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How to find the right Citibank credit card for you

The card offers below are from credit card issuers which have paid for a link to their website. Offers are subject to change without notice and may not be the same for all consumers.

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.

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Citi Simplicity® Card

  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 22.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER
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Purchase Intro APR: 0%*
Period: 18 months on Purchases*
Purchase APR 12.99 - 22.99% Variable
Balance Transfer Intro APR 0%*
Balance Transfer Intro Period 18 months on Balance Transfers*
Annual Fee $0*
APPLY NOW Credit Needed Excellent

Citi Prestige® Card

  • $250 Air Travel Credit each year
  • Complimentary 4th Night for any hotel stay
  • Earn 30,000 bonus ThankYou® Points after $2,000 in purchases made with your card in the first 3 months the account is open.
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Purchase Intro APR: N/A
Purchase APR 15.24%* Variable
Balance Transfer Intro APR N/A
Balance Transfer Intro Period N/A
Annual Fee $450
APPLY NOW Credit Needed Excellent

Citi® / AAdvantage® Platinum Select® MasterCard®

  • Earn 50,000 American Airlines AAdvantage® bonus miles and 2 Admirals Club® Passes after making $3,000 in purchases within the first 3 months of account opening*
  • Your first eligible checked bag is free*
  • Group 1 boarding and 25% savings on eligible in-flight purchases*
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Purchase Intro APR: N/A
Purchase APR 13.99% - 21.99%* Variable
Balance Transfer Intro APR N/A
Balance Transfer Intro Period N/A
Annual Fee $95, waived for first 12 months*
APPLY NOW Credit Needed Excellent

CitiBusiness® / AAdvantage® Platinum Select® World MasterCard®

  • Designed for businesses with an established credit history
  • Earn 50,000 American Airlines AAdvantage® bonus miles and 2 Admirals Club® One-Day Passes after making $3,000 in purchases within the first 3 months of account opening*
  • Get the first checked bag free for you and up to 4 traveling companions*
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Purchase Intro APR: N/A
Purchase APR 15.24% Variable
Balance Transfer Intro APR N/A
Balance Transfer Intro Period N/A
Annual Fee $95, waived for first 12 months*
APPLY NOW Credit Needed Excellent

Citi® Double Cash Card

  • 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99%-22.99%, based on your creditworthiness
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • The only card that earns you cash back TWICE on every purchase with:
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Purchase Intro APR: 0%
Period: 15 months on Purchases*
Purchase APR 12.99% - 22.99%* Variable
Balance Transfer Intro APR 0%
Balance Transfer Intro Period 15 months on Balance Transfers*
Annual Fee $0*
APPLY NOW Credit Needed Excellent

Citi ThankYou® Premier Card

  • Earn up to 50,000 bonus ThankYou® Points. Bonus points are redeemable for up to $500 in gift cards, up to $625 for airfare or other great rewards
  • Earn 20,000 points after $2,000 in purchases within the first 3 months of account opening
  • Earn an additional 30,000 points after another $3,000 in purchases within the first 3 months of your second year of being a cardmember
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Purchase Intro APR: N/A
Purchase APR 13.99% - 22.99%* Variable
Balance Transfer Intro APR N/A
Balance Transfer Intro Period N/A
Annual Fee $125; fee waived for the first 12 months*
APPLY NOW Credit Needed Excellent

Citi® Hilton HHonors Visa Signature® Card

  • Earn 40,000 Hilton HHonors Bonus Points after spending $1,000 within 4 months of account opening*
  • Earn 6 HHonors Bonus Points for each $1 spent at a participating hotel within the Hilton portfolio.*
  • Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations.*
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Purchase Intro APR: N/A
Purchase APR 15.24% - 19.24%* Variable
Balance Transfer Intro APR N/A
Balance Transfer Intro Period N/A
Annual Fee None
APPLY NOW Credit Needed Excellent

Citi® Diamond Preferred® Card

  • Get 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.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Easy DealsSM Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card. Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
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Purchase Intro APR: 0%*
Period: 18 months on Purchases*
Purchase APR 11.99% - 21.99%* Variable
Balance Transfer Intro APR 0%*
Balance Transfer Intro Period 18 months on Balance Transfers*
Annual Fee $0*
APPLY NOW Credit Needed Excellent

Citi ThankYou® Preferred Card - Earn 20,000 Bonus Points

  • Earn 20,000 bonus ThankYou® Points after $1,500 in card purchases within 3 months of account opening -- redeemable for $200 in gift cards or other great rewards!
  • 0% intro APR on Balance Transfers and Purchases for 12 months. After that, the variable APR will be 12.99%-22.99% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.*
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Purchase Intro APR: 0%*
Period: 12 months on Purchases
Purchase APR 12.99% - 22.99%* Variable
Balance Transfer Intro APR 0%*
Balance Transfer Intro Period 12 months on Balance Transfers
Annual Fee $0*
APPLY NOW Credit Needed Excellent

Citi® Hilton HHonors Reserve Card

  • Earn 2 weekend night certificates good at select hotels and resorts within the Hilton portfolio after you make $2,500 in purchases within 4 months of account opening*
  • Earn 10 HHonors Bonus Points per $1 spent on hotel stays within the Hilton portfolio*
  • Earn 5 HHonors Bonus Points per $1 spent on airline and car rental purchases*
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Purchase Intro APR: N/A
Purchase APR 15.24% Variable
Balance Transfer Intro APR N/A
Balance Transfer Intro Period N/A
Annual Fee $95
APPLY NOW Credit Needed Excellent

Citi ThankYou® Preferred Card for College Students - Earn 2,500 Bonus Points

  • Earn 2,500 bonus ThankYou® Points after spending $500 within the first 3 months of cardmembership.
  • 2 ThankYou® Points per dollar spent on purchases for dining at restaurants and entertainment.
  • 1 ThankYou® Point on other purchases.
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Purchase Intro APR: 0%*
Period: 7 months on Purchases*
Purchase APR 13.99% - 23.99%* Variable
Balance Transfer Intro APR N/A
Balance Transfer Intro Period N/A
Annual Fee $0*
APPLY NOW Credit Needed Good
Credit Card Database

More about How to find the right Citibank credit card for you

  • Best Citibank credit cards?
  • Citi ThankYou Rewards Card?
  • Citi Cash Back Program?
  • Good for small business?

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.

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. 

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.

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.

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.

About Our Ratings ×

Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. Ratings vary by category, and the same card may receive a certain number of stars in one category and a higher or lower number in another.

The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers.

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