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

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:

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	749	Equifax	$7,000
Approved	05/12/2021	690	Equifax	$6,100
Approved	07/25/2022	690	Not Provided	$2,400
Approved	08/26/2022	772	Equifax	$5,000
Approved	04/26/2020	752	Equifax	$13,800
Denied	09/02/2014	710	Experian	---
Denied	06/16/2017	752	Experian	---
Denied	09/06/2020	777	Equifax	---
Denied	06/13/2021	630	Equifax	---
Denied	04/06/2016	607	Equifax	---
Denied	09/17/2015	737	Experian	---

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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:

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	724	Experian	$7,800
Approved	06/10/2021	728	Equifax	$7,800
Approved	12/30/2022	792	Experian	$11,600
Approved	02/06/2023	748	Experian	$3,800
Approved	12/23/2021	670	Not Provided	$500
Approved	06/10/2021	792	Experian	$8,000
Approved	06/10/2021	813	TransUnion	$6,500
Approved	08/05/2022	770	Equifax	$6,800
Approved	11/27/2022	720	Not Provided	$8,000
Approved	06/12/2021	809	Experian	$11,600
Approved	06/10/2021	809	Equifax	$6,500
Approved	06/10/2021	783	TransUnion	$3,400
Approved	06/27/2022	837	Experian	$3,500
Approved	06/14/2021	714	Experian	$3,500
Approved	06/13/2021	759	Experian	---
Approved	07/16/2022	739	Equifax	$6,900
Denied	08/24/2022	723	Equifax	---
Denied	06/10/2021	810	Equifax	---

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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.

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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:

Signup Bonus: N/A

0% Intro APR: None

Annual Fee: $0

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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:  

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

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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% intro APR for 21 months on Balance Transfers. 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% 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	764	Equifax	$2,800
Approved	10/15/2022	721	Not Provided	$7,600
Approved	01/09/2017	725	Equifax	$6,200
Approved	11/18/2022	787	Not Provided	$9,000
Approved	05/20/2018	710	Not Provided	$7,400
Approved	01/11/2023	720	Equifax	$8,900
Approved	02/15/2023	734	Experian	$1,000
Approved	07/01/2020	799	Equifax	$9,800
Denied	04/04/2021	698	Equifax	---

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Citi Simplicity^® Card

The Citi Simplicity^® Card is nearly identical to the Citi Diamond card. It offers a 0% intro APR for 21 months on Balance Transfer 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% 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	690	Equifax	$1,500
Approved	12/31/2018	713	Experian	$1,500
Approved	12/31/2018	719	TransUnion	$1,500
Approved	01/17/2023	709	Equifax	$4,000
Approved	01/27/2019	650	Experian	$5,000
Approved	01/27/2019	660	TransUnion	$5,000
Approved	01/27/2019	720	Equifax	$5,000
Approved	11/07/2021	760	Equifax	$14,600
Approved	12/11/2022	834	TransUnion	$14,800
Approved	02/09/2023	734	Experian	$10,000

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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:  

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	710	Equifax	$2,600
Approved	07/21/2019	725	TransUnion	$1,000
Approved	09/27/2019	751	Experian	$10,300
Approved	09/27/2019	770	Equifax	$10,300
Approved	05/15/2019	781	Experian	$9,500
Approved	05/15/2019	785	Equifax	$9,500
Approved	01/10/2019	770	Experian	$21,200
Approved	02/23/2023	744	Experian	$7,500
Approved	12/05/2020	770	Experian	$7,100
Approved	05/22/2019	650	TransUnion	$5,600
Approved	05/22/2019	664	Equifax	$5,600

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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:  

 

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	737	Equifax	$13,200
Approved	06/03/2021	784	Experian	$13,200
Approved	06/03/2021	784	TransUnion	$13,200
Approved	04/11/2020	787	Equifax	$8,500
Approved	02/04/2022	750	Equifax	$9,800
Approved	04/07/2022	758	TransUnion	$9,000
Approved	04/07/2022	779	Equifax	$9,000
Approved	04/07/2022	804	Experian	$9,000
Denied	03/08/2022	750	Not Provided	---

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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:

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	830	Experian	$30,500
Approved	04/27/2022	791	Experian	$25,000
Approved	02/06/2023	785	TransUnion	$21,900
Approved	04/16/2022	697	Equifax	$15,800

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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:

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	798	Equifax	$6,200
Approved	10/05/2020	716	Experian	$2,000
Approved	09/28/2021	794	TransUnion	$2,500
Approved	09/28/2021	757	Experian	$2,500
Denied	11/11/2021		Not Provided	---

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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:

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

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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:

Signup Bonus: None

Annual Fee: $0

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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	758	TransUnion	$16,900
Approved	01/02/2020	750	Not Provided	$7,000
Approved	11/21/2020	765	Equifax	$3,000
Approved	03/01/2021	765	Equifax	$11,000
Approved	08/24/2021	779	Equifax	$16,913
Approved	08/24/2021	804	Experian	$16,900
Approved	03/01/2021	759	TransUnion	$11,000
Approved	03/01/2021	771	Experian	$11,000

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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:  

Signup Bonus:  

0% APR Offer: None

Annual Fee: $0 (requires Costco membership)

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FAQs

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.