Credit Cards (US)

Best Citi credit cards: Top 6 options!

Are you looking for a Citi credit card but don't know which is the best? If so, read our list of the best Citi credit cards!

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

Find the best Citi credit cards to choose from!

What are the best Citi credit cards? Source: Adobe Stock.
What are the best Citi credit cards? Source: Adobe Stock.

If you’re looking for a credit card, chances are the best Citi credit cards are your top choice. The company offers various cards to fit any need, and it’s easy to find the perfect one for you!

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Best travel credit cards

Learn the best travel credit cards available and choose the one that fits your traveler profile and budget. Enjoy all the benefits and perks.

In this post, we’ll explain what to look for in a Citi credit card and highlight some of our favorite options. We’ll also show you how to use your card effectively so you can get the most out of it.

So, let’s get started! Read on to see our list of the best Citi credit cards!

Learn about the best Citi credit cards: 6 options!

Check out our recommendations for best Citi Cards! Source: Adobe Stock.
Check out our recommendations for best Citi Cards! Source: Adobe Stock.

There are many different Citi credit cards to choose from, and it can be difficult to decide which is the best for you.

And we’ll help you learn about each card and how to use them for your benefit. We’ll highlight some of the best cards available and explain why they might be a good choice for you.

So, whether you’re looking for a card that gives you cash back or one that lets you travel, we have just what you need! Read our list below to learn more!

Citi Custom Cash℠ Card

With this Citi credit card, you can earn 5% cash back on your highest earning spending category. You’ll get this each billing cycle up to $500. And after you reach the cap, you’ll get 1% cash back!

Moreover, you can even earn an incredible welcome bonus. You’ll earn $200 cash back after spending $1,500 on purchases in your first six months using your card!

Plus, you can even get access to automatic account alerts to know if someone may have used your card without your permission. So, to learn more, read our table below!

Credit ScoreGood – Excellent.
Annual FeeNo annual fee.
Regular APR*0% Intro APR for 15 months on purchases and balance transfers. After that:
Purchases APR: 18.24% – 28.24% (Variable);
Balance Transfer APR: 18.24% – 28.24% (Variable);
Cash Advance APR: 29.49% (Variable).
Welcome Bonus*Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening.

*Terms apply
Rewards*Earn 5% cash back on your highest eligible spend category each billing cycle up to $500; then 1% cash back thereafter on all other purchases.
Unlimited 1% cash back on all other purchases.

*Terms apply
Citi Custom Cash℠ Card

How to apply for the Citi Custom Cash℠ credit card

Earning money while spending it is a benefit that some credit cards can offer you. That’s how the Citi Custom Cash℠ Card works. Check how to apply for it now!

Citi® Diamond Preferred® Card

The Citi® Diamond Preferred® Credit Card stands out for its long APR promotional period. With this card, you’ll get a 0% Intro APR for 21 months on balance transfers from the date of your first transfers. Citi also provides as 12 month of 0% APR on purchases from account opening. After that period ends, a variable 16.74% – 27.49% applies.

Moreover, you’ll access 24/8 customer service to help with anything you need regarding your credit card. Also, you’ll be able to choose your payment due date and there’s no annual fee.

Credit ScoreGood – Excellent.
Annual Fee$0
Regular APR*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. Balance transfers must be completed within 4 months of account opening. After that period:

Purchases APR: 17.24% – 27.99% (Variable);
Balance Transfer APR: 17.24% – 27.99% (Variable);
Cash Advance APR: 29.49% (Variable).
Welcome BonusFor a limited time, earn a $150 Statement Credit after you spend $500 on purchases in the first 3 months of account opening.
RewardsN/A.
Citi® Diamond Preferred® card

How to apply for the Citi® Diamond Preferred® Card

Learn all about the Citi® Diamond Preferred® Card application process in our post and apply for this no annual fee card!

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Citi Simplicity® Card

With the Citi Simplicity® Credit Card, you can get almost the same APR benefits as the previous one in this list. However, the difference is that there are no late fees or penalty APR attached to this card.

So, you’ll get access to account alerts to know if there has been fraud on your card. Also, you’ll be able to choose your payment due date. So, check out the table below to learn even more about this card!

Credit ScoreGood – Excellent.
Annual Fee$0.
Regular APR*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:

Ongoing Purchases APR: 18.24% – 28.99% (Variable);
Ongoing Balance Transfer APR: 18.24% – 28.99% (Variable);
Ongoing Cash Advance APR: 29.49% (Variable).
Welcome BonusN/A.
RewardsN/A.
Citi Simplicity® Card

How to apply for the Citi Simplicity® Card?

Are you looking for a card to help you save money with intro APRs? If so, read our post to learn how to apply for the Citi Simplicity® Card!

Citi® Double Cash Card

This Citi Card allows you to earn 2% cash back on purchases. 1% when you buy and 1% as you pay for your purchases. There are no restrictions or spending caps on cash back rewards. Plus, you can easily redeem them direct deposit, statement credit and more.

The Citi® Double Cash Card also provides an extensive introductory period on balance transfers and other benefits such as Citi Entertainment®, Fraud Protection and $0 Fraud Liability.

Credit ScoreGood – Excellent.
Annual Fee$0.
Regular APR*
0% intro APR on Balance Transfers for 18 months. After that period:
Purchases APR: 18.24% – 28.24% (Variable);
Balance Transfer APR: 18.24% – 28.24% (Variable);
Cash Advance APR: 29.49% (Variable).
Welcome Bonus*No current offer.
Rewards*Earn unlimited 1% cash back on purchases. Plus, another 1% cash back as you pay for those very purchases.

*Terms apply.
Citi® Double Cash card

How to apply for the Citi® Double Cash credit card

The Citi® Double Cash credit card rewards you when you buy the things you need and when you pay for them in time. Great, right? So, check out how to apply for it today!

Citi Premier® Credit Card

This is one of the best Citi Cards for its intro offer alone. Currently, you can earn 80,000 bonus points after spending $4,000 within the first three months from account opening. That amounts to $800 which you can redeem in gift cards.

Moreover, the card offers a modest annual fee of $95, no foreign transaction fees and a fantastic rewards rate on restaurants, gas stations and more.

Credit ScoreGood – Excellent.
Annual Fee$95.
Regular APR*Ongoing Purchases APR: 20.24% – 28.24% (Variable);
Ongoing Balance Transfer APR: 20.24% – 28.24% (Variable);
Ongoing Cash Advance APR: 29.49% (Variable).

*Terms apply.
Welcome Bonus*Limited offer of 80,000 points after you spend $4,000 in purchases within your first 3 months using the card.

*Terms apply.
Rewards*Earn 3 ThankYou® Points per $1 spent at Restaurants and Supermarkets
Earn 3 ThankYou® Points per $1 spent at Gas Stations, Air Travel and Hotels;
Earn 1 ThankYou® Point per $1 spent on all other purchases.

*Terms apply.
Citi Premier® Card

How do you get the Citi Premier® Credit Card?

Would you like to get great bonuses for daily purchases and also get travel rewards? Then you should know how to get the Citi Premier® Credit Card! Learn here!

Citi Rewards+® Card

The Citi Rewards+® Card has it all. It offers a fantastic welcome bonus for new cardholders, paired with an extensive 0% APR period on purchases and balance transfers and 2x points on things people spend the most, like supermarkets and gas stations.

Best of all? There’s no annual fee. You can also count on additional benefits such as Citi Entertainment®, 24/7 customer service and the convenience of digital wallets.

Credit ScoreGood – Excellent.
Annual FeeNo annual fee.
Regular APR*0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that period:

Purchases APR: 17.74% – 27.74% (Variable);
Balance Transfer APR: 17.74% – 27.74% (Variable);
Cash Advance APR: 29.49% (Variable).
Welcome Bonus*Earn 20,000 welcome bonus points after you spend $1,500 in your first three months from account opening. Redeemable for $200 in gift cards at thankyou.com
Rewards*The Citi Rewards+® Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap.
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
Citi Rewards+® card

How to apply for the Citi Rewards+® Card?

Read our Citi Rewards+® card application post to know how to apply and get the best out of this card's perks and benefits!

Understanding the Citi ThankYou® Rewards program

Learn how Citi's ThankYou® Rewards program works. Source: Adobe Stock.
Learn how Citi’s ThankYou® Rewards program works. Source: Adobe Stock.

As you can see, Citi has some of the best credit cards out there. and their rewards program is outstanding.

In the following content, you can read a full review of the Citi ThankYou® Rewards program. check how to earn and redeem your points and what benefits you’ll get by using this rewards program.

Citi ThankYou® Rewards review

Citi ThankYou® Rewards program full review

Our Citi ThankYou® Rewards review sheds some light on what this reward program has to offer. Come and see for yourself what to expect from this versatile program.

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

About the author  /  Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by  /  Aline Barbosa

Senior Editor

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