Citicards are a popular choice of credit cards, and they are issued by our partner Citibank (C), one of the Big Four banks in the US. Citi cards has a core collection of cards to suit your needs, whether you are looking for a Visa or MasterCard with rewards, 0% APRs on balance transfers and purchases, or low long-term APRs. Compared to cards from Chase, Bank of America and Wells Fargo, Citicards are my preferred choice for balance transfer cards.
Here is a list of our best rated Citicards. You need good to excellent credit score for these cards (except for the student card).
The Citi® Double Cash Card stands out by rewarding you with cash back twice. You earn 1% cash back on all eligible purchases, and 1% cash back when paying off your card balance. You will need to make at least the minimum required payment to get this cash back. Your cash back can be redeemed for gift cards, checks, or statement credit. No need to enroll in cash back categories and no limit to the amount of cash back you can earn. You get a 0% intro APR on purchases and balance transfers for 15 months. After that, there is a 12.99% - 22.99% variable APR for purchases and balance transfers based on your credit score.
Citi Simplicity® Card. This is one of our best rated Citi cards, and it's designed for people who want to do a 0% balance transfer to cut any existing card debt. It comes with 0% intro APR on purchases and balance transfers for 21 months, and after that, you will have a 12.99% - 22.99% variable APR on purchases and balance transfers, depending on your creditworthiness. To help you save more money, you will get discounts when you use this Citi Simplicity® Card to pay for purchases at their Extra Cash online shopping site. This card also comes with additional perks such as giving you free extended warranty and retail purchase protection.
Citi® Diamond Preferred® Card. I consider this card to be a useful balance transfer card from Citi, as it has a 0% intro APR on purchases and balance transfers for 21 months. After that, 11.99% - 21.99% variable APR based upon your creditworthiness. This Citi® Diamond Preferred® Card also comes with a round-the-clock concierge service that you can call if you need someone to help you make reservations. With Private Pass, you get special access to interesting experiences and events.
Citi ThankYou® Preferred Card Earn 20,000 Bonus Points. This new rewards card from Citi gives you 20,000 points (worth $200 in gift cards) when you spend $1,500 within the first 3 months. It also lets you earn 2 points for every dollar spent on entertainment and dining purchases, and 1 point for each dollar you spend on other purchases with your card. Redeem your points for a wide range of rewards through Citi's ThankYou program.
Citi® / AAdvantage® Platinum Select® MasterCard®. This airline credit card is the official American Airlines credit card, and it lets you earn 30,000 American Airlines AAdvantage® bonus miles after you spend $1,000 on purchases in the first 3 months. After redeeming your AAdvantage® miles, you will receive 10% back, up to 10,000 AAdvantage® miles per calendar year. Earn double AAdvantage® miles per dollar spent on eligible American Airlines and US Airways purchases, and 1 AAdvantage® mile per dollar spent on other purchases. Its $95 annual fee is waived for the first 12 months.
Citi ThankYou® Preferred Card for College Students - Earn 2,500 Bonus Points. This student rewards credit card lets you earn 2,500 bonus ThankYou points when you spend $500 on this card within the first 3 months of card membership. You will also enjoy 0% intro APR on purchases for the first 7 months, and 13.99% - 23.99% variable APR thereafter. Earn 2 points for each dollar you spend dining at restaurants and on entertainment, and 1 point for each dollar you spend on other purchases. You'll also benefit from Chip Technology that will help you feel at ease when traveling since your card will be accepted worldwide. No annual fee.
The Citi® Hilton HHonors Reserve Card gives users 10 HHonors Bonus Points for each $1 spent on hotel stays within the Hilton Portfolio, and 5 HHonors Bonus Points for each $1 spent on car rentals and airline purchases. Earn 3 HHonors Bonus Points per $1 spent on all your other purchases! You can earn 2 weekend night certificates for select resorts and hotels that are part of the Hilton portfolio after spending just $2,500 on eligible purchases within the first 4 months of account opening. Earn 1 weekend night certificate as an anniversary bonus each year if you spend $10,000 or more on eligible purchases during the account year. $95 annual fee. You will benefit from no foreign transaction fees on purchases.
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