How to find the right Citibank credit card for you
If you are in the market for a new credit card, chances are that Citibank will have one that meets your needs. Citi credit card holders run the gamut from people with limited credit history to those with excellent credit. There are Citi credit cards for small business owners, for students, for travelers and for consumers who want to pay off their credit card debt. To find the best Citi credit card for your needs, you'll need to evaluate your financial goals and decide how you will use your new credit card.
Citi® Platinum Select® / AAdvantage® World MasterCard®
- Earn 30,000 American Airlines AAdvantage(R) bonus miles after $750 in purchases within the first 4 months of cardmembership* - more than enough for a round-trip domestic flight award*
- Earn an additional 10,000 AAdvantage(R) bonus miles after $5,000 in purchases during the first 6 months of cardmembership*
- Receive a one-time $100 statement credit for the first eligible American Airlines purchase you make within the first 12 months of cardmembership*
- $85 annual fee waived for the first 12 months*
Note!
Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| N/A | None | 15.24% Variable | None | 3% ($5 min. ) | Excellent |
Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back
- $100 cash back after $500 in purchases within the first 3 months of account opening
- 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% based on your creditworthiness*. This APR will vary with the market based on the Prime Rate
- 5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment. Each quarter, you can enroll to earn additional cash back in popular categories. To learn more, visit dividend.quarterlyoffer.citi.com.
- Full 1% cash back on all other purchases and eligible cash advances
- No annual fee*
Note!
Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 0% | 12 months | 12.99% - 22.99% Variable | 0% | 3% ($5 min. ) | Excellent |
Citi Forward® Card
- $100 in gift cards - When you redeem the 10,000 bonus ThankYou(R) Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months
- 0% intro APR for 12 months on balance transfers and for 7 months on purchases. After that, 12.99% - 22.99% variable.
- 5 points for every $1 spent at restaurants and on books, movies and music. 1 point for every $1 you spend on all other purchases
- Want to lower your purchase APR? All you have to do is make a purchase, stay under your credit limit, and pay on time 3 billing periods in a row and we will lower your APR for purchase by up to 2% (0.25% each quarter, 8X maximum)
- No Annual Fee*
Note!
Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 0% | 7 months | 12.99% - 22.99% Variable | 0% | 3% ($5 min. ) | Good |
Citi Thank YouSM Preferred Card - $150 in gift cards
- $150 gift card - When you redeem the 15,000 bonus ThankYou(R) Points received after $1,000 in purchases within 3 months of account opening.
- 5 ThankYou Points for every $1 you spend on purchases at gas stations, supermarkets and drugstores for 12 months and 1 point for every $1 you spend thereafter**
- No expiration and no limit on the points you can earn
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
- No annual fee*
Note!
Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| N/A | N/A | 12.99% - 22.99% Variable | N/A | 3% ($5 min. ) | Excellent |
Citi® Dividend Platinum Select® Card for College Students
- No Cosigner Required
- Earn 5% Cash Back on purchases at supermarkets, drugstores, gas stations, convenience stores & utilities (including cable) for 6 months; 1% thereafter*
- Earn at least 2% cash back in popular rotating categories like restaurants, apparel, hotel and more. Enrollment required*
- Earn a full 1% cash back on all other purchases*
Note! Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 0% | 7 months* | 13.99% - 21.99% Variable | N/A | 4% ($10 min. ) | Limited |
Citi® Hilton HHonors® Visa Signature® Card
- Earn 40,000 Hilton HHonors Bonus Points after spending $1000 within 4 months of account opening*
- Earn 6 HHonors Bonus Points for each $1 spent at participating hotels within the Hilton Worldwide portfolio.*
- Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations.*
- Earn 2 HHonors Bonus Points for each $1 spent on all other purchases.*
- No annual fee.*
Note!
Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| N/A | None | 14.24% - 16.24% Variable | N/A | 3% ($5 min. ) | Excellent |
Citi AT&T Universal Business Rewards Card
- Designed for businesses with an established credit history
- 0% APR on purchases for 6 months. After that,14.24% variable*
- Earn 5 ThankYou Points for every dollar spent on eligible AT&T products and services purchased directly from AT&T*
- Earn 3 ThankYou Points for every dollar spent on purchases at certain office supply merchants, gas stations, and on professional services and 1 ThankYou point for every dollar spent on other purchases*
- Additional cards for employees with credit limits you set
- No Annual Fee
Note!
Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 0% | 6 months | 14.24% Variable | N/A | 3% ( ) | Good |
Citi Simplicity® Card
- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness
- Peace of mind through direct access to a service representative, no late fees and no penalty rate
- No annual fee*
Note!
Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 0% | 18 months | 12.99% - 21.99% Variable | 0% | 3% ($5 min. ) | Excellent |
Citi® Diamond Preferred® Card
- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.
- 24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more
- Special access for Citi cardmembers to purchase presale tickets, preferred seating, VIP packages, and other unforgettable live entertainment experiences through Citi Private Pass(R)
- $0 liability on unauthorized purchases and Citi(R) Identity Theft Solutions
- No annual fee*
Note!
Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 0% | 18 months | 11.99% - 21.99% Variable | 0% | 3% ($5 min. ) | Excellent |
Citi® Platinum Select® MasterCard®
- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.
- Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
- Citi(R) Identity Theft Solutions
- Secure, free online account management
- No annual fee*
Note!
Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 0% | 18 months | 11.99% - 21.99% Variable | 0% | 3% ($5 min. ) | Good |
Citi® Platinum Select® Visa Card®
- 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness
- Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
- Citi(R)Identity Theft Solutions
- Secure, free online account management
- No annual fee*
Note!
Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 0% | 18 months | 11.99% - 21.99% Variable | 0% | 3% ($5 min. ) | Good |
Citi® Dividend Platinum Select® Visa® Card - $200 Cash Back
- $200 cash back after $500 in purchases within the first 3 months of account opening
- 5% cash back on dfitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment. Each quarter, you can enroll to earn additional cash back in popular categories. To learn more, visit dividend.quarterlyoffer.citi.com.
- 5% average cash back at select merchants through Citi Bonus Cash Center(r)
- Full 1% cash back on eligible purchases and cash advances
- No annual fee*
Note!
Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| N/A | N/A | 15.99% - 22.99% Variable | N/A | 3% ($5 min. ) | Excellent |
CitiBusiness®World Card
- Designed for businesses with an established credit history
- $100 gift card - when you redeem the 10,000 bonus ThankYou(R) points received after $300 in purchases within 3 months of account opening
- 0% intro APR on Purchases for 6 months. After that, 13.24% variable.
- 3 ThankYou points for every $1 spent at certain office supply merchants and on professional services and 1 point for every $1 spent on other purchases
- Earn rewards for your business expenses, including purchases made on employee cards
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
- No annual fee*
Note!
Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 0% | 6 months | 13.24% Variable | None | 3% ($5 min. ) | Excellent |
Citi ThankYou℠ Preferred Card - $250 in Gift Cards
- $250 gift card - When you redeem the 25,000 bonus ThankYou(R) Points received after $2000 in purchases within 3 months of account opening.
- Earn 1 point for every $1 you spend on all purchases
- Receive an anniversary bonus every year you’re a cardmember
- No expiration and no limit on the points you can earn
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
- No annual fee*
Note!
Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| N/A | None | 12.99% - 22.99% Variable | None | 3% ($5 min. ) | Excellent |
Citi Thank YouSM Premier Card - enough for $300 in Gift Cards
- Earn 30,000 bonus ThankYou(r) Points after $2,000 in purchases within 3 months of account opening - enough for $300 in gift cards
- 1 ThankYou point for every dollar you spend on purchases
- Earn points for the miles you fly when you purchase a ticket with your Citi ThankYou Premier Card
- No foreign transaction fees on purchases*
- Annual complimentary domestic companion ticket within the continental USA, when booked through our travel benefits provider, Spirit Incentives
- No points cap and no expiration of points
Note!
Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| N/A | None | 13.99% - 22.99% Variable | None | 3% ($5 min. ) | Good |
Citi ThankYou® Card
- Enjoy 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99% - 22.99% based upon your creditworthiness*
- Earn 1 ThankYou Point for every $1 you spend on purchases.
- Earn an anniversary bonus on points earned from purchases every year*
- Enjoy no limit on the number of points you can earn
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
- No annual fee*
Note!
Do you know your credit score? Click here for free credit score offers.
| Intro APR | Intro APR Period | Regular APR | Balance Transfer | Transfer Fee | Credit Needed |
|---|---|---|---|---|---|
| 0% | 15 months | 12.99% - 22.99% Variable | 0% | 3% ($5 min. ) | Excellent |
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- Best Citibank credit cards?
- Citi ThankYou Rewards Card?
- Citi Cash Back Program?
- Good for small business?
Which Citibank credit cards are best?
Which Citi credit card is best for you primarily depends on your credit history and how you plan on using the card. Business owners might think about applying for a business credit card, since they are tailored for small business owners. Students and people with fair credit should look at introductory or student credit cards. People who travel a lot, or use credit cards often, should check out the company's rewards and airline credit cards. Citibank credit cards also come with such services as automatic bill pay, discounts on auto rentals and insurance, and money management services.
