on income, existing credit and other factors. Further, some cards limit new cardholder bonuses to once every 48 months.

Citi lets you pool your ThankYou points into one account with cards like the Citi Premier^® Card and the Citi Double Cash^® Card. Owning multiple Citi cards and combining their rewards is a good way to maximize your earnings on different spending categories.

Methodology: How we chose the best Citi credit cards

To select the best Citi credit card, our credit card experts compared the leading credit cards offered on Citi’s site and LendingTree.com, including cash back cards, 0% intro APR cards, balance transfer cards, travel cards and more. Although we primarily focused on Citi-branded cards, we also considered Citi co-branded credit cards.

We then chose our top picks based on a variety of factors, including rewards programs, annual fees and intro APR offers. We also looked at the benefits offered by each card, like purchase protection, travel insurance and complimentary lounge access.

Lee Huffman

Lee Huffman is a personal finance expert who writes at BaldThoughts.com.

The above offers and/or promotions may have since changed, expired, or is no longer available. Check the Issuers’ website for more details.

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