Citibank offers one of the most diverse selections of credit cards on the market, and the company seemingly offers something for everyone. In addition to their exclusive rewards cards, Citibank’s products include cards with travel perks, benefits for those rebuilding credit, and conveniences for business owners. What it really comes down to is what card is the right one for you and your specific needs. Luckily we’ve narrowed it down considerably.
Here are ten Citibank credit cards that are well worth considering.
1. Citi Simplicity
One of the most hassle free Citibank credit cards that you can get is the Simplicity Card. It comes with no annual fee, no late fees, and a reasonable introductory APR. Whether you plan to use your card only every now and then, or you want to get a card to take your credit from good to excellent, this is a smart choice.
APR: 0% on purchases and balance transfers for the first 21 months, then a variable 13.24% to 23.24%
Best for: Those who use credit cards sparingly and prefer not to pay an annual fee.
2. Citi/AAdvantage Executive World Elite MasterCard
This is the top level of AAdvantage cards that Citi offers, and if you travel often you’ll find that the benefits of having the card are excellent. Not only will you frequently earn bonus miles and get points on all of your purchases, you’ll save 25% on in-flight purchases when you fly American Airlines. Cardholders also receive priority check-in and boarding and a worldwide travel lounge membership.
APR: variable, 15.49%
Best for: Frequent travelers who prefer to fly American Airlines and have excellent credit. The annual fee for this card is $450.
3. Citi Double Cash Card
This is one of the most unique Citibank credit cards because it rewards cash back for purchases, as well as payments made towards purchases. Cardholders receive 1% back in each instance, and the card has no annual fee.
APR: 0% on balance transfers for the first 18 months, then a variable 13.24% to 23.24%
Best for: Anyone with good or excellent credit who wants the maximum cash back possible with their credit card, and would also like to avoid paying an annual fee.
4. Citi ThankYou Preferred Card
There are a number of Citibank credit cards that offer rewards points, and one of the most appealing is the ThankYou Preferred Card. In addition to a low introductory APR, cardholders can earn points towards a number of great rewards. This card also has no annual fee.
APR: variable, 13.24% to 23.24%
Best for: Those with good credit who want a card with a solid rewards program, but don’t want to pay an annual fee.
5. Citi ThankYou Preferred Card for College Students
It can be tough for college students to get approved for most credit cards, which is why Citi offers a card just for students. There’s no annual fee, and you can earn points towards a variety of rewards just by using the card and making your monthly payments on time. This is a good stepping stone before moving on to other Citibank credit cards.
APR: variable, 14.24% to 24.24%
Best for: College students who are looking to establish their credit and are willing to use it responsibly.
6. Citi Prestige Card
This is the most exclusive card offered by Citi, and it comes with a host of perks and rewards, including access to a global concierge. The annual fee is $450, but the card is geared towards those who use credit cards often enough to make the fee well worth the benefits.
APR: variable, 15.49%
Best for: Avid travelers with excellent credit who are frequent credit card users.
7. Citi Diamond Preferred Card
Of all the Citibank credit cards available, many view this as one of the company’s top offerings. It provides access to a concierge 24/7 to help you book flights, make reservations, and secure tickets for events.
APR: 0% on balance transfers and purchases during the first 21 months, then a variable 12.24% to 22.24%
Best for: Those with excellent credit who would like access to a personal concierge. There’s no annual fee, and cardholders get exclusive offers for concert tickets, performances, and sporting events throughout the year.
8. Citi Costco Anywhere Visa for Business
If you’re looking for Citibank credit cards well suited for business owners, consider this one. It offers cash back rewards and is ideal if you often shop at Costco. You’ll receive 4% cash back at gas stations for the first $7,000 that you spend each year, 3% on travel and restaurant purchases, 2% cash back on anything you buy from Costco stores or the company’s website, and 1% back on all other purchases.
APR: 0% on purchases made during the first 7 months, then a variable 15.49%
Best for: Costco members and entrepreneurs who often shop at the discount store for their businesses. There’s no annual fee, and the card is exclusively for those who have joined Costco.
9. Citi Hilton HHonors Visa Signature Card
Citibank credit cards are commonly used by those who like to travel, especially the Hilton HHonors Visa Signature Card. This card awards six points when you make purchases at Hilton properties, three points per dollar spent at gas stations, supermarkets, and drugstores, and one point for each dollar spent on all other purchases. There’s no limit to how many points you can earn, and they don’t expire. Not only can you redeem points for hotel stays and merchandise, but international excursions as well.
APR: variable, 15.49% to 19.49%
Best for: Anyone who frequently travels and prefers staying at Hilton properties and resorts. There’s no annual fee, and after making $1,000 of purchases within four months of signing up, you’ll earn 40,000 bonus Hilton HHonors bonus points.
10. Citi Secured MasterCard
If your credit is poor, you’ll find that you don’t qualify for most Citibank credit cards. This is why the company offers a secured card option. Instead of a traditional credit card where you are given a line of credit with no collateral, the secured card requires a deposit. As you pay off your statements on time your credit will get better, which is when you can move on to a regular unsecured card.
Best for: Those who have poor credit or no credit, but want to rebuilt. There’s no annual fee, and the minimum deposit required for the card is $200. Citibank reports to the three major credit bureaus so your credit can improve over time.