How to find the right Citibank credit card for you
By updated on May 22, 2012

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.

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.

What is the Citi ThankYou Rewards Card?

Credit card companies have learned that one way to encourage you to use a credit card more frequently is to offer rewards tied to your spending patterns. Rewards credit cards sometimes carry a higher interest rate or higher fees than other credit cards. They are generally geared to people with good or excellent credit.

A rewards credit card works best if you intend to pay off your credit card balance in full each month, so think about how much you can charge each month and still pay your bill. When comparing rewards credit cards, check to see how quickly you can earn rewards, whether there are limits to the rewards you can earn and whether you must use or lose your rewards within a certain time frame.

Citi offers a variety of rewards credit cards, including some co-branded with hotels and airlines. For example, the Citi Gold/AAdvantage World MasterCard, a travel rewards card, currently allows customers to earn 30,000 bonus miles on American Airlines with $750 in purchases during the first four months. All purchases earn one airline mile per dollar. You can also get reduced airline mileage rewards so you can use your miles faster.

What is the Citi Cash Back Program?

Citibank credit cards offers cash returns on purchases, balance transfers and cash advances through its cash back credit card program. Customers can earn an average of five percent cash back at more than 400 top-name retailers when they use their credit cards for online shopping or at participating stores. Store offers and the length of availability vary, and discounts such as free shipping may have time limits. There is no limit on the amount of bonus cash consumers can accumulate through the program.

Citibank business credit cards, are they good for small business owners?

If you own a business, a business credit card can help you with your cash flow and with bookkeeping, since your business expenses can be tracked with a year-end statement. The Citi AT&T Universal Business rewards card earns five "Thank You" points per dollar spent on AT&T services and products, three points per dollar on office supplies, gas and professional services and one point per dollar on other purchases. The card has no annual fee and, for the first six months, you will pay zero percent APR on purchases.

If you have decided a Citibank credit card is what you are looking for, compare the credit card offers on this page to find the one that meets your credit needs.

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.

Editor's Rating

5 out of 5

Learn more about Citi® Hilton HHonors® Visa Signature® Card
Intro APR Intro APR Period Regular APR Balance Transfer Transfer Fee Credit Needed
N/A N/A 14.24% - 16.24% Variable N/A 3% ($5 min. ) Excellent

Citi ThankYou® 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.

Editor's Rating

5 out of 5

Learn more about Citi ThankYou® Preferred Card - $150 in gift cards
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® Platinum Select® / AAdvantage® Visa Signature® Card

  • Earn 30,000 American Airlines AAdvantage(R) bonus miles after $1,000 in purchases within the first 3 months of cardmembership*
  • Your first eligible checked bag is free*
  • Priority Boarding* and 25% savings on eligible in-flight purchases*
  • Earn a $100 American Airlines Flight Discount every cardmembership year with qualifying purchases and cardmembership renewal*
  • Double AAdvantage(R) miles on eligible American Airlines purchases*
  • Earn 10% of your redeemed AAdvantage(R) miles back - up to 10,000 AAdvantage(R) miles each calendar year*
  • No mileage cap* and your miles may never expire*


Note!  Do you know your credit score? Click here for free credit score offers.

Editor's Rating

5 out of 5

Learn more about Citi® Platinum Select® / AAdvantage® Visa Signature® Card
Intro APR Intro APR Period Regular APR Balance Transfer Transfer Fee Credit Needed
N/A N/A 15.24% Variable N/A 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
  • Earn 5% cash back at The Home Depot and on Home Furnishing and Home & Garden purchases from 4/1/12 to 6/30/12 when you enroll.
  • Enroll each quarter for new categories that earn additional cash back. 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.

Editor's Rating

5 out of 5

Learn more about Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back
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® 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*

Editor's Rating

5 out of 5

Learn more about Citi® Dividend Platinum Select® Card for College Students
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. ) Good

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
  • APR reduction on purchases when using credit wisely
  • No Annual Fee*


Note!  Do you know your credit score? Click here for free credit score offers.

Editor's Rating

5 out of 5

Learn more about Citi Forward® Card
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. ) Excellent

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.

Editor's Rating

5 out of 5

Learn more about AT&T Universal Business Rewards Card
Intro APR Intro APR Period Regular APR Balance Transfer Transfer Fee Credit Needed
0% 6 months 14.24% Variable N/A 3% ($5 min. ) Excellent

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.

Editor's Rating

4 out of 5

Learn more about Citi Simplicity® Card
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.

Editor's Rating

5 out of 5

Learn more about Citi® Diamond Preferred® Card
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 Forward® for College Students

  • No Cosigner required
  • APR reduction on purchases when using credit wisely
  • 100 ThankYou Points each billing period that you pay on time and stay under your credit line
  • Earn 1,000 points after you sign up for paperless statements within the first 3 months of account opening

Editor's Rating

5 out of 5

Learn more about Citi Forward® for College Students
Intro APR Intro APR Period Regular APR Balance Transfer Transfer Fee Credit Needed
0% 7 months 13.99% - 22.99% Variable N/A 3% ($5 min. ) Good

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.

Editor's Rating

5 out of 5

Learn more about Citi® Platinum Select® MasterCard®
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 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 4 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.

Editor's Rating

4 out of 5

Learn more about Citi ThankYou® Preferred Card - $250 in Gift Cards
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 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.

Editor's Rating

4 out of 5

Learn more about Citi ThankYou® Card
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

CitiBusiness Thank You℠ Card

  • Designed for businesses with an established credit history
  • Earn 15,000 bonus ThankYou(R) points after you make $3000 in purchases within 3 months of cardmembership - enough for $150 in gift cards
  • 0% intro APR on Purchases for 6 months. After that, 13.24% variable.
  • Earn 3 ThankYou(R) points for every dollar you spend on eligible purchases in rotating business categories.
  • Redeem points on things for your business or for yourself like business supplies, merchandise, gift cards, travel or even cash.
  • No limit to the amount of points you can earn on purchases and points don't expire.
  • No annual fee*


Note!  Do you know your credit score? Click here for free credit score offers.

Editor's Rating

4 out of 5

Learn more about CitiBusiness Thank You℠ Card
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® 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.

Editor's Rating

4 out of 5

Learn more about Citi® Platinum Select® Visa Card®
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

CitiBusiness® AAdvantage® World MasterCard®

  • Designed for businesses with an established credit history
  • Earn 30,000 American Airlines AAdvantage® bonus miles after $1,000 in purchases in the first 3 months of cardmembership*
  • First eligible checked bag free for you and up to 4 traveling companions*
  • Priority Boarding - Enjoy an enhanced boarding experience*
  • Earn 2 AAdvantage® miles for every $1 you spend on eligible American Airlines purchases and on purchases at certain office supply, telecommunications and car rental merchants*
  • Renew your annual cardmembership and earn a 5% AAdvantage mileage bonus upon eligible purchases made during the cardmembership year*


Note!  Do you know your credit score? Click here for free credit score offers.

Editor's Rating

0 out of 5

Learn more about CitiBusiness® AAdvantage® World MasterCard®
Intro APR Intro APR Period Regular APR Balance Transfer Transfer Fee Credit Needed
None N/A 15.24% Variable N/A 3% ($5 min. ) Excellent
We scour. You save
Every day, we search the web to find the very
best deals and money-saving tips. Then we
send them right to you.
Thank you!
You are signed up to receive the latest deals, offers and tips!



Feedback