Best Citi Credit Cards for October 2022

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Citibank is known for its low-interest and no annual fee credit cards, which include a variety of consumer and business credit cards with benefits and tools. 

Citi does offer one premium travel card, and its robust rewards program helps the bank compete with other leading rewards issuers like American Express and Chase. Many Citi cards also offer introductory 0% interest and everyday rewards categories. But you won’t find a lot of added benefits: Citi eliminated valuable travel and purchase protections from many of its cards starting in 2019.

Whether you’re seeking simple cash back rewards, or looking to score a great introductory offer, here are NextAdvisor’s picks for the top Citi credit cards.

Before You Start

Before opening any new credit card, it’s important to make sure you have existing healthy credit habits like paying your full balance on time each month. Any new credit card can lead to high interest debt if you’re not careful, so make sure you pay off existing high interest debt before applying.

Best Citi Credit Cards

Good for Flexible Rewards Citi® Double Cash Card
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Citi® Double Cash Card
Editor’s Score: (4.9/5)
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Good for Flexible Rewards Citi® Double Cash Card
Editor’s Score: (4.9/5)
  • Intro offer:
    $200 Cash Back
  • Annual fee:
    $0
  • Regular APR:
    16.99% – 26.99% (Variable)
  • Recommended credit score:
    670-850 (Good to Excellent)
Rewards rate:

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

NextAdvisor’s Take

Pros
  • Great limited time welcome offer
  • Flat cash back on every purchase
  • 18-month 0% intro APR for balance transfers (16.99% to 26.99% variable APR thereafter)
  • No annual fee
Cons
  • 3% balance transfer fee ($5 minimum) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5)
  • Delayed cash back rewards if you carry a balance
The Bottom Line
The Citi Double Cash Card has a straightforward rewards structure that gets you up to 2% back on everything — which is great if you’re looking to maximize savings on every purchase you make. It also shines as a debt management tool, with an 18-month 0% intro rate for balance transfers (16.99% to 26.99% variable APR thereafter). And for a limited time, you can benefit from the great welcome offer of $200 after spending $1,500 within the first six months.

Additional Card Details

  • Extra incentive to pay down your balance in full: You’ll earn only 1% cash back when you make a purchase, and the other 1% when you pay it off
  • 18-month 0% intro period on balance transfers, 16.99% to 26.99% variable APR thereafter
  • Redeem cash back for statement credits, direct deposit, check, or convert cash back value to Citi ThankYou points
  • Balance transfers must be completed within 4 months of account opening and a 3% ($5 minimum) fee applies, After that, your fee will be 5% of each transfer (minimum $5)
Good for 0% Interest Citi Simplicity® Card
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Citi Simplicity® Card
Editor’s Score: (4.0/5)
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Good for 0% Interest Citi Simplicity® Card
Editor’s Score: (4.0/5)
  • Introductory balance transfer rate:
    0% for 21 months on Balance Transfers
  • Annual fee:
    $0
  • Regular APR:
    17.74% – 27.74% (Variable)
  • Recommended credit score:
    670-850 (Good to Excellent)

NextAdvisor’s Take

Pros
  • 0% Intro APR for 21 months for balance transfers and 12 months for purchases (then variable APR 16.99% to 26.99%)
  • No annual fee
  • No late payment fees or penalty APR
Cons
  • No rewards
  • No welcome offer
  • 5% balance transfer fee ($5 minimum)
The Bottom Line
The Citi Simplicity Card has one of the longest 0% introductory periods available for balance transfers, at 21 months from the date of your first transfer. For purchases, cardholders can benefit from 12 months of 0% interest, making this a great card option for consolidating debt or financing planned major expenses (16.99% – 26.99% variable APR thereafter).

Additional Card Details

  • Balance transfers must be completed within 4 months of account opening
  • Includes Citi Identity Theft Solutions protection
  • Choose your payment due date
  • Digital wallet compatible
Good for Earning Rewards on Everyday Purchases Citi Rewards+® Card
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Citi Rewards+® Card
Editor’s Score: (3.7/5)
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Good for Earning Rewards on Everyday Purchases Citi Rewards+® Card
Editor’s Score: (3.7/5)
  • Intro offer:
    20,000 points
  • Annual fee:
    $0
  • Regular APR:
    16.49% – 26.49% (Variable)
  • Recommended credit score:
    670-850 (Good to Excellent)
Rewards rate:

For a limited time, earn 5 ThankYou® Points per $1 spent at restaurants up to $6,000 in the first 12 months and 1 ThankYou® Point per $1 spent thereafter. Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Earn 1X ThankYou® Points on All Other Purchases.

NextAdvisor’s Take

Pros
  • Round up feature helps you earn more points over time
  • Long 0% intro APR
  • No annual fee
  • Ongoing 10% points boost on your first 100,000 redeemed each year
Cons
  • Spending cap for bonus categories
  • Other no annual fee cards may offer higher rewards earn in similar categories
  • Minimal cardholder benefits
The Bottom Line
The Citi Rewards+ Card offers a modest 2x points on up to $6,000 spent at supermarkets and gas stations each year (then 1x points) and 1x points on other purchases. But its most valuable benefit is the automatic round-up on each purchase. Rewards round to the nearest 10 points regardless of how much you spend. This means a $3 coffee will net you 10 points, and a $23 dinner with friends would yield 30 points.

Additional Card Details

  • Automatically round up to the nearest 10 points on every purchase
  • 10% points back bonus on up to the first 100,000 points you redeem each year
  • 0% APR on balance transfers for 15 months from date of transfer and purchases from date of account opening (variable 15.74% – 25.74% APR thereafter)
  • Citi Entertainment access
Good for Introductory Bonus Citi Premier® Card
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Citi Premier® Card
Editor’s Score: (3.6/5)
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Good for Introductory Bonus Citi Premier® Card
Editor’s Score: (3.6/5)
  • Intro offer:
    80,000 points
  • Annual fee:
    $95
  • Regular APR:
    18.99% – 26.99% (Variable)
  • Recommended credit score:
    670-850 (Good to Excellent)
Rewards rate:

Earn 3 Points per $1 spent at Restaurants and Supermarkets. Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels. Earn 1 Point per $1 spent on all other purchases

NextAdvisor’s Take

Pros
  • Rewards on travel and everyday purchases
  • Annual hotel credit
  • No foreign transaction fees
Cons
  • High ongoing APR and no introductory period
  • Limited additional benefits and few travel protections

Additional Card Details

  • $100 Annual Hotel Savings Benefit toward a single stay booked through Citi of $500 or more
  • Ticket presales and exclusive events through Citi Entertainment
  • Redeem your points for statement credits, cash, online purchases with Citi partners, gift cards, travel booking, travel partners, and more
Good for Premium Travel Perks Citi Prestige® Credit Card
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Citi Prestige® Credit Card
Editor’s Score: (3.5/5)
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Good for Premium Travel Perks Citi Prestige® Credit Card
Editor’s Score: (3.5/5)
  • Intro offer:
    50,000 points
  • Annual fee:
    $495
  • Regular APR:
    16.99% – 23.99% variable APR based on your creditworthiness*
  • Recommended credit score:
    740-850 (Excellent)
Rewards rate:

Earn 5 points per $1 on Air travel. Earn 5 points per $1 on Restaurants. Earn 3 points per $1 on Hotels. Earn 3 points per $1 on Cruise Lines. Earn 1 point per $1 on all other purchases.

Good for American Airlines Travelers Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
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Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
Editor’s Score: (3.65/5)
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Good for American Airlines Travelers Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
Editor’s Score: (3.65/5)
  • Intro offer:
    50,000 miles
  • Annual fee:
    $99, waived for first 12 months
  • Regular APR:
    18.99% – 27.99% (Variable)
  • Recommended credit score:
    670-850 (Good to Excellent)
Rewards rate:

Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants. Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases.

Best Citi Credit Cards of January 2022 Summary

Citi Double Cash Card

Good For: Flexible Rewards

Get up to 2% cash back on everything you purchase — 1% when you swipe, and 1% when you pay it off. 

Citi Simplicity Card

Good For: 0% Interest

Begin paying down a lingering balance or pay off a new purchase over a longer period of time with this card’s introductory 21-month 0% intro APR on balance transfers and 12 months on purchases (16.24% – 26.24% variable APR thereafter). Balance transfers must be completed within 4 months of account opening.

Citi Rewards+ Card

Good For: Earning Rewards on Everyday Purchases

Get 2x points at supermarkets and gas stations on the first $6,000 spent per year (then 1x points), and 1x points on all other purchases. Rewards you earn on each purchase are rounded up to the nearest 10-point value. You’ll earn ThankYou points, a flexible rewards currency that you can redeem in a number of different ways and get 10% points back on your first 100,000 points redeemed each year.

Citi Premier Card

Good For: Introductory Bonus

Earn 80,000 bonus points after you spend $4,000 in purchases within the first 3 months of account opening — (worth $800 in gift cards). And the intro bonus is only the beginning. You’ll also get 3x points at restaurants, supermarkets, gas stations, air travel and hotels, and 1x points on all other purchases.

Citi Prestige Card

Good For: Premium Travel Perks 

The Citi Prestige Card can help you seriously up your travel game with access to a ton of exclusive benefits and credits, in addition to 5x points rewards at restaurants and on air travel and 3x points on hotels and cruises. 

Citi AAdvantage Platinum Select World Elite Mastercard

Good For: American Airlines Travelers

If you loyally fly American, you can take down the sticker price of future flights by using the AAdvantage Platinum Select World Elite Mastercard. You’ll earn 2x miles at restaurants and gas stations, 2x miles on eligible American Airlines purchases, and 1x miles on all other purchases, plus flight benefits like first checked bag free and priority boarding. 

CardAnnual FeeIntro Bonus
Citi Double Cash Card$0For a limited time, earn $200 cash back after spending $1,500 on purchases in the first six months of account opening
Citi Simplicity Card$0N/A
Citi Rewards+ Card$020,000 bonus points after spending $1,500 in the first three months from account opening
Citi Premier Card$9580,000 bonus points after you spend $4,000 in purchases within the first 3 months of account opening
Citi Prestige Card$49550,000 points after spending $4,000 within 3 months of account opening
Citi AAdvantage Platinum Select World Elite Mastercard$99, waived for the first 12 months50,000 AAdvantage miles after you make $2,500 in purchases within the first three months of account opening

Citi ThankYou Rewards

ThankYou Rewards is Citi’s rewards program for points-earning cardholders. You can keep track of your ThankYou points through your online Citi portal, and redeem them in a number of ways:

  • Gift cards
  • Travel rewards 
  • Transfer to airline and retail partners
  • At participating online shopping partners
  • Cover recent purchases and bills with statement credits
  • Online bill pay 
  • Share with other ThankYou members
  • Cash in $50 or $100 denominations
  • Statement credits to reduce your Citi card balance
  • Payment toward mortgage 
  • Payment toward student loan
  • Charitable contributions 

If you have multiple Citi cards all earning ThankYou points, you can pool them in the same account to redeem all together. 

Can Citi Pre-Qualify You for a Credit Card?

While you could previously submit information to see if you pre-qualify for a Citi credit card online, Citi is no longer accepting online prequalification applications. 

The best way to ensure your chances of approval before applying is by determining whether your credit score aligns with your card’s recommended score range and maintaining healthy credit habits that can prove your creditworthiness, like making timely payments and keeping your utilization low.

What Credit Score Do You Need for a Citi Credit Card?

Recommended credit scores vary by card, but for many of the cards on our list, you’ll generally need excellent credit (740-850) to qualify.

If you’re looking to build your credit score with a Citi card, the Citi® Secured Mastercard®* is a more accessible option for people with limited or no credit history. 

What Are Citi Easy Deals?

Citi Easy Deals is a program available to select Citi cardholders offering special discounts — from daily deals for certain products, to gift card discounts, or other limited time offers. 

The program is divided into three tiers: Base Tier, Enhanced Tier, and Plus Tier. The Base Tier is limited to local offers in your area. Enhanced Tier requires at least $100 in purchases per year and offers additional access to magazine and gift card savings. You must spend $500 annually to reach Plus Tier, which adds access to Daily Deals and additional travel savings.

Cards that qualify include Citi Simplicity Card, Citi® Diamond Preferred® Card*, and AT&T Access Card from Citi*. Easy Deals can help you save on eligible purchases with these cards, which otherwise offer no or limited rewards.

Methodology

EDITORIAL INDEPENDENCE

As with all of our credit card reviews, our analysis is not influenced by any partnerships or advertising relationships.

Citi offers a variety of cards that serve a wide range of user needs. To determine our picks for the best Citi credit cards, we evaluate all of the Citi credit cards currently available, focusing on cards most helpful to a broad selection of credit card users. We determine our final picks based on how well the card fulfills its stated purpose, plus card details like rewards value, benefits, interest rate, and introductory offer.

*All information about the Citi Prestige Card and AT&T Access Card from Citi has been collected independently by NextAdvisor and has not been reviewed by the issuer.