Citibank Credit Cards of 2023
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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.
Card | Type of Card | Annual Fee | Signup Bonus |
---|---|---|---|
Citi® Double Cash Card - 18 month BT offer | Cash Back | $0 | Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. |
Citi Custom Cash® Card | Cash 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 Citi | Cash Back | $0 | None |
AT&T Points Plus® Card from Citi | Cash 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® Card | Balance Transfer | $0 | None |
Citi Simplicity® Card | Balance Transfer | $0 | N/A |
Citi Rewards+® Card | Balance 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® Card | Travel Rewards | $95 | Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024. |
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 months | Earn 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 Citi | Business | $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

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:
Signup Bonus: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
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 Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 08/15/2020 | Equifax | ||
Approved | 05/12/2021 | Equifax | ||
Approved | 07/25/2022 | Not Provided | ||
Approved | 08/26/2022 | Equifax | ||
Approved | 04/26/2020 | Equifax | ||
Denied | 09/06/2020 | Equifax | ||
Denied | 06/13/2021 | Equifax |
Citi Custom Cash® Card

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:
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 Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 06/10/2021 | Experian | ||
Approved | 06/10/2021 | Equifax | ||
Approved | 12/30/2022 | Experian | ||
Approved | 02/06/2023 | Experian | ||
Approved | 12/23/2021 | Not Provided | ||
Approved | 06/10/2021 | Experian | ||
Approved | 06/10/2021 | TransUnion | ||
Approved | 08/05/2022 | Equifax | ||
Approved | 11/27/2022 | Not Provided | ||
Approved | 06/12/2021 | Experian | ||
Approved | 06/10/2021 | Equifax | ||
Approved | 06/10/2021 | TransUnion | ||
Approved | 06/27/2022 | Experian | ||
Approved | 06/14/2021 | Experian | ||
Approved | 06/13/2021 | Experian | ||
Approved | 07/16/2022 | Equifax | ||
Denied | 08/24/2022 | Equifax | ||
Denied | 06/10/2021 | Equifax |
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

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:
Signup Bonus: N/A
0% Intro APR: None
Annual Fee: $0
AT&T Points Plus® Card from Citi

Rewards:
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 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% intro APR for 21 months on Balance Transfers 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 Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 06/09/2018 | Equifax | ||
Approved | 10/15/2022 | Not Provided | ||
Approved | 01/09/2017 | Equifax | ||
Approved | 11/18/2022 | Not Provided | ||
Approved | 05/20/2018 | Not Provided | ||
Approved | 01/11/2023 | Equifax | ||
Approved | 02/15/2023 | Experian | ||
Approved | 07/01/2020 | Equifax | ||
Denied | 04/04/2021 | Equifax |
Citi Simplicity® Card

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% intro APR for 21 months on Balance Transfer 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 Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 12/31/2018 | Equifax | ||
Approved | 12/31/2018 | Experian | ||
Approved | 12/31/2018 | TransUnion | ||
Approved | 01/17/2023 | Equifax | ||
Approved | 01/27/2019 | Experian | ||
Approved | 01/27/2019 | TransUnion | ||
Approved | 01/27/2019 | Equifax | ||
Approved | 11/07/2021 | Equifax | ||
Approved | 12/11/2022 | TransUnion | ||
Approved | 02/09/2023 | Experian |
Citi Rewards+® Card

Rewards:
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 Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 08/06/2019 | Equifax | ||
Approved | 07/21/2019 | TransUnion | ||
Approved | 09/27/2019 | Experian | ||
Approved | 09/27/2019 | Equifax | ||
Approved | 05/15/2019 | Experian | ||
Approved | 05/15/2019 | Equifax | ||
Approved | 01/10/2019 | Experian | ||
Approved | 02/23/2023 | Experian | ||
Approved | 12/05/2020 | Experian | ||
Approved | 05/22/2019 | TransUnion | ||
Approved | 05/22/2019 | Equifax |
Citi Travel Rewards Cards
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

Rewards:
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 Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 06/03/2021 | Equifax | ||
Approved | 06/03/2021 | Experian | ||
Approved | 06/03/2021 | TransUnion | ||
Approved | 04/11/2020 | Equifax | ||
Approved | 02/04/2022 | Equifax | ||
Approved | 04/07/2022 | TransUnion | ||
Approved | 04/07/2022 | Equifax | ||
Approved | 04/07/2022 | Experian | ||
Denied | 03/08/2022 | Not Provided |
Citi® / AAdvantage® Executive World Elite Mastercard®

Rewards:
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 Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 10/06/2022 | Experian | ||
Approved | 04/27/2022 | Experian | ||
Approved | 02/06/2023 | TransUnion | ||
Approved | 04/16/2022 | Equifax |
Citi Premier® Card

Rewards:
Signup Bonus: Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
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 Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 07/14/2021 | Equifax | ||
Approved | 10/05/2020 | Experian | ||
Approved | 09/28/2021 | TransUnion | ||
Approved | 09/28/2021 | Experian | ||
Denied | 11/11/2021 | Not Provided |
American Airlines AAdvantage® MileUp®

Rewards:
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®

Rewards:
Signup Bonus: None
Annual Fee: $0
Citi Business Cards
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
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:
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 Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 08/24/2021 | TransUnion | ||
Approved | 01/02/2020 | Not Provided | ||
Approved | 11/21/2020 | Equifax | ||
Approved | 03/01/2021 | Equifax | ||
Approved | 08/24/2021 | Equifax | ||
Approved | 08/24/2021 | Experian | ||
Approved | 03/01/2021 | TransUnion | ||
Approved | 03/01/2021 | Experian |
Costco Anywhere Visa® Business Card By Citi

Rewards:
Signup Bonus:
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.