Filter cards by category

#1 for excellent credit
Citi® Diamond Preferred® Card

Excellent

Credit Recommended (740-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

This card doesn't offer cash back, miles, or points

At A Glance

Intro Bonus
No current offer
Annual Fee
$0
Regular APR
14.74% - 24.74% variable
#1 for cash back
Citi® Double Cash Card

Excellent

Credit Recommended (740-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

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

At A Glance

Intro Bonus
No current offer
Annual Fee
$0
Regular APR
13.99% - 23.99% (Variable)
#1 FOR AMERICAN AIRLINES FLYERS
American Airlines AAdvantage MileUp℠ Card

Excellent

Credit Recommended (740-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

2X
Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services
2X
Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
1X
Earn 1 AAdvantage® mile for every $1 spent on other purchases

At A Glance

Intro Bonus
10,000 miles

Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening

Annual Fee
$0
Regular APR
15.99% - 24.99% (Variable)

More Cards from Citi

Citi Rewards+℠ Card

Excellent

Credit Recommended (740-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

2X
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter.
1X
Earn 1X ThankYou® Points on All Other Purchases.

At A Glance

Intro Bonus
15,000 points

Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com

Annual Fee
$0
Regular APR
13.49% - 23.49% (Variable)
Citi® / AAdvantage® Executive World Elite Mastercard®

Excellent

Credit Recommended (740-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

2X
2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
1X
1 AAdvantage® miles for every $1 spent on other purchases

At A Glance

Intro Bonus
50,000 miles

Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening

Annual Fee
$450
Regular APR
15.99% - 24.99% (Variable)
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

Excellent

Credit Recommended (740-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

2X
Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases
2X
Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations.
1X
Earn 1 AAdvantage® mile per $1 spent on other purchases

At A Glance

Intro Bonus
65,000 miles

Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.

Annual Fee
$99, waived for first 12 months
Regular APR
15.99% - 24.99% (Variable)
Costco Anywhere Visa® Card by Citi

Excellent

Credit Recommended (740-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

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

At A Glance

Intro Bonus
No current offer
Annual Fee
$0
Regular APR
15.24% (Variable)
Costco Anywhere Visa® Business Card by Citi

Excellent

Credit Recommended (740-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

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

At A Glance

Intro Bonus
No current offer
Annual Fee
$0
Regular APR
15.24% (Variable)
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

Excellent

Credit Recommended (740-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

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

At A Glance

Intro Bonus
50,000 miles

Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening

Annual Fee
$99, waived for first 12 months
Regular APR
15.99% - 24.99% variable
Citi Premier® Card

Excellent

Credit Recommended (740-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

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

At A Glance

Intro Bonus
60,000 points

Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening

Annual Fee
$95
Regular APR
15.99% - 23.99% variable

More cash back cards from Citi

Costco Anywhere Visa® Card by Citi

Excellent

Credit Recommended (740-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

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

At A Glance

Intro Bonus
No current offer
Annual Fee
$0
Regular APR
15.24% (Variable)
Costco Anywhere Visa® Business Card by Citi

Excellent

Credit Recommended (740-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

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

At A Glance

Intro Bonus
No current offer
Annual Fee
$0
Regular APR
15.24% (Variable)

More travel cards from Citi

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

Excellent

Credit Recommended (740-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

2X
Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases
2X
Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations.
1X
Earn 1 AAdvantage® mile per $1 spent on other purchases

At A Glance

Intro Bonus
65,000 miles

Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.

Annual Fee
$99, waived for first 12 months
Regular APR
15.99% - 24.99% (Variable)
American Airlines AAdvantage MileUp℠ Card

Excellent

Credit Recommended (740-850)

hfyhpf120.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply Now

Rewards Rate

2X
Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services
2X
Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
1X
Earn 1 AAdvantage® mile for every $1 spent on other purchases

At A Glance

Intro Bonus
10,000 miles

Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening

Annual Fee
$0
Regular APR
15.99% - 24.99% (Variable)

Editorial disclosure: All reviews are prepared by hfyhpf120.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank's website for the most current information.


All information about Citi Simplicity® Card, Citi® Secured Mastercard®, and Citi Rewards+SM Student Card have been collected independently by hfyhpf120.com and has not been reviewed by the issuer.

Comparing Citi Credit Card Offers

Citi, one of the nation’s largest and oldest banks, offers much more than credit cards. In addition to rewards, business and credit-building cards, Citi serves as a bank for people seeking mortgages, investing services and more.

Here, we delve into what is Citi and what the bank offers:

  • Citi Easy Deals discounts and, potentially, the founded in 1812 as City Bank of New York, with Samuel Osgood as the founding president. One of North America’s oldest banks in continuous operation, it is steeped in the United States’ banking history.

    America’s oldest continuous banks…

    Year foundedRankFounding nameCurrent name
    17841Bank of New YorkBNY Mellon
    17922State Street Deposit & TrustState Street Corp.
    17993The Manhattan CompanyNow part of JPMorgan Chase
    18124City Bank of New YorkCitibank
    18185John A. Brown & Co.Brown Brothers Harriman

    Wikipedia and hfyhpf120.com research

    Citi’s rewards program: overview and best redemption options

    Although Citi’s rewards cards may look overwhelming since many of them are TPG’s 1.7 cents ThankYou point value really shines when you redeem through the ThankYou Travel Center portal. Our ThankYou rewards guide reports your points lose value outside travel, but redeeming for gift cards and paying with points are the next best options. Plus, eligible cardholders can maximize their points with Citi’s limited-time promotion that discounts select Amazon purchases through 9/30/20.
    Fortunately, the loads of extra monthly points you could earn using other Citibank accounts can help cardholders stock up for the redemption options below.

    Citi banking ThankYou rewards

    Eligible products & servicesCitigold, Citi Priority, or Citi Private Bank AccountThe Citibank Account
    Checking account, bill payment, direct deposit650450
    Auto save12575
    Savings/money market200150
    Mortgage175100
    Personal/installment loan12550
    数字货币交易软件_数字货币手机app下载home equity loan175100
    Custom credit line15075
    Total1,6001,000

    Citibank’s banking rewards breakdown

    Citi ThankYou Point redemption options

    • Gift cards
    • Booking travel rewards
    • Shop with points at online retailers like Amazon.com and PayPal
    • Statement credits
    • Cash back
    • Payment toward mortgage or student loan
    • Bill payments through Citibank’s online bill pay feature
    • Point transfer to participating loyalty programs
    • Point sharing with other ThankYou members
    • Charitable contributions

    Cash Back Rewards

    Straightforward reward-seekers may feel most at 数字货币交易软件_数字货币手机app下载home with the flat-rate Double Cash Card – one of Citi’s only rewards cards that doesn’t require categories to maximize. Although you can technically redeem ThankYou Points or AAdvantage® miles for cash back, Citi’s cash back cards are best suited for the job. Likewise, redeeming for cash back is your best value with a cash back card.
    Costco cash rewards can only be redeemed as an annual reward certificate (after your February billing statement) for cash or merchandise at U.S. Costco warehouses.

    Cash back redemption options

    • Direct deposit
    • Check
    • Statement credit
    • Convert to ThankYou Points

    Travel Rewards

    For more dedicated flyers, the American Airlines-branded Citi credit cards earn you Citi / American Airlines AAdvantage miles redemption options

    • Eligible flights
    • Eligible vacation packages
    • Cabin upgrades on select airways
    • Seat reservations
    • Admirals Club® membership and renewal
    • Five Star Service™ luxury experiences
    • Select newspaper subscriptions
    • Charitable donations

    Expedia Rewards points redemption options

    • Eligible flights
    • Eligible hotel reservations (points worth double at VIP Access™ hotels)
    • Select car rentals
    • Attraction and activity discounts
    • Flight + Hotel coupon worth $25+
    • St. Jude’s Children Research Center donations

    Frequently asked questions

    What are the benefits of a Citi credit card?

    Besides each card’s respective rates and rewards, many Citi credit cards come with standard travel, shopping, and security perks like account monitoring and a free concierge service. Unfortunately, a few benefits Citi cards don’t offer include industry travel and shopping staples like car rental insurance, trip cancellation protection and 90-day return protection.
    We’ve included a list of other Citi credit card benefits, but the Citi Easy Deals and the Citi Entertainment® programs could be the most interesting.

    Citi Easy Deals

    Cardholders with either the Citi Simplicity, Citi Diamond Preferred, or the Citi Entertainment, qualifying cardholders gain access to reserved pre-sale tickets for events in four categories: music, sports, dining and “theater and more.” Users subscribed to Citi Entertainment’s email list can score first dibs on special deals like LiveNation concert tickets for $30 or less. Although other issuers offer similar experience access programs, like Capital One Access and Chase Experiences, Citi Entertainment comes at no added cost and pretty much every Citi card (even select debit cards) is eligible. Cards with Citi Entertainment will have the Visa, Mastercard or American Express logo on them.

    Other Citi credit card benefits

    Travel

    • Citi® Concierge

    Shopping and security

    • Citi Flex Loan for eligible cardholders
    • PayPal and mobile wallet card linking
    • $0 liability on unized charges
    • Virtual account numbers
    • Free monthly FICO® Score
    • Citi® Quick Lock mobile app account freezing
    • Free Citi® Identity Theft Solutions account monitoring
    • Customizable account alerts

    What credit score do you need for a Citi credit card?

    It’s not a rule set in stone, but most Citi card offers and their best rates will require applicants have an excellent credit score (a FICO Score of 740-850).
    If you’re just starting out in the world of credit, Citi does have a credit-building card for applicants with limited history: the Citi Secured Mastercard. Starting out with a secured card and improving your credit score are the most direct ways to obtain a Citi credit card and other top-tier cards. If you’ve already established a solid credit rating, check if you prequalify for a Citi card.

    Can Citi prequalify you for a credit card?

    You might be wary of any offers you get in the mail saying you “prequalified” for a credit card. But does Citi actually preapprove potential cardholders for offers? The answer is yes, and Citi makes it an easier process than many issuers.
    Whether you hear the term “prequalify” or “preapprove,” they both essentially mean that the issuer has made a “soft inquiry” and thought your credit report showed you’re probably eligible for one of their cards. The keyword here is probably. Preapprovals don’t mean that you’re guaranteed to qualify. Although being prequalified is a good hint at your standing with the issuer and boosts your approval odds, you’re only guaranteed when you apply and a “hard inquiry” is made into your credit.
    Since those hard inquiries put a tiny, temporary ding on your credit score, finding card offers that match your credit profile with tools like @creditcards_lm.