Citibank Credit Cards of 2024

Citibank offers a wide range of credit cards. Its cards offer some of the best 0% APR, cash back and travel deals available today. In this article, we'll discuss the pros and cons of every credit card Citibank has to offer, from rewards cards to balance transfer cards to business cards.

I've carried Citi credit cards for years. Back in the day I took advantage of Citi's 0% balance transfer cards to get out of debt. Today the Citi Double Cash is in my wallet because it pays 2% cash back–1% on purchases + 1% when you pay for those purchases.

Factoid: Did you know that Citibank was founded in 1812 as the City Bank of New York? Now you do.

CardType of CardAnnual FeeSignup Bonus
Citi® Double Cash Card - 18 month BT offerCash Back$0

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of your Citi Double Cash® card account opening.
Citi Custom Cash® CardCash Back$0

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.
Costco Anywhere Visa® Card by CitiCash Back$0

None
AT&T Points Plus® Card from CitiCash Back$0

Earn a $100 statement credit after you spend $1,000 in the first three months. Plus, earn a $20 statement credit on your AT&T Points Plus Card after you spend $1,000 or more on purchases during a billing cycle, or earn a $10 statement credit after you spend $500–$999.99.
Citi® Diamond Preferred® CardBalance Transfer$0

None
Citi Simplicity® CardBalance Transfer$0

N/A
Citi Rewards+® CardBalance Transfer$0

Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®Travel Rewards$99, waived for first 12 months

Earn 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first 3 months of account opening  
Citi® / AAdvantage® Executive World Elite Mastercard®Travel Rewards$595

 Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening.
Citi Premier® CardTravel Rewards$95

Earn 60,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
American Airlines AAdvantage® MileUp®Travel Rewards$0

Earn 15,000 American Airlines AAdvantage® bonus miles after $500 in purchases within the first 3 months of account opening.
Citi® Secured Mastercard®Secured$0

None
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®Business$99, waived for first 12 monthsEarn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
Costco Anywhere Visa® Business Card By CitiBusiness$0 (requires Costco membership)

None

Citibank Cash Back Credit Cards

Citibank credit cards offers excellent cash back rewards. Here are my favorites.

Citi® Double Cash Card - 18 month BT offer

The Citi® Double Cash Card - 18 month BT offer is one of the best all-around cash back credit cards. It pays 2% cash back on all eligible purchases. You get 1% at the time of purchases and another 1% cash back when you pay charge on the card. If you pay your balance in full each month, you'll get the full 2% right away.

Beyond the cash back, the card also offers a 0% intro APR on balance transfers for 18 months. There is no annual fee, and you get free access to your credit score.

Rewards:

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

  • Signup Bonus: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of your Citi Double Cash® card account opening.
  • 0% Intro APR: 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 Transfer Fee: Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
  • Annual Fee:  $0

Approval Odds:

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.

App StatusDateCredit ScoreBureauCredit Limit
Approved06/20/2023
803
Not Provided
---
Approved07/11/2023
667
Equifax
$3,000
Denied01/10/2023
737
Equifax
---

Citi Custom Cash® Card

The Citi Custom Cash® Card is a relatively new card from Citibank. It's similar to the 5% rotating category cash back cards, but better. It pays 5% cash back on up to $500 in spending per month in one of several eligible categories. Rather than have to pick the category, Citi applies the 5% to whichever eligible category you spent the most.

The result is a 5% cash back card without the headaches and limitations of existing rotating category cards. Keep in mind that the 5% is capped at $500 a month and all other purchases earn 1% cash back.

Beyond the cash back, the card also offers 0% intro APR on balance transfers for 15 months and on purchases for 15 months. The card also offers a signup bonus.

Rewards:

1% cash back
On all other eligible purchases
Earn unlimited 1% cash back on all other purchases.
5% cash back
Select Categories
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.

  • Signup Bonus: 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.
  • 0% Intro APR: 0% Intro APR on balance transfers for 15 months and on purchases for 15 months, then a variable APY of 19.24% - 29.24%, based on your creditworthiness.
  • Balance Transfer Fee: Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
  • Annual Fee: $0

Approval Odds:

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.

App StatusDateCredit ScoreBureauCredit Limit
Approved02/06/2023
748
Experian
$3,800
Approved02/06/2023
759
TransUnion
$3,800
Approved02/06/2023
761
Equifax
$3,800
Approved10/04/2023
784
Experian
$5,300
Approved10/04/2023
801
TransUnion
$5,300
Approved10/04/2023
811
Equifax
$5,300
Approved09/13/2023
800
Not Provided
$11,600
Approved10/24/2023
720
Equifax
$8,000
Approved07/17/2023
790
Equifax
$3,000
Approved01/17/2023
800
TransUnion
$5,300
Denied05/12/2023
800
Not Provided
---

Citi® Double Cash Card - 18 month BT offer + Citi Custom Cash® Card

For those wanting to maximize cash back, a combination of Citi Double Cash and Citi Custom Cash is a good strategy. For example, if we assume a $4,000 monthly spend, the Citi Double Cash alone would generate $80 a month in cash back assuming the card were paid in full ($4,000 x 2% = $80).

If the Citi Custom Cash is used for $500 of spending in an eligible category, however, that spend alone would generate $25 (5% of $500). If the remaining $3,500 were charged to Citi Double Cash, that would generate $70. Combined both cards would produce $95 a month in cash back. That's an 18.75% increase over using the Citi Double Cash card alone.


Costco Anywhere Visa® Card by Citi

The Costco Anywhere Visa® Card by Citi is ideal for Costco fans, but it offers a lot more. You get 4% cash back on eligible gas purchases up to $7,000 in spend per year. The card pays 3% cash back at restaurants and eligible travel, 2% on Costco purchases, and 1% on everything else.

That's the good news. The not so good news is that the card pays out these rewards once a year (around February). You get a certificate that you can use at Costco or exchange for cash. I've carried the card for years primarily as our Costco ID. Because you have to wait a year for the rewards, we rarely use it outside of Costco (we don't even use it at Costco most of the time!). But others might not mind waiting a year for the rewards.

The card doesn't come with a signup bonus, but there is no annual fee and you get free access to your credit score.

Rewards:

1% cash back
On all other eligible purchases
1% cash back on all other purchases.
2% cash back
All eligible purchases
2% cash back on all other purchases from Costco and Costco.com.
3% cash back
Travel
3% cash back on eligible travel purchases.
3% cash back
Dining
3% cash back on restaurants.
4% cash back
Gas
4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter.

  • Signup Bonus: N/A
  • 0% Intro APR: None
  • Annual Fee: $0

AT&T Points Plus® Card from Citi

AT&T Points Plus® Card from Citi gets you a small welcome bonus and ongoing cash back. The rewards aren't rich enough to inspire anyone to switch to AT&T, but if you're already a customer, it gets you a discount on your monthly bill, plus points on groceries and gas. You must be enrolled in both paperless billing and autopay to get the monthly statement credit.

Rewards:  

1x points
On all other eligible purchases
Earn 1x ThankYou® point on all other eligible purchases
2x points
U.S. supermarkets
Earn 2 ThankYou® points for every dollar spend at grocery stores
3x points
Gas
Earn 3x ThankYou® points for every dollar spend at gas stations

  • Signup Bonus: Earn a $100 statement credit after you spend $1,000 in the first three months. Plus, earn a $20 statement credit on your AT&T Points Plus Card after you spend $1,000 or more on purchases during a billing cycle, or earn a $10 statement credit after you spend $500–$999.99.
  • 0% APR Offer: None
  • Annual Fee: $0

Best Citibank Balance Transfer Credit Cards

Citibank offers some of the longest 0% intro APRs available on balance transfers. The one note of caution, however, is the balance transfer fee. While the days of no fee balance transfers are gone for now, Citibank charges as high as 5% on the transfer fee. The industry standard is 3%. Note that there are no fees for using the 0% intro APR for purchases.

The higher balance transfer fee may be worth the cost if the extra 0% period saves you more. It's important, however, to do the math before making a decision. One alternative is the Citi Double Cash card listed above. While the duration of its 0% balance transfer is a bit shorter, its transfer fee is lower.

Citi® Diamond Preferred® Card

The Citi® Diamond Preferred® Card does one thing and does it really well. It offers a 0% 21 months. Less impressive is its 0% intro APR on purchases, which lasts just 12 months on purchases. So if you want 0% on purchases, Citi Custom Cash is a better option. But for a 0% balance transfer card, Citi Diamond is hard to beat.

The card offers no meaningful rewards and no signup bonus. It is a no annual fee card, which again makes it ideal for its primary function–balance transfers.

  • Rewards Rate: N/A
  • Signup Bonus: None
  • 0% Intro APR: 0% 21 months and 12 months on purchases. 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.
  • Balance Transfer Fee: Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
  • Annual Fee: $0

Approval Odds:

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.

App StatusDateCredit ScoreBureauCredit Limit
Approved04/13/2023
777
TransUnion
$13,100
Approved04/13/2023
781
Experian
$13,100
Approved04/21/2023
676
Equifax
$1,000
Approved04/21/2023
709
Experian
$1,000
Approved04/21/2023
715
TransUnion
$1,000
Approved01/11/2023
720
Equifax
$8,900
Approved02/15/2023
734
Experian
$1,000

Citi Simplicity® Card

The Citi Simplicity® Card is nearly identical to the Citi Diamond card. It offers a 0% 21 months on Balance Transfers and 0% intro APR for 12 months on Purchases. And just like Diamond, the card offers no meaningful rewards and no signup bonus. It is a no annual fee card, which again makes it ideal for its primary function–balance transfers.

So what's the difference? Unlike Citi Diamond, this card charges no late fees or penalty rates. That's the good news. In exchange, it does charge a slightly higher regular APR.

  • Rewards Rate: N/A
  • Signup Bonus: N/A
  • 0% Intro APR: 0% 21 months on Balance Transfers and 12 months on Purchases. 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.
  • Balance Transfer Fee: Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min)
  • Annual Fee: $0

Approval Odds:

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.

App StatusDateCredit ScoreBureauCredit Limit
Approved12/31/2018
690
Equifax
$1,500
Approved12/31/2018
713
Experian
$1,500
Approved12/31/2018
719
TransUnion
$1,500
Approved01/17/2023
709
Equifax
$4,000
Approved01/27/2019
650
Experian
$5,000
Approved01/27/2019
660
TransUnion
$5,000
Approved01/27/2019
720
Equifax
$5,000
Approved11/07/2021
760
Equifax
$14,600
Approved12/11/2022
834
TransUnion
$14,800
Approved02/09/2023
734
Experian
$10,000

Citi Rewards+® Card 

Citi Rewards+® Card offers 0% APR on purchases and balance transfers for the first 15 months. is a great card for people who want rewards at supermarkets and gas stations and don't want to pay an annual fee. Until June 30, 2024, you'll earn 5x points per dollar spent on hotels and car rentals (does not include airfare) in addition to the 2x points per dollar you get on gas and at grocery stores. There is a spending cap, though.

Rewards:  

1x points
On all other eligible purchases
Earn 1X ThankYou® Points on All Other Purchases.
2x points
U.S. supermarkets
Earn 2X ThankYou® Points at Supermarkets for the first $6,000 per year and then 1X Points thereafter.
2x points
Gas
Earn 2X ThankYou® Points at Gas Stations for the first $6,000 per year and then 1X Points thereafter.
5x points
Hotels
Earn 5X ThankYou® Points per dollar spent on hotels booked through the Citi Travel portal through June 30, 2024
5x points
Rental Cars
Earn 5X ThankYou® Points per dollar spend on car rentals booked through the Citi Travel portal through June 30, 2024

  • Signup Bonus:  Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
  • 0% APR Offer: Get 0% on purchases and balance transfers for the first 15 months. After that, your rate will be 18.74% - 28.74% variable, depending on creditworthiness.
  • Balance Transfer Fee:  Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
  • Annual Fee:  $0

Approval Odds:

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.

App StatusDateCredit ScoreBureauCredit Limit
Approved08/06/2019
710
Equifax
$2,600
Approved07/21/2019
725
TransUnion
$1,000
Approved09/27/2019
751
Experian
$10,300
Approved09/27/2019
770
Equifax
$10,300
Approved05/15/2019
781
Experian
$9,500
Approved05/15/2019
785
Equifax
$9,500
Approved01/10/2019
770
Experian
$21,200
Approved02/23/2023
744
Experian
$7,500
Approved12/05/2020
770
Experian
$7,100
Approved05/22/2019
650
TransUnion
$5,600
Approved05/22/2019
664
Equifax
$5,600

Citi Travel Rewards Cards

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

Citi® / AAdvantage® Platinum Select® World Elite Mastercard® offers rewards and a nice welcome bonus for those that prefer to fly American Airlines (or its partners). You also get rewards on gas and restaurant purchases, plus a few travel perks, such as a free checked bag and preferred boarding.

Rewards:  

1x miles
On all other eligible purchases
Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases.
2x miles
American Airline Purchases
Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases.
2x miles
Dining
Earn 2 AAdvantage® miles for every $1 spent at restaurants.
2x miles
Gas
Earn 2 AAdvantage® miles for every $1 spent at gas stations.
 

  • Signup Bonus: Earn 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first 3 months of account opening   
  • 0% APR Offer:  None
  • Annual Fee:  $99, waived for first 12 months  
  • Approval Odds:  

    The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.

    App StatusDateCredit ScoreBureauCredit Limit
    Approved02/04/2022
    750
    Equifax
    $9,800
    Approved06/15/2023
    834
    Not Provided
    $12,400
    Approved04/07/2022
    758
    TransUnion
    $9,000
    Approved04/07/2022
    779
    Equifax
    $9,000
    Approved04/07/2022
    804
    Experian
    $9,000
    Denied03/08/2022
    750
    Not Provided
    ---

Citi® / AAdvantage® Executive World Elite Mastercard®

Citi® / AAdvantage® Executive World Elite Mastercard® is a good choice if you want airport lounge access and you prefer American Airlines. It comes with a signup bonus, and you get 2x miles for every dollar spent on American Airlines purchases, 1x miles on all other purchases. One of the better perks is a free checked bag for you and for eight of your friends flying on the same reservation.

Rewards:

1x miles
All eligible purchases
Earn 1 Loyalty Point for every 1 eligible AAdvantage(R) mile earned from purchases.
2x miles
American Airline Purchases
2x miles per dollar spent on American Airlines purchases

  • Signup Bonus:  Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening.
  • 0% APR Offer: None
  • Annual Fee:  $595

Approval Odds:

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.

App StatusDateCredit ScoreBureauCredit Limit
Approved10/06/2022
830
Experian
$30,500
Approved04/27/2022
791
Experian
$25,000
Approved02/06/2023
785
TransUnion
$21,900
Approved04/16/2022
697
Equifax
$15,800

Citi Premier® Card

Citi Premier® Card is an excellent card if you don't mind paying a modest annual fee. You get a solid welcome bonus and generous rewards on some everyday expenses, such as gas, grocery stores, and restaurants. There's also rewards on hotels and air travel, making this a potential everyday driver.

Rewards:

x points
On all other eligible purchases
3x points
U.S. supermarkets
Earn 3X per dollar spent at U.S. supermarkets
3x points
Airfare
Earn 3X per dollar spent on air travel
3x points
Hotels
Earn 3X per dollar spent at hotels
3x points
Dining
Earn 3X per dollar spent at restaurants
3x points
Gas
Earn 3X per dollar spent at gas stations
10x points
Select Categories
Earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on the Citi Travel(SM) portal through June 30, 2024.

  • Signup Bonus: Earn 60,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
  • 0% APR Offer: None
  • Annual Fee: $95

Approval Odds:

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.

App StatusDateCredit ScoreBureauCredit Limit
Approved12/29/2023
814
Equifax
$12,000
Approved12/29/2023
829
Experian
$12,000
Approved12/29/2023
830
TransUnion
$12,000
Approved04/07/2023
804
TransUnion
$3,000
Approved04/07/2023
808
Experian
$3,000
Approved04/07/2023
816
Equifax
$3,000
Approved12/07/2023
791
TransUnion
$11,000
Approved12/07/2023
808
Equifax
$11,000
Approved12/07/2023
808
Experian
$11,000
Approved01/10/2023
803
Experian
$11,000
Approved11/04/2023
722
TransUnion
$7,000

American Airlines AAdvantage® MileUp® 

American Airlines AAdvantage® MileUp® is a travel card with no annual fee and decent rewards if you fly American Airlines. You get a welcome bonus that includes miles and a small statement credit, and you get 2x miles for every dollar spent at grocery stores. There aren't a ton of travel benefits, but then again, there's no annual fee.

Rewards:

1x miles
On all other eligible purchases
Earn 1 AAdvantage® mile for every $1 spent on other purchases.
2x miles
U.S. supermarkets
Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services.
2x miles
American Airline Purchases
Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases.

  • Signup Bonus:  Earn 15,000 American Airlines AAdvantage® bonus miles after $500 in purchases within the first 3 months of account opening.
  • 0% APR Offer: None
  • Annual Fee: $0

Citi Secured Cards

Citi® Secured Mastercard® 

Citi® Secured Mastercard® is Citi's only secured card. If you're looking to build or rebuild your credit, this card can help you do that. You'll need to make a deposit equal to your credit limit, but if you pay on time and use the card responsibly, you can get it refunded. Citi reports to all three credit bureaus, and you can choose your due date. You won't get any rewards or cash back, but it's a decent secured card nonetheless.

  • Rewards: N/A
  • Signup Bonus: None
  • Annual Fee: $0

Citi Business Cards

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

CitiBusiness® / AAdvantage® Platinum Select® Mastercard® is a great card if you fly a lot for work and prefer American Airlines. You get a generous welcome bonus which is probably good for a round-trip flight. For example, we found you could fly from LAX to Seattle at the end of August for 40,000 miles. If you spend $30,000 a year on the card, you get a companion pass as well. However, if airport lounge access is important to you, choose another card because this card does not offer lounge access as a perk.

Rewards:

1x miles
On all other eligible purchases
Earn 1 AAdvantage mile for every $1 spent on all other purchases.
2x miles
Select Categories
Earn 2 AAdvantage miles for every $1 spent at telecommunications merchants, cable and satellite providers.
2x miles
American Airline Purchases
Earn 2 AAdvantage miles for every $1 spent on eligible American Airlines purchases.
2x miles
Rental Cars
Earn 2 AAdvantage miles for every $1 spent at car rental merchants.
2x miles
Gas
Earn 2 AAdvantage miles for every $1 spent at gas stations.

  • Signup Bonus:  Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
  • 0% APR Offer: None
  • Annual Fee:  $99, waived for first 12 months

Approval Odds:

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use a number of factors in their underwriting process, and these factors can change at any time.

App StatusDateCredit ScoreBureauCredit Limit
Approved08/24/2021
758
TransUnion
$16,900
Approved01/02/2020
750
Not Provided
$7,000
Approved11/21/2020
765
Equifax
$3,000
Approved03/01/2021
765
Equifax
$11,000
Approved08/24/2021
779
Equifax
$16,913
Approved08/24/2021
804
Experian
$16,900
Approved03/01/2021
759
TransUnion
$11,000
Approved03/01/2021
771
Experian
$11,000

Costco Anywhere Visa® Business Card By Citi

Costco Anywhere Visa® Business Card By Citi is almost the same as Costco Anywhere Visa® Card by Citi. Both offer the same rewards and interest rates, and both require a membership to Costco. The only difference is that the Business card does not allow balance transfers.

Rewards:  

1% cash back
On all other eligible purchases
Earn unlimited 1% on all other purchases
2% cash back
Select Categories
Earn unlimited 2% on all other purchases from Costco and Costco.com
3% cash back
Travel
Earn 3% cash back on eligible travel, including Costco Travel
3% cash back
Dining
Earn unlimited 3% on restaurants
4% cash back
Gas
Earn 4% on eligible gas and EV charging for the first $7,000 per year and then 1% thereafter.

  • Signup Bonus:  None
  • 0% APR Offer: None
  • Annual Fee: $0 (requires Costco membership)

FAQs

Is Citi the same as Citibank?

Yes. In 2009 Citicorp, Inc. reorganized into two groups, Citicorp and Citi Holdings.

Are Citi credit cards good cards?

Yes and no. They have some of the best cash back and 0% APR cards available on the market today. Its travel cards, however, are not as popular as those offered by the likes of American Express and Chase.

What credit score do you need to get a Citibank credit card?

You need good to excellent credit for most of Citi's credit cards. Generally speaking, you want to aim for a FICO score of 700 or higher, although we have seen some approvals with scores in the upper 600s.

Final Thoughts

I've banked at Citi for more than 30 years. I've carried at least one Citibank credit card for about as long. Overall they offer competitive cards depending on your specific goals. They compete best in the cash back and 0% intro APR markets.