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 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.

The $0 annual fee card offers a 0% intro APR for 15 months on purchases, after which a 18.99% - 28.99% (variable) APR applies. There’s also a 0% intro APR for 15 months on balance transfers, then a 18.99% - 28.99% (variable) APR applies. The balance transfer fee is 5% of each balance transfer; $5 minimum.
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Pros:

• 5% on your top eligible spending category each month
• 5% category includes gas, restaurants and groceries
• Bonus is automatically applied to your highest category of spend each month
• Large sign-up bonus
• No annual fee
• Long intro APR on purchases and balance transfers

Cons:

• 5% category capped at $500 in monthly purchases
• You can only earn 5% back in one category
• The rest of your purchases only earn 1% cash back
• Foreign transaction fee

The Citi Custom Cash℠ Card provides a unique opportunity to earn a high cash back 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.

• 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 18.99% - 28.99%, 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.

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 18.99% - 28.99% (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.

Pros:

• Earns up to 2% cash back
• No annual fee
• Long intro APR on balance transfers

Cons:

• No sign-up bonus
• You need to pay off your purchases to earn full 2% cash back
• High balance transfer fee
• Foreign transaction fee

If you want a simple approach to earning cash back 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.

• 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.
• Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.99% - 28.99%, 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 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 17.99% - 28.74% (variable).

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

Pros:

• Intro APR on purchases and balance transfers
• No annual fee

Cons:

• High balance transfer fee
• No rewards program
• Limited additional benefits compared to other cards
• Foreign transaction fees

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 17.99% - 28.74% (variable) applies.

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

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

• 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 17.99% - 28.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
• There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
• Get free access to your FICO® Score online.
• With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.

The Citi Premier^® Card lets you 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.

It also offers a valuable sign-up bonus: Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening.

However, this card does have a $95 annual fee. On the plus side, it has a 0% foreign exchange fee.

The Citi Premier^® Card doesn’t offer an intro APR for purchases or balance transfers. Its purchase APR is 20.99% - 28.99%(Variable) and its balance transfer APR is 20.99% - 28.99%(Variable).

Pros:

• Generous sign-up bonus
• High rewards rate on restaurants, supermarkets and a variety of travel purchases
• Transfer points to 10+ travel loyalty programs
• No foreign transaction fees

Cons:

• Annual fee
• No travel or purchase protections
• Limited travel perks outside its rewards

The Citi Premier^® Card is best for those looking for a flexible travel credit card with valuable rewards.

Many of Citi’s transfer partners are international airlines, so this card is likely best for international travelers in particular.

You can earn elevated rewards on everyday purchases like restaurants, supermarkets, gas stations, air travel and hotels. This card earns Citi ThankYou points, which also makes it a good choice if you have another card earning these flexible points. You could redeem them for travel, cash back, statement credits and more.

If you’re looking for a card that offers more travel perks like lounge access or travel insurance, the Chase Sapphire Reserve^® might be a better option.

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

• 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 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 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.

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 20.24% (variable).

Pros:

• Generous cash back on gas, restaurants, travel and Costco
• No annual fee with Costco membership
• No foreign transaction fee

Cons:

• Requires Costco membership
• No sign-up bonus
• Cash back rewards are redeemable only once per year
• Limited redemption options

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 cash back 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.

• 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 Citi Simplicity^® Card doesn’t offer any rewards. Instead, it’s a $0 annual fee card that has a generous intro APR period for balance transfers and charges no late fees or penalty rates.

Its intro APR is 0% for 21 months on Balance Transfers. After that, the APR goes to a 18.99% - 29.74% (Variable) APR.

It also has an intro APR of 0% for 12 months on Purchases. After that, it goes to a 18.99% - 29.74% (Variable) APR.

This card has no sign-up bonus and a foreign transaction fee of 3% of each purchase transaction after its conversion into U.S. dollars.

Pros:

• Intro APR on purchases and balance transfers
• No annual fee
• No late fees or penalty APR

Cons:

• No rewards program
• Limited additional benefits compared to other cards
• Foreign transaction fees

The Citi Simplicity^® Card is best for people looking for more time to pay off a big purchase or know they may not be able to pay off a full balance in time.

Making late payments can affect your credit score. That will still happen with the Citi Simplicity^® Card, but since there are no late fees, you may be able to save some money in the long run.

This card isn’t best for people looking to earn rewards, since it offers none.

• 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 18.99% - 29.74%, 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 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 26.74% (variable).

Pros:

• Easier to qualify for
• Helps build or rebuild credit with responsible use
• No annual fee

Cons:

• Requires a security deposit
• Limited credit line initially
• Higher APR compared to unsecured cards
• Foreign transaction fee

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.

• 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 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 spending $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 20.99% - 29.99%(variable).

Pros:

• Large sign-up bonus
• Earn bonus miles gas, restaurants and American Airlines purchases
• Free checked bags and priority boarding on American Airlines flights
• $125 American Airlines flight discount each year you spend $20,000
• No foreign transaction fees

Cons:

• Annual fee
• Miles are limited to American Airlines and its partners

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. Cardmembers 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.

• 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