Skip to main content
You are using an outdated browser. Please upgrade your browser to improve your experience.
    • Personal Loans
    • Debt Consolidation
    • Business Loans
    • Student Loans
    • Student Loan Refinance
    • Mortgage Rates
    • Refinance Rates
    • Cash Out Refinance
    • Best Balance Transfer Credit Cards
    • Best Rewards Credit Cards
    • Best Cash Back Credit Cards
    • Auto Loans
    • Auto Refinance
    • Debt Relief
    • Credit Repair
    • Insurance
  • Get your free credit score in minutes!
  • Login Sign Up for Free
  • Call Us 1-800-813-4620

LendingTree
  • Personal Loans
  • Debt Consolidation
  • Business Loans
  • Student Loans
  • Student Loan Refinance
  • Mortgage Rates
  • Refinance Rates
  • Cash Out Refinance
  • Best Balance Transfer Credit Cards
  • Best Rewards Credit Cards
  • Best Cash Back Credit Cards
  • Auto Loans
  • Auto Refinance
  • Debt Relief
  • Credit Repair
  • Insurance

Sign up for Free

Log in

1-800-813-4620

  • Login Login
  • LendingTree
      • Personal Loans
      • Debt Consolidation
      • Business Loans
      • Student Loans
      • Student Loan Refinance
      • Mortgage Rates
      • Refinance Rates
      • Cash Out Refinance
      • Best Balance Transfer Credit Cards
      • Best Rewards Credit Cards
      • Best Cash Back Credit Cards
      • Auto Loans
      • Auto Refinance
      • Debt Relief
      • Credit Repair
      • Insurance
    • Get your free credit score in minutes!
    • Login Sign Up for Free
    • Call Us 1-800-813-4620

Credit CardsBest Credit Cards
How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

| Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products.

| American Express Disclosure

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products.

American Express Disclosure

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

On This Page
  • Our top card pick
  • Compare best Citi credit cards
  • Which Citi card is right for you?
  • FAQs
  • Methodology

Best Citi Credit Cards of 2022

Tracy Brackman
Julie Sherrier

December 23, 2021

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated December 23, 2021 . Terms and conditions may have changed. For the most accurate information, please consult the issuer website.


The Citi Custom Cash℠ Card, from our partner Citi, is our pick for best overall Citi credit card, thanks to its cash back rewards rate, intro APR on purchases and balance transfers and $0 annual fee.

Best Citi Credit Cards of 2022

  • Citi Custom Cash℠ Card
    Best overall Citi credit card
    Citi Custom Cash℠ Card
  • Citi<sup>®</sup> Double Cash Card – 18 month BT offer
    Best flat-rate Citi credit card
    Citi® Double Cash Card – 18 month BT offer
  • Citi<sup>®</sup> Diamond Preferred<sup>®</sup> Card
    Best Citi credit card for balance transfers
    Citi® Diamond Preferred® Card
  • Costco Anywhere Visa<sup>®</sup> Card by Citi
    Best Citi credit card for gas purchases
    Costco Anywhere Visa® Card by Citi
  • Citi<sup>®</sup> Secured Mastercard<sup>®</sup>
    Best Citi credit card for building credit
    Citi® Secured Mastercard®
  • Citi<sup>®</sup> / AAdvantage<sup>®</sup> Platinum Select<sup>®</sup> World Elite Mastercard<sup>®</sup>
    Best Citi credit card for travel
    Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

Citi’s Global Consumer Bank (GCB), which serves more than 110 million clients, is the world’s largest credit card issuer. Citi currently offers a variety of branded and co-branded credit card products, including cashback cards, 0% intro APR cards, balance transfer cards, travel cards and more.

Many of these cards also offer a number of benefits, like access to 24/7 customer support, Citi Entertainment® and Citi® Identity Theft Solutions.

Based on our research of Citi credit cards available through LendingTree, as well as the top cards offered on Citi’s site, here are our selections for the best Citi credit cards for the following categories:

Best For Overall Citi credit card

Citi Custom Cash℠ Card Advertisement

Citi Custom Cash℠ Card

(0) Reviews
Apply Now
on Citibank's secure site

Citi Custom Cash℠ Card

(0) Reviews
Intro Purchase APR 0% intro APR for 15 months on purchases
Annual Fee $0
Regular Purchase APR 16.24% - 26.24% (Variable)
  • About the card
  • Who's This Card Best For?
  • Card Benefits

With the Citi Custom Cash℠ Card, 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.

Plus, earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

The $0 annual fee card offers a 0% intro APR for 15 months on purchases, after which a 16.24% - 26.24% (variable) APR applies. There’s also a 0% intro APR for 15 months on balance transfers, then a 16.24% - 26.24% (variable) APR applies. The balance transfer fee is 5% of each balance transfer; $5 minimum.

The Citi Custom Cash℠ Card provides a unique opportunity to earn a high cashback rate in the category where you spend the most. These categories include restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs and live entertainment.

If you max out the $500 spend cap each billing cycle, you can earn $300 back on those purchases in a year. Just know that once you max out the spend cap, you will only earn 1% back on all other purchases.

  • Mastercard ID theft protection
  • Free access to your FICO Score
  • Fraud early warning
  • Citi® Quick Lock
  • Access to Citi Entertainment®
  • Ability to choose your payment due date

With the Citi Custom Cash℠ Card, 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.

Plus, earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

The $0 annual fee card offers a 0% intro APR for 15 months on purchases, after which a 16.24% - 26.24% (variable) APR applies. There’s also a 0% intro APR for 15 months on balance transfers, then a 16.24% - 26.24% (variable) APR applies. The balance transfer fee is 5% of each balance transfer; $5 minimum.

The Citi Custom Cash℠ Card provides a unique opportunity to earn a high cashback rate in the category where you spend the most. These categories include restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs and live entertainment.

If you max out the $500 spend cap each billing cycle, you can earn $300 back on those purchases in a year. Just know that once you max out the spend cap, you will only earn 1% back on all other purchases.

  • Mastercard ID theft protection
  • Free access to your FICO Score
  • Fraud early warning
  • Citi® Quick Lock
  • Access to Citi Entertainment®
  • Ability to choose your payment due date

Check out our Citi Custom Cash℠ Card review.

Best For Citi credit card with flat-rate rewards

Citi<sup>®</sup> Double Cash Card – 18 month BT offer Advertisement

Citi® Double Cash Card

(0) Reviews
Apply Now
on Citibank's secure site

Citi® Double Cash Card

(0) Reviews
Intro Purchase APR N/A
Annual Fee $0
Regular Purchase APR 16.24% - 26.24% (Variable)
  • About the card
  • Who's This Card Best For?
  • Card Benefits

Citi® Double Cash Card holders earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

While the Citi® Double Cash Card doesn’t offer an intro APR on purchases, it does come with a lengthy intro APR of 0% for 18 months on balance transfers. After that, an APR of 16.24% - 26.24% (variable) applies. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening.

In addition, the Citi® Double Cash Card charges a $0 annual fee.

If you want a simple approach to earning cashback rewards, the Citi® Double Cash Card is ideal, since there are no spending caps or bonus categories to keep track of. Cash back can be redeemed for statement credits, direct deposits or checks, and it can also be converted to points.

  • 24/7 customer service
  • Citi® Identity Theft Solutions
  • The Lost Wallet® Service
  • Citi Entertainment®

Citi® Double Cash Card holders earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

While the Citi® Double Cash Card doesn’t offer an intro APR on purchases, it does come with a lengthy intro APR of 0% for 18 months on balance transfers. After that, an APR of 16.24% - 26.24% (variable) applies. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening.

In addition, the Citi® Double Cash Card charges a $0 annual fee.

If you want a simple approach to earning cashback rewards, the Citi® Double Cash Card is ideal, since there are no spending caps or bonus categories to keep track of. Cash back can be redeemed for statement credits, direct deposits or checks, and it can also be converted to points.

  • 24/7 customer service
  • Citi® Identity Theft Solutions
  • The Lost Wallet® Service
  • Citi Entertainment®

Check out our Citi® Double Cash Card review.

Best For Citi credit card for balance transfers

Citi<sup>®</sup> Diamond Preferred<sup>®</sup> Card Advertisement

Citi® Diamond Preferred® Card

(0) Reviews
Apply Now
on Citibank's secure site

Citi® Diamond Preferred® Card

(0) Reviews
Intro Purchase APR 0% for 12 months on Purchases
Annual Fee $0
Regular Purchase APR 15.99% - 25.99% (Variable)
  • About the card
  • Who's This Card Best For?
  • Card Benefits

The Citi® Diamond Preferred® Card offers one of the longest introductory periods on balance transfers currently available. The card comes with an intro APR of 0% for 21 months on balance transfers. Afterwards, there’s an ongoing balance transfer APR of 15.99% - 25.99% (variable).

A balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.

If you have a large amount of high-interest credit card debt, the Citi® Diamond Preferred® Card may be ideal, since it offers an intro APR on balance transfers for nearly two years.

The no-frills balance transfer credit card also comes with an intro APR of 0% for 12 months on purchases. After that, an APR of 15.99% - 25.99% (variable) applies.

Note that the card is designed for those with excellent/good credit.

The Citi® Diamond Preferred® Card has a $0 annual fee.

  • 24/7 customer service
  • Automatic account alerts
  • Ability to choose your payment due date
  • Citi® Identity Theft Solutions
  • Citi Entertainment®

The Citi® Diamond Preferred® Card offers one of the longest introductory periods on balance transfers currently available. The card comes with an intro APR of 0% for 21 months on balance transfers. Afterwards, there’s an ongoing balance transfer APR of 15.99% - 25.99% (variable).

A balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.

If you have a large amount of high-interest credit card debt, the Citi® Diamond Preferred® Card may be ideal, since it offers an intro APR on balance transfers for nearly two years.

The no-frills balance transfer credit card also comes with an intro APR of 0% for 12 months on purchases. After that, an APR of 15.99% - 25.99% (variable) applies.

Note that the card is designed for those with excellent/good credit.

The Citi® Diamond Preferred® Card has a $0 annual fee.

  • 24/7 customer service
  • Automatic account alerts
  • Ability to choose your payment due date
  • Citi® Identity Theft Solutions
  • Citi Entertainment®

Check out our Citi® Diamond Preferred® Card review.

Best For Citi credit card for gas purchases

Costco Anywhere Visa® Card by Citi

Learn More
Highlights
  • Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
  • 4% cash back on eligible gas 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
  • About the card
  • Who's This Card Best For?
  • Card Benefits

The Costco Anywhere Visa® Card by Citi currently offers one of the highest cash back rates on gas purchases: Cardholders earn 4% cash back on eligible gas 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.

The Costco Anywhere Visa® Card by Citi charges a $0 annual fee; however, a Costco membership — which runs $60 per year for a Gold Star membership and $120 per year for a Gold Star Executive membership — is required.

If you carry a balance on your card from month to month, you’ll be subject to interest charges at an APR of 17.49% (variable).

If you’re a Costco member who spends a significant amount on gas each year, you can come out on top with the Costco Anywhere Visa® Card by Citi. If you max out the card’s $7,000 spend cap on gas, you’ll earn $280 back in a year on those purchases alone.

Note, the gas category includes eligible gas purchases made worldwide — including those made at Costco. However, gas purchased at superstores, supermarkets, convenience stores and warehouse clubs other than Costco, as well as fuel used for non-automobile purposes, does not qualify for the bonus cashback rate.

You should also know that rewards can only be redeemed for merchandise or cash back at Costco warehouses located in the U.S., including Puerto Rico. In addition, rewards are distributed just one time per year (after your February billing cycle) and must be redeemed by Dec. 31 of the year in which they are issued.

  • Damage and theft purchase protection
  • Citi Entertainment®
  • Convenience of digital wallets
  • Contactless pay

The Costco Anywhere Visa® Card by Citi currently offers one of the highest cash back rates on gas purchases: Cardholders earn 4% cash back on eligible gas 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.

The Costco Anywhere Visa® Card by Citi charges a $0 annual fee; however, a Costco membership — which runs $60 per year for a Gold Star membership and $120 per year for a Gold Star Executive membership — is required.

If you carry a balance on your card from month to month, you’ll be subject to interest charges at an APR of 17.49% (variable).

If you’re a Costco member who spends a significant amount on gas each year, you can come out on top with the Costco Anywhere Visa® Card by Citi. If you max out the card’s $7,000 spend cap on gas, you’ll earn $280 back in a year on those purchases alone.

Note, the gas category includes eligible gas purchases made worldwide — including those made at Costco. However, gas purchased at superstores, supermarkets, convenience stores and warehouse clubs other than Costco, as well as fuel used for non-automobile purposes, does not qualify for the bonus cashback rate.

You should also know that rewards can only be redeemed for merchandise or cash back at Costco warehouses located in the U.S., including Puerto Rico. In addition, rewards are distributed just one time per year (after your February billing cycle) and must be redeemed by Dec. 31 of the year in which they are issued.

  • Damage and theft purchase protection
  • Citi Entertainment®
  • Convenience of digital wallets
  • Contactless pay
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.

Best For Citi credit card for building credit

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

Citi® Secured Mastercard®

(0) Reviews
Apply Now
on Citibank's secure site

Citi® Secured Mastercard®

(0) Reviews
Intro Purchase APR N/A
Annual Fee $0
Regular Purchase APR 24.74% (Variable)
  • About the card
  • Who's This Card Best For?
  • Card Benefits

The Citi® Secured Mastercard® is a secured card — this means it requires a refundable security deposit, which will serve as your line of credit. If approved, the security deposit will range from $200 to $2,500.

The Citi® Secured Mastercard® does not offer a rewards program, but it does come with a $0 annual fee. The APR is 24.74% (variable).

The Citi® Secured Mastercard® is designed for individuals with limited looking to boost their credit profile. Because the card reports your credit activity to the three major credit bureaus (Experian, TransUnion and Equifax), it can help you build your credit score with responsible card usage. This includes paying your bill on time each month and staying well below your credit limit.

In addition, Citi® Secured Mastercard® holders receive free access to their FICO Score online.

  • Automatic account alerts
  • Ability to choose your payment due date
  • Citi® Identity Theft Solutions
  • 24/7 customer service

The Citi® Secured Mastercard® is a secured card — this means it requires a refundable security deposit, which will serve as your line of credit. If approved, the security deposit will range from $200 to $2,500.

The Citi® Secured Mastercard® does not offer a rewards program, but it does come with a $0 annual fee. The APR is 24.74% (variable).

The Citi® Secured Mastercard® is designed for individuals with limited looking to boost their credit profile. Because the card reports your credit activity to the three major credit bureaus (Experian, TransUnion and Equifax), it can help you build your credit score with responsible card usage. This includes paying your bill on time each month and staying well below your credit limit.

In addition, Citi® Secured Mastercard® holders receive free access to their FICO Score online.

  • Automatic account alerts
  • Ability to choose your payment due date
  • Citi® Identity Theft Solutions
  • 24/7 customer service

Check out our Citi® Secured Mastercard® review.

Best For Citi credit card for travel

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

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

(0) Reviews
Apply Now
on Citibank's secure site

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

(0) Reviews
Intro Purchase APR N/A
Annual Fee $99, waived for first 12 months
Regular Purchase APR 18.24% - 27.24% (Variable)
  • About the card
  • Who's This Card Best For?
  • Card Benefits

The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® lets cardholders earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases. Plus, earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening.

AAdvantage miles can be redeemed for flights on American Airlines, American Eagle or any oneworld airline or partner airline, as well as upgrades on flights with American Airlines, British Airways and Iberia. Miles can also be redeemed for car rentals, hotel stays, activities and tours.

Notably, the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® charges an annual fee of $99, waived for first 12 months and has an ongoing APR of 18.24% - 27.24% (variable).

The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is a good option if you want to earn a generous amount of rewards to use toward future travel, as well as gain access to a variety of American Airlines benefits.

In addition to a generous sign-up bonus and accelerated rewards rate on gas station and restaurant purchases, this card offers airline benefits, such as the first checked bag free for you and up to four travel companions on domestic American Airlines itineraries. Card members also receive preferred boarding, 25% savings on in-flight food and beverage purchases on American Airlines flights and a $125 American Airlines flight discount after you spend $20,000 on purchases during your card membership year and renew your card.

The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® also charges 0% foreign transaction fees.

  • First checked bag free on domestic American Airlines itineraries
  • Preferred boarding on American Airlines flights
  • 25% savings on in-flight food and beverages purchases with American Airlines
  • 0% foreign transaction fees

The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® lets cardholders earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases. Plus, earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening.

AAdvantage miles can be redeemed for flights on American Airlines, American Eagle or any oneworld airline or partner airline, as well as upgrades on flights with American Airlines, British Airways and Iberia. Miles can also be redeemed for car rentals, hotel stays, activities and tours.

Notably, the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® charges an annual fee of $99, waived for first 12 months and has an ongoing APR of 18.24% - 27.24% (variable).

The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is a good option if you want to earn a generous amount of rewards to use toward future travel, as well as gain access to a variety of American Airlines benefits.

In addition to a generous sign-up bonus and accelerated rewards rate on gas station and restaurant purchases, this card offers airline benefits, such as the first checked bag free for you and up to four travel companions on domestic American Airlines itineraries. Card members also receive preferred boarding, 25% savings on in-flight food and beverage purchases on American Airlines flights and a $125 American Airlines flight discount after you spend $20,000 on purchases during your card membership year and renew your card.

The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® also charges 0% foreign transaction fees.

  • First checked bag free on domestic American Airlines itineraries
  • Preferred boarding on American Airlines flights
  • 25% savings on in-flight food and beverages purchases with American Airlines
  • 0% foreign transaction fees

Check out our Citi® / AAdvantage® Platinum Select® World Elite Mastercard® review.

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

Credit cardBest forRewards rateAnnual fee
Citi Custom Cash℠ CardOverall Citi credit cardEarn 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
Citi® Double Cash Card – 18 month BT offerFlat-rate cash back rewardsEarn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.$0
Citi® Diamond Preferred® CardBalance transfersN/A$0
Costco Anywhere Visa® Card by CitiGas purchases4% cash back on eligible gas 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
Citi® Secured Mastercard®Building creditNon-rewards card$0
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®TravelEarn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases$99, waived for first 12 months

Which Citi credit card is right for you?

When deciding which Citi credit card is the right for you, you should first determine how you plan to use the card.

For example, if you want a card with a simple rewards structure, the Citi® Double Cash Card – 18 month BT offer cash may be the best fit, since it offers a flat cashback rate on every purchase. Or, if you have a large amount of high interest credit card debt that you want to transfer, the Citi® Diamond Preferred® Card may be a better choice, since it comes with an intro APR on balance transfers for close to two years.

Best Citi credit cards FAQs

Cashback credit cards provide cashback rewards for the purchases you make, instead of points or miles. Cash back can typically be redeemed for statement credits, checks and gift cards.

A balance transfer credit card lets cardholders transfer a balance from another credit card. Depending on the balance transfer card, you may be able to receive a 0% intro APR for a year or longer when you transfer your balance. Once the intro APR period ends, the card’s regular APR will apply to any unpaid portion of the balance.

Balance transfer cards often charge balance transfer fees — which are typically 3% to 5% of the amount of each transfer.

A secured card requires you to submit a security deposit, which typically serves as your line of credit; this will protect the issuer in the event you don’t pay off what you charge to the card. The deposit is generally refundable if you pay off your card balance in full and close the account, or if the issuer transitions you to an unsecured card.

Methodology

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 cashback 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.

Tracy Brackman

  • Expertise: Credit cards, credit scoring, personal finance
  • Education: Ohio State University, Florida International University

 


Tracy Brackman is a senior editor and credit card expert at LendingTree, where she writes and edits educational pieces on credit card-related topics and personal finance using her 12+ years of experience in the field.

Before joining LendingTree in 2019, Tracy worked as a products editor for CreditCards.com, where she developed the credit card products section and created content focused on breaking credit card news.

Prior to that, she worked as a product information manager for Bankrate, where she managed the financial and credit card product details and maintained compliance for two affiliate networks, as well as Bankrate-owned and operated sites.

She began working in the credit card space in 2009 as the editorial department manager for FlexOffers, an affiliate marketing company.

Tracy studied marketing at the Ohio State University and Florida International University.

Read More

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

Recommended Articles

Best Chase Credit Cards for 2022 Best Credit Cards for Shopping Online, Streaming Services and Food Delivery of 2022

Footer Navigation

About Us

  • About LendingTree
  • Blog
  • Careers
  • Contact Us
  • Investors
  • Partner with Us
  • Press Room
  • Widgets

Legal Information

  • Overview
  • Privacy
  • Online Tracking
  • Security
  • Advertising Disclosures
  • Terms of Use
  • Licenses & Disclosures
  • Unsubscribe
  • Vulnerability Disclosure Policy
  • Accessibility Statement

Other Sites

  • CompareCards
  • DepositAccounts
  • MagnifyMoney
  • Ovation Credit
  • QuoteWizard
  • SimpleTuition
  • SnapCap
  • Student Loan Hero
  • ValuePenguin

Follow Us

Download Our App

  • Apple App Store
  • Google Play
LendingTree, LLC is a Marketing Lead Generator and is a Duly Licensed Mortgage Broker, as required by law, with its main office located at 1415 Vantage Park Drive, Suite 700, Charlotte, NC 28203, Telephone Number 866-501-2397 (TDD/TTY). NMLS Unique Identifier #1136. LendingTree, LLC is known as LT Technologies in lieu of true name LendingTree, LLC in NY. LendingTree technology and processes are patented under U.S. Patent Nos. 6,385,594 and 6,611,816 and licensed under U.S. Patent Nos. 5,995,947 and 5,758,328. © 2016 LendingTree, LLC. All Rights Reserved. This site is directed at, and made available to, persons in the continental U.S., Alaska and Hawaii only.

Online Security: Protect Against Fraud

Equal Housing Opportunity Better Business Bureau Comodo Secure