Please ensure Javascript is enabled for purposes of website accessibility

This device is too small

If you're on a Galaxy Fold, consider unfolding your phone or viewing it in full screen to best optimize your experience.

Skip to main content
Advertiser Disclosure Many of the offers that appear on this site are from companies from which The Motley Fool receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear), but our reviews and ratings are not influenced by compensation. We do not include all companies or all offers available in the marketplace.
    |    Accessibility Options

Best Citi Credit Cards of September 2024

Review Updated
Lyle Daly
Robin Hartill, CFP
By: Lyle Daly
Lyle Daly
Lyle Daly
Writer

Lyle Daly is a personal finance writer who specializes in credit cards, travel rewards programs, and banking. He writes for The Ascent and The Motley Fool, and his work has appeared in USA Today and Yahoo! Finance. He was born in California but currently lives as a digital nomad with a home base in Colombia.

See Full Bio

 and  Robin Hartill, CFP
Robin Hartill, CFP
Robin Hartill, CFP
Writer

Robin Hartill, CFP®, is The Ascent’s Head of Product Ratings and has worked for The Motley Fool since 2020. Her work has appeared in various national publications, including Yahoo! Finance, NerdWallet, Investopedia, CNN Underscored, MSNBC, USA Today, and CNET Money. She previously wrote The Penny Hoarder’s syndicated “Dear Penny” personal finance advice column. She is based in St. Petersburg, Florida.

See Full Bio

Our Credit Cards Experts

Nathan Alderman
Check IconFact Checked Nathan Alderman
Nathan Alderman
Nathan Alderman
Fact checker

Nathan Alderman has worked with The Motley Fool since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As The Ascent's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.

See Full Bio

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

Citi, an advertising partner with The Ascent, offers a wide selection of quality credit cards. Whether you're looking for cash back, flexible travel points, or a way to avoid interest and other credit card fees, there's a Citi card that fits the bill.

  • Our team of experts reviewed over 260 credit cards
  • We evaluate all credit cards across the same 4 key criteria: value, welcome experience, fees, and perks
  • Our credit card ratings are never influenced by our advertising partners
  • If we wouldn't recommend an offer to a close family member, we won't recommend it to you

Robin Hartill, CFP®, is The Ascent’s Head of Product Ratings and has worked for The Motley Fool since 2020. Her work has appeared in various national publications, including Yahoo! Finance, NerdWallet, Investopedia, CNN Underscored, MSNBC, USA Today, and CNET Money. She previously wrote The Penny Hoarder’s syndicated “Dear Penny” personal finance advice column.

Best Citi credit cards at a glance

Ratings Methodology

Citi® Diamond Preferred® Card

Great for: Low interest

Apply Now for Citi® Diamond Preferred® Card

On Citi's Secure Website.

Rates & Fees External Link Icon

Citi® Diamond Preferred® Card
Rating image, 4.25 out of 5 stars.
4.25/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.25 out of 5 stars.
4.25/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Citi® Diamond Preferred® Card

On Citi's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: 0%, 12 months

Balance Transfers: 0%, 21 months

Regular APR

18.24% - 28.99% (Variable)

Rewards

N/A

Annual Fee

$0

Welcome Offer

N/A

  • This card sets itself apart with an incredible 21-month 0% intro APR offer on qualifying balance transfers and no annual fee, making it a top pick for anyone looking for ample time to pay off credit card debt. Plus, you can choose from any available payment date. That way, you can set up automatic payments that are aligned with your paycheck. Read Full Review

    • Great intro APR
    • No annual fee
    • Free credit score monitoring
    • No rewards
    • Foreign transaction fee
    • High balance transfer 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 18.24% - 28.99%, 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.
    • No Annual Fee - our low intro rates and all the benefits don’t come with a yearly charge.

Citi Double Cash® Card

Great for: Cash rewards

Apply Now for Citi Double Cash® Card

On Citi's Secure Website.

Rates & Fees External Link Icon

Citi Double Cash® Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Fair to Excellent (580-850)
Apply Now for Citi Double Cash® Card

On Citi's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Fair to Excellent (580-850)

Intro APR Circle with letter I in it. N/A

Purchases: N/A

Balance Transfers: 0%, 18 months

Regular APR

19.24% - 29.24% (Variable)

Rewards Circle with letter I in it. 2% cash back: 1% when you buy plus 1% as you pay

2% cash back

Annual Fee

$0

Welcome Offer Circle with letter I in it. 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.

$200

  • This card combines a top-notch balance transfer offer for 18 months with best-in-class unlimited 2% cash back on purchases. There's no introductory APR for purchases, so you'll need to pay those off in full every month if you want to avoid interest charges. Read Full Review

    • High cash back
    • 0% intro APR balance transfer offer
    • No annual fee
    • Free credit score monitoring
    • Foreign transaction fee
    • No 0% intro APR on 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).

Citi Strata Premier℠ Card

Great for: Travel, restaurants, and groceries

Apply Now for Citi Strata Premier℠ Card

On Citi's Secure Website.

Rates & Fees External Link Icon

Citi Strata Premier℠ Card
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Citi Strata Premier℠ Card

On Citi's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

21.24% - 29.24% (Variable)

Rewards Circle with letter I in it. 10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com. Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases. Earn 3 Points per $1 spent on Restaurants. Earn 3 Points per $1 spent on Supermarkets. Earn 3 Points per $1 spent on Gas and EV Charging Stations. Earn 1 Point per $1 spent on All Other Purchases.

1x - 10x points

Annual Fee

$95

Welcome Offer Circle with letter I in it. Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com.

70,000 ThankYou® Points

  • Citi Strata Premier offers a unique combination of bonus categories we don't see on many travel cards. It earns 3X points on travel and everyday-type categories, including supermarkets and gas/EV charging. You can also earn a welcome bonus worth $700. That combination of rewards is an excellent value for a relatively low annual fee. Plus, if you run into any problems on a trip, its complimentary travel protections (including coverage for trip delays, trip cancellations and interruptions, and lost/damaged luggage) could save the day. Read Full Review

    • Big sign-up bonus
    • Annual hotel savings offer
    • Travel and dining rewards
    • Grocery and gas rewards
    • Flexible travel rewards points
    • Travel insurance protections
    • Annual fee
    • Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
    • Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
    • Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
    • Earn 1 Point per $1 spent on all other purchases
    • $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
    • No expiration and no limit to the amount of points you can earn with this card
    • No Foreign Transaction Fees on purchases
Award Icon 2024 Award Winner

Citi Simplicity® Card

Great for: Balance transfers

Apply Now for Citi Simplicity® Card

On Citi's Secure Website.

Rates & Fees External Link Icon

Citi Simplicity® Card
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Citi Simplicity® Card

On Citi's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: 0%, 12 months

Balance Transfers: 0%, 21 months

Regular APR

19.24% - 29.99% (Variable)

Rewards

N/A

Annual Fee

$0

Welcome Offer Circle with letter I in it. 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).

Long intro balance transfer APR

  • This is one of our favorite cards for balance transfers. It has 0% intro APR for 21 months on balance transfers and a discounted balance transfer fee for the first four months. That combo makes it one of the most generous balance transfer offers we’ve seen. Plus, you can choose from any available payment date. That way, you can set up automatic payments that are aligned with your paycheck. Read Full Review

    • Great intro APR
    • No annual fee
    • No late fees
    • No penalty APR
    • Choose your own payment date
    • No rewards
    • Foreign transaction fee
    • 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 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).
    • Stay protected with Citi® Quick Lock.

Citi Custom Cash® Card

Great for: Customizing your cash back

Apply Now for Citi Custom Cash® Card

On Citi's Secure Website.

Rates & Fees External Link Icon

Citi Custom Cash® Card
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Citi Custom Cash® Card

On Citi's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular APR

19.24% - 29.24% (Variable)

Rewards Circle with letter I in it. 5% cash back in your top eligible spend category each billing cycle (up to the first $500 spent), 1% cash back on other purchases. Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.

1% - 5% cash back

Annual Fee

$0

Welcome Offer Circle with letter I in it. 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.

20,000 ThankYou® Points

  • We love this card’s easy-to-use yet lucrative cash back program. Each billing cycle, cardholders earn 5% cash back in their top spend category (up to $500 spent in eligible categories). Eligible categories include grocery stores, restaurants, gas stations, select travel and more. The card automatically adjusts to your spending habits, which makes it easy to maximize your rewards. Read Full Review

    • Cash back rewards
    • Sign-up bonus
    • No annual fee
    • 0% intro APR offer
    • Bonus cash back limits
    • Foreign transaction fee
    • 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.

      Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
    • 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.

Costco Anywhere Visa® Card by Citi

Great for: Costco members

Apply Now for Costco Anywhere Visa® Card by Citi

On Citi's Secure Website.

Rates & Fees External Link Icon

Costco Anywhere Visa® Card by Citi
Rating image, 3.50 out of 5 stars.
3.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 3.50 out of 5 stars.
3.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Excellent (740-850)
Apply Now for Costco Anywhere Visa® Card by Citi

On Citi's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Excellent (740-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.49% (Variable)

Rewards Circle with letter I in it. 4% back on gas and EV charging ($7,000 annual spending cap), 3% back on restaurants and travel, 2% back on Costco purchases, 1% back on other purchases

1% - 4% back

Annual Fee

$0 for Costco members

Welcome Offer

N/A

  • Hard to beat for Costco shoppers with the lucrative rewards program and no annual fee for members. The cash back rates on gas and EV charging are among the highest you'll find. Read Full Review

    • Gas and EV charging cash back
    • Costco cash back
    • Travel and dining cash back
    • Purchase protections
    • No foreign transaction fee
    • No sign-up bonus
    • No intro APR offer
    • Clunky cash back redemptions
    • 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

Costco Anywhere Visa® Business Card by Citi

Great for: Costco members

Apply Now for Costco Anywhere Visa® Business Card by Citi

On Citi's Secure Website.

Rates & Fees External Link Icon

Costco Anywhere Visa® Business Card by Citi
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Excellent (740-850)
Apply Now for Costco Anywhere Visa® Business Card by Citi

On Citi's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Excellent (740-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.49% (Variable)

Rewards Circle with letter I in it. 4% back on gas and EV charging ($7,000 annual spending cap), 3% back on restaurants and travel, 2% back on Costco purchases, 1% back on other purchases

1% - 4% back

Annual Fee

$0 for Costco members

Welcome Offer

N/A

  • The gas and EV charging cash back, alone, makes this a winner. The premium cash back for restaurants, travel, and Costco purchases make it hard to beat, even more so for Costco members. Read Full Review

    • Gas and EV charging cash back
    • Costco cash back
    • Travel and dining cash back
    • Purchase protections
    • No foreign transaction fee
    • No sign-up bonus
    • No 0% intro APR offer
    • Difficult cash back redemptions
    • Discover the only business credit card 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
    • Whether you're traveling for business or pleasure, 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

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

Great for: American Airlines travel

Read Review
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Read Review
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

21.24% - 29.99% (Variable)

Rewards Circle with letter I in it. 2 AAdvantage® miles for every $1 spent at gas stations, restaurants, and on eligible American Airlines purchases, 1 mile per dollar on other purchases

1x - 2x miles

Annual Fee

$99, waived for first 12 months

Welcome Offer Circle with letter I in it. For a limited time, earn 75,000 American Airlines AAdvantage® bonus miles after spending $3,500 in purchases within the first 4 months of account opening.

75,000 miles

  • The rewards program makes this a compelling card to carry with OK earning opportunities beyond just American Airlines purchases.

    • Big sign-up bonus
    • Free checked bag
    • Preferred boarding
    • Earn a flight discount certificate
    • Annual fee
    • Lackluster rewards rate
    • For a limited time, earn 75,000 American Airlines AAdvantage® bonus miles after spending $3,500 in purchases within the first 4 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
    • 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
Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is unavailable on The Ascent. All information was collected independently from the issuer. Some items may be out of date.

Which Citi credit card is best for you?

To pick a Citi card, start by pinpointing your No. 1 need in a credit card. Citi has cards that offer travel rewards, cash back, 0% intro APRs, as well as cards for building credit. By deciding which type of card you want, you narrow down your options.

Here are a few common situations and the right type of card for each one:

  • For easy-to-understand rewards, go with one of the Citi cash back cards.
  • If you like to travel, the Citi Strata Premier℠ Card is an excellent choice, or you could get one of its cobranded American Airlines cards.
  • To save on big purchases you can't pay in full, open a Citi card that has a 0% intro APR on purchases.
  • For getting out of credit card debt, check out Citi's balance transfer cards.
  • If you're working on your credit score, the Citi® Secured Mastercard® has the most flexible approval requirements.

Need help deciding between two or more cards? Use The Ascent's tool to compare credit cards for a side-by-side look at all the important features.

What credit score do you need for a Citi credit card?

Citi has credit cards available for every credit score, so there's no set score needed for a Citi card. If you're rebuilding credit, the Citi® Secured Mastercard® is the card issuer's most accessible option.

Some of the best Citi credit cards, in particular its rewards credit cards, are aimed at consumers with credit scores of 700 or higher. There are exceptions, most notably the Citi Double Cash® Card. It's one of the most valuable cash back cards, and you could qualify for it with a credit score below 600.

Learn more about Citi's credit scores specific to its cards:

Citi customer service

Here are the customer service numbers for Citi credit cards:

  • General support for Citi cards: 800-950-5114
  • Support and service for the Costco Anywhere Visa® Card by Citi: 855-378-6467
  • Support and service for the Costco Anywhere Visa® Business Card by Citi: 855-378-6468

Current cardholders can also get support through a live chat option. Automated support is available 24/7 with Citi® Bot. Representatives are available 8 a.m. to 8 p.m. ET, Monday through Friday.

Citi doesn't have the best reputation for customer service. It ranked fifth in the J.D. Power 2024 U.S. Credit Card Satisfaction Study, scoring one point above average. There are also quite a few complaints about Citi's customer service on social media.

Types of Citi credit cards

Citi offers a diverse selection of credit cards. Below, we'll cover the main types of Citi credit cards.

0% intro APR cards

Citi's 0% intro APR cards don't charge you any interest for an introductory period. The intro APR can apply to either:

  • Purchases made on your Citi card
  • Balance transfers from other credit cards
  • Both of the above

This is one of Citi's strong suits, as several of its cards boast lengthy 0% intro APR offers. If you're interested in this type of credit card, make sure you get one with the type of offer you need, or with a 0% intro APR on purchases and balance transfers.

Another financing option Citi offers through its credit cards is Citi Flex Pay. If your card has this type of offer available, you can use it to get a Citi Flex Pay loan with a fixed interest rate.

Cash back cards

A Citi cash back card rewards you with a percentage back on your purchases. Some of Citi's cash back credit cards, including the Citi Double Cash® Card, earn the same rate everywhere. Others, including the Citi Custom Cash® Card, earn higher rates in bonus categories and a lower rate on non-bonus spending.

Citi gives you multiple ways to redeem your cash back. You could apply it to your credit card bill as a statement credit or deposit it to a bank account. Other options include using it to buy gift cards or book travel.

Low-fee cards

Citi's low-fee cards keep the cost of owning a credit card to a minimum. The most common example is no annual fee credit cards. Citi has several no annual fee cards that you could use to avoid fees entirely.

Some low-fee cards are lacking other common credit card fees, as well. For example, the Citi Simplicity® Card doesn't charge an annual fee or late fees.

Compare the best Citi cards

The Picks
Card Rating Great For
Graphic of Citi® Diamond Preferred® Card
Rating image, 4.25 out of 5 stars.
4.25/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Low interest
Graphic of Citi Double Cash® Card
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Cash rewards
Graphic of Citi Strata Premier℠ Card
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Travel, restaurants, and groceries
Award Icon 2024 Award Winner
Graphic of Citi Simplicity® Card
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Balance transfers
Graphic of Citi Custom Cash® Card
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Customizing your cash back
Graphic of Costco Anywhere Visa® Card by Citi
Rating image, 3.50 out of 5 stars.
3.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Costco members
Graphic of Costco Anywhere Visa® Business Card by Citi
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

Costco members
Graphic of Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Great For:

American Airlines travel
Citi® / AAdvantage® Platinum Select® World Elite Mastercard® is unavailable on The Ascent. All information was collected independently from the issuer. Some items may be out of date.

Keep reading about Citi credit cards

Our credit card methodology

At The Motley Fool Ascent, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.

Our highest-rated credit cards have:

  • A rewards rate above 2% (or 2x points or miles) with average spending, or competitive 0% intro APR balance transfer and purchase offers
  • Attainable welcome bonuses that make up for any annual fees
  • Low annual fees or a balance transfer fee of 3%
  • Top perks such as purchase and travel protections, no foreign transaction fees, travel credits, and status upgrades

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.

FAQs

  • The best Citi credit card for most consumers is the Citi Double Cash® Card. It earns a flat rate of up to 2% cash back: 1% when you buy plus 1% as you pay. Since it has a high cash back rate and is easy to use, this card can work well for just about anyone.

    No single credit card is right for everybody, though. To choose the best Citi credit card for you, consider what benefits would be the most valuable. Depending on your lifestyle and financial needs, you might find that another Citi card is the right choice.

  • Citi offers the following types of credit cards:

    • Cash back cards
    • Travel rewards cards
    • 0% intro APR cards
    • Balance transfer cards
    • No annual fee cards
    • Low fee cards
    • Secured credit cards
    • Airline cards
    • Store cards

  • You don't need a specific credit score to get a Citi credit card. Its most accessible card, the Citi® Secured Mastercard®, is available to a wide range of applicants and doesn't have a minimum credit score requirement. Other Citi credit cards have stricter requirements, but they vary depending on the card.

  • Citi ThankYou Points are rewards earned by some Citi cards. You can redeem ThankYou Points for travel, gift cards, cash back, and purchases with select retailers. Points can also be transferred to Citi's partners, including more than a dozen airlines, but only with select Citi ThankYou cards.

  • These are the Citi cards that earn ThankYou Points:

    • Citi Custom Cash® Card
    • Citi Double Cash® Card
    • Citi Strata Premier℠ Card
    • Citi Prestige® Card (no longer accepting applications)
    • Citi Rewards+® Card
    • AT&T Access Card from Citi

    Although all those cards earn ThankYou Points, they don't all offer the same ways to redeem rewards. Only the Citi Strata Premier℠ Card and the Citi Prestige® Card let you transfer points to any of Citi's partners, so points are more useful if you have one of those cards.