How to find the right Citibank credit card for you

By updated on August 27, 2014

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.

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. 

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.

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.

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Citi® Diamond Preferred® Card

Editor's Rating

  • 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.
Apply Now Credit Needed Excellent
X

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* 

Citi® Platinum Select® / AAdvantage® World MasterCard®

Editor's Rating

  • Earn 30,000 American Airlines AAdvantage® bonus miles and 2 Admirals Club® Passes after making $1,000 in purchases within the first 3 months of cardmembership.*
  • Your first eligible checked bag is free*
  • Group 1 boarding and 25% savings on eligible in-flight purchases*
Apply Now Credit Needed Excellent
X

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* 

Citi Simplicity® Card

Editor's Rating

  • 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.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER
Apply Now Credit Needed Excellent
X

Purchase Intro

APR: 0%*

Period: 18 months on Purchases*

Purchase APR

12.99 - 21.99% Variable

Balance Transfer Intro APR

0%*

Balance Transfer Intro Period

18 months on Balance Transfers*

Annual Fee

$0* 

CitiBusiness ThankYou® Card

Editor's Rating

  • Earn 15,000 bonus ThankYou® points after you make $3,000 in purchases within 3 months of cardmembership -- redeemable for $150 in gift cards.
  • 0% introductory APR on purchases for 6 months. After that, 13.24% variable*
  • Earn 3 ThankYou® points for every dollar you spend on eligible purchases in rotating business categories*
Apply Now Credit Needed Excellent
X

Purchase Intro

APR: 0%

Period: 6 months

Purchase APR

13.24% Variable

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Annual Fee

N/A 

Citi ThankYou® Preferred Card - Low Intro APRs

Editor's Rating

  • 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*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment
Apply Now Credit Needed Excellent
X

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* 

Citi® Hilton HHonors Visa Signature® Card

Editor's Rating

  • 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 HHonors portfolio.*
  • Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations.*
Apply Now Credit Needed Excellent
X

Purchase Intro

APR: N/A

Purchase APR

Citi Hilton HHonors Visa Signature: P+10.99% (14.24% variable) or Citi Hilton HHonors Visa Gold: P+12.99% (16.24% variable) 

Balance Transfer Intro APR

N/A

Balance Transfer Intro Period

N/A

Annual Fee

None 

Citi ThankYou® Premier Card

Editor's Rating

  • 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
Apply Now Credit Needed Excellent
X

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* 

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

Editor's Rating

  • 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.*
Apply Now Credit Needed Excellent
X

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* 

CitiBusiness®/ AAdvantage® World MasterCard®

Editor's Rating

  • Designed for businesses with an established credit history
  • Earn 30,000 American Airline AAdvantage® bonus miles and two Admiral's Club® lounge One-Day Passes after making $1,000 in purchases in the first 3 months of cardmembership*
  • Get the first checked bag free for you and up to 4 traveling companions*
Apply Now Credit Needed Excellent
X

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 the first 12 months* 

Citi® Hilton HHonors Reserve Card

Editor's Rating

  • Earn 2 weekend night certificates good at select hotels and resorts within the Hilton HHonors portfolio after $2,500 in eligible purchases within 4 months of account opening*
  • Earn 10 HHonors Bonus Points per $1 spent on hotel stays within the Hilton HHonors portfolio*
  • Earn 5 HHonors Bonus Points per $1 spent on airline and car rental purchases*
Apply Now Credit Needed Excellent
X

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 

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

Editor's Rating

  • 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.
Apply Now Credit Needed Good
X

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*