The Best Citi Credit Cards

• Earn up to $225 in statement credits: Earn a $75 statement credit for every $500 spent, up to $225, on eligible purchases in the first 90 days after you are approved for a new Shop Your Way Mastercard®. Valid for new accounts opened 10/1/24 - 3/31/25.
• 5x Points: Earn 5% in points on eligible purchases at gas stations.
• 3x Points: Earn 3% in points on eligible purchases at grocery stores and restaurants.
• Limit on 5x and 3x Points: Earn 5% and 3% in points on the first $10,000 of combined gas, grocery and restaurant purchases per calendar year.
• 2x Points: Earn 2% in points on eligible purchases at Shop Your Way merchants.
• 1x Point: Earn 1% in points on all other eligible purchases.
• Annual Fee: None.
• Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.
• Redeem Rewards: Use points for gift cards, selected services and items sold by Shop Your Way merchants in stores or online.
• Price Protection: refunds the difference if you find a lower price on a purchased.
• Extended Warranty: Extends the manufacturer’s U.S. warranty by up to an additional year on eligible purchases.
• Shop Your Way Program: You will automatically become a member of Shop Your Way program.
• Other Benefits: Includes $0 liability on unauthorized charges, contactless payments, and identity theft protection.
• Regular APR: 33.49% Variable APR.
• Balance Transfer Fees: $10 or 5% of each transfer amount, whichever is greater.
• Click ‘Apply Now’ to see the full terms and conditions.

• Costco Membership: A Costco membership is required to apply.
• 4% Cashback: On eligible gas and EV charging worldwide, including gas and EV charging at Costco, for the first $7,000 per year.
• 3% Cashback: On restaurants and eligible travel purchases worldwide.
• 2% Cashback: On all other purchases from Costco and Costco.com.
• 1% Cashback: On all other purchases.
• Annual Fee: None.
• Foreign Transaction Fees: None.
• Redeem Rewards: Cashback will be provided as an annual credit card reward certificate once your February billing statement closes and is redeemable for cash or merchandise in a single transaction at any U.S. Costco Warehouses, including Puerto Rico. Certificates are redeemable through December 31 of each year.
• Citi Entertainment®: Purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year’s most anticipated concerts, sporting events, dining experiences, and more.
• Purchase Protection: Covers new purchases for 120 days against damage or theft, up to $1,000 per claim and $50,000 per account.
• Travel Benefits: Include Roadside Dispatch®, Travel and Emergency Assistance Services, Worldwide Car Rental Insurance, and Worldwide Travel Accident Insurance.
• Other benefits: Include digital wallets and contactless pay.
• Regular APR: 19.74% - 27.74% Variable APR.
• Click ‘Apply Now’ to see the full terms and conditions.

• Minimum Security Deposit: A minimum security deposit of $200 is required to open this account.
• Annual Fee: None.
• Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.
• Choose Your Payment Due Date: Choose to pay your bill on any available due date in the beginning, middle, or end of the month. Enjoy the flexibility of paying your full balance or just the minimum payment due each month.
• Additional Features: Include automatic account alerts, digital wallets, contactless pay, 24/7 customer service, the ID theft protection, free access to the FICO score, and $0 liability on unauthorized charges.
• Regular APR: 26.99% Variable APR.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Click ‘Apply Now’ to see the full terms and conditions.

Welcome Offer

Earn 75,000 American Airlines AAdvantage® bonus miles after spending $5,000 in the first 5 months.

• 2x AAdvantage® Miles: On purchases at telecommunications merchants, cable and satellite providers, car rental merchants, gas stations, and eligible American Airlines purchases.
• 1x AAdvantage® Mile: On all other purchases.
• Loyalty Points: Earn 1 Loyalty Point for every eligible mile earned from purchases. Businesses earn AAdvantage® miles and travelers earn Loyalty Points when booking business travel on aa.com.
• Annual Fee: $99, fee waived for the first 12 months.
• Foreign Transaction Fees: None.
• Redeem Miles: For travel on American Airlines, American Eagle®, oneword® airlines, and partner airlines. Use miles for seat upgrades, car rentals, hotels, vacations, Admirals Club® access, and more. Earn AAdvantage® status by earning Loyalty Points and enjoy exclusive benefits like premium cabin upgrades, same-day standby priority, and complimentary access to Main Cabin Extra and Preferred Seats.
• Companion Certificate: Earn a $99 domestic economy fare American Airline Companion Certificate after spending $30,000 in purchases during your card membership year and renew your card.
• First Checked Bag Free: First checked bag free on domestic American Airlines itineraries for you and up to 4 travel companions on the same reservation.
• Preferred Boarding on American Airlines Flights.
• 25% Savings on Inflight Food, Beverage, and Wi-Fi Purchases.
• Employee Cards at No Additional Cost: Add authorized users (employees or contractors) at no additional cost and earn more miles when employees use their card for purchases.
• Business Perks: Includes personal business assistant, online account summaries, access to exclusive business offers, and easy business travel management.
• Additional Benefits: Digital wallets and contactless pay.
• Regular APR: 20.49% - 29.49% Variable APR.
• Click ‘Apply Now’ to see the full terms and conditions.

• Welcome Offer: Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first three months of account opening.
• Earn 10x AAdvantage® miles for every $1 spent on eligible hotels booked through aa.com/hotels and on eligible car rentals booked through aa.com/cars.
• Earn 4x AAdvantage® miles for every $1 spent on eligible American Airlines purchases. After spending $150,000 in a year on your card, earn 5x AAdvantage® miles on eligible American Airlines purchases.
• Earn 1x AAdvantage® mile on all other purchases.
• Annual Fee: $595.
• Annual Fee for Authorized Users: $175 for up to 3 users, $175 for each additional user.
• Foreign Transaction Fees: None.
• Admirals Club®: Free Membership (a value of up to $850), including access for immediate family or up to two guests.
• First Checked Bag Free: On domestic American Airlines flights for you and up to 8 companions.
• TSA PreCheck® or Global Entry Fee Credit: Up to $100 every 4 years (increases to $120 from October 1st).
• Priority Airport Experience: Priority check-in, screening (where available), and boarding for you and up to 8 companions.
• 25% Savings on Inflight Food and Beverage: When using your card on American Airlines flights.
• Vacation Packages Discount: Save 10% on eligible American Airlines vacation packages at AAVacations.com.
• Loyalty Points: Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases.
• Loyalty Points Bonuses: Earn 10,000 bonus points after reaching 50,000 Loyalty Points, and another 10,000 after reaching 90,000 Loyalty Points in a status year.
• Redeem AAdvantage® Miles: For flights, seat upgrades, car rentals, hotels, vacations, Admirals Club® access, and more.
• Lyft Credits: Earn $10 in Lyft credits after taking 3 eligible rides in a month, up to $120 annually.
• Avis® and Budget Car Rentals: Earn up to $120 back annually with a $1 statement credit per $1 spent on eligible car rentals.
• Grubhub Purchases: Earn up to $120 back annually with $10 monthly statement credits on eligible purchases.
• Travel Protection: Includes trip delay, cancellation and interruption protection, car rental insurance, and lost baggage protection.
• Citi Entertainment®: Access tickets to thousands of events, including presales and exclusive experiences.
• Dedicated Concierge: Get expert help with travel, shopping, dining, household, and entertainment needs.
• Other Benefits: Include Mastercard ID Theft Protection, Citi® Quick Lock, $0 Liability on Unauthorized Charges, Fraud Early Warning, Account Alerts, FICO® Score, Digital Wallets, and Contactless Pay.
• Regular APR: 20.49% - 29.49% Variable APR.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Click ‘Apply Now’ to see the full terms and conditions.

• A Costco membership is required to apply.
• Earn 4% on eligible gas and EV charging worldwide, including gas and EV charging at Costco, for the first $7,000 per year, 3% on restaurants and eligible travel purchases worldwide, 2% on all other purchases from Costco and Costco.com, 1% on all other purchases.
• No annual fee.
• No foreign transaction fees.
• Cashback will be provided as an annual credit card reward certificate once your February billing statement closes and is redeemable for cash or merchandise in a single transaction at any U.S. Costco Warehouses, including Puerto Rico. Certificates are redeemable through December 31 of each year.
• Through Citi Entertainment®, you can purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year’s most anticipated concerts, sporting events, dining experiences, and more.
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $1,000 per claim and $50,000 per account.
• Visa Travel benefits include Roadside Dispatch®, Travel and Emergency Assistance Services, Worldwide Car Rental Insurance, and Worldwide Travel Accident Insurance.
• Other benefits include digital wallets and contactless pay.
• Regular APR: 19.74% - 27.74% Variable APR.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Click ‘Apply Now’ to see the terms and conditions.

• Annual Fee: None.
• Foreign Transaction Fees: 3% of each purchase transaction in U.S. dollars.
• 0% Intro APR on Purchases: For 12 months from account opening.
• 0% Intro APR on Balance Transfers: For 21 months from account opening. To qualify, you must make balance transfer within the first 120 days.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Regular APR: After the introductory period, a variable APR of 17.49% - 28.24% applies to purchases and balance transfers.
• Choose Your Payment Due Date: Select your bill payment date at the beginning, middle, or end of the month for flexibility in managing your payments.
• Citi Entertainment®: Access tickets to thousands of events, including presale tickets and exclusive experiences for concerts, sports events, dining, and more.
• Additional Features: Include 24/7 customer service, automatic account alerts, digital wallets, contactless pay, Mastercard® ID Theft Protection™, free access to your FICO score, and $0 liability on unauthorized charges.
• Click ‘Apply Now’ to see the full terms and conditions.

• Annual Fee: None.
• Foreign Transaction Fees: 3% of each purchase transaction in U.S. dollars.
• 0% Intro APR on Purchases: For 12 months from account opening.
• 0% Intro APR on Balance Transfers: For 21 months from account opening. To qualify, you must make balance transfer within the first 120 days.
• Balance Transfer Fees: Introductory period: $5 or 3% of the transfer amount, whichever is greater, for balance transfers made within the first 120 days. Regular: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
• Regular APR: After the introductory period, a variable APR of 18.49% - 29.24% applies to purchases and balance transfers.
• No Penalty APR and No Late Fees: Paying late won’t automatically raise your interest rate (APR). Other account pricing and terms apply.
• Choose Your Payment Due Date: Choose to pay your bill on any available due date in the beginning, middle, or end of the month. Enjoy the flexibility of paying your full balance or just the minimum payment due each month.
• Additional Features: Include automatic account alerts, contactless pay, Digital Wallets, 24/7 customer service, ID Theft Protection, and $0 liability on unauthorized charges.
• Click ‘Apply Now’ to see the full terms and conditions.

• Welcome Offer: Earn a $200 cash bonus after spending $1,500 in the first six months of account opening.
• 5% Cashback on Top Eligible Category: Earn 5% cashback on purchases in your top eligible spend category each billing cycle, up to the first $500 spent each billing cycle. The eligible categories are Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs, and Live Entertainment.
• 1% Cashback on All Other Purchases.
• 4% Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
• Annual Fee: None.
• Foreign Transaction Fees: 3% of each purchase transaction in U.S. dollars.
• 0% Intro APR on Purchases: For 15 months from account opening.
• 0% Intro APR on Balance Transfers: For 15 months from account opening. To qualify, you must make balance transfer within the first 120 days.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Regular APR: After the introductory period, a variable APR of 18.49% - 28.49% applies to purchases and balance transfers.
• Redeem Points: For cashback (100 ThankYou® Points = $1) as a statement credit, direct deposit, or mailed check. You can also use them for gift cards and travel, or shop with points at Amazon.com and PayPal, and more. Redemption rates may vary. Cash rewards do not expire.
• Choose Your Payment Due Date: Choose to pay your bill on any available due date in the beginning, middle, or end of the month. Enjoy the flexibility of paying your full balance or just the minimum payment due each month.
• Authorized Users: Add authorized users at no cost and earn points on purchases they make.
• Citi Entertainment®: Purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year’s most anticipated concerts, sporting events, dining experiences, and more.
• Additional Features: Include automatic account alerts, contactless pay, Digital Wallets, the ID theft protection, zero liability protection, free access to your FICO® Score, 24-hour fraud protection, Citi® Quick Lock, and 24/7 customer service.
• Click ‘Apply Now’ to see the full terms and conditions.

• Welcome Offer: Earn a $200 cashback bonus when you spend $1,500 on purchases in the first 6 months from account opening.
• Unlimited 2% Cashback on Purchases: Earn 1% when you buy and 1% as you pay, with no categories to track or quarterly activations. Simply use your card anywhere, and when you pay the minimum due on time, you’ll earn cashback twice on each purchase.
• Limited Time Offer: Earn 5% total cashback on hotel, car rentals, and attractions booked on the Citi Travel℠ portal through 12/31/24.
• Foreign Transaction Fees: 3% of each purchase transaction in U.S. dollars.
• 0% Intro APR on Balance Transfers: For 18 months from account opening. To qualify, you must make balance transfer within the first 120 days.
• Balance Transfer Fees: Introductory period: $5 or 3% of the transfer amount, whichever is greater, for balance transfers made within the first 120 days. Regular: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
• Regular APR: After the introductory period, a variable APR of 18.49% - 28.49% applies to purchases and balance transfers.
• Redeem Rewards: Redeem points for cashback, gift cards, travel, purchases, and more.
• Citi Entertainment®: Access tickets to thousands of events, including presale tickets and exclusive experiences for the year’s most anticipated concerts, sporting events, dining experiences, and more.
• Additional Features: Include 24/7 customer service, contactless pay, digital wallets, zero liability protection, 24-hour fraud protection, and the ID theft protection program.
• Click ‘Apply Now’ to see the full terms and conditions.

• Welcome Offer: Earn 20,000 bonus points after spending $1,500 in the first 3 months. That’s $200 in gift cards or travel rewards at thankyou.com.
• 5x Points (Limited Time Offer): Earn 5x points on hotel, car rentals and attractions (excluding air travel) through the Citi Travel℠ portal until 12/31/2025.
• 2x Points: Earn 2x points at supermarkets and gas stations for the first $6,000 per year.
• 1x Point: Earn 1x point on all other purchases.
• Round Up to Nearest 10 Points: Automatically rounds up to the nearest 10 points on every purchase (e.g., a $2 parking meter earns 10 points).
• Annual Fee: None.
• Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.
• 0% Intro APR on Purchases: For 15 months from account opening.
• 0% Intro APR on Balance Transfers: For 15 months from account opening. To qualify, you must make balance transfer within the first 120 days.
• Balance Transfer Fees: Introductory period: $5 or 3% of the transfer amount, whichever is greater, for balance transfers made within the first 120 days. Regular: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
• Regular APR: After the introductory period, a variable APR of 17.99% - 27.99% applies to purchases and balance transfers.
• Redeem Rewards: Use points for gift cards, travel, purchases at Amazon.com and BestBuy.com®, or apply as statement credit.
• 10% Points Back: Get 10% of your points back when you redeem up to the first 100,000 points per year. For example, redeem 10,000 points for a $100 gift card and get 1,000 points back.
• Citi Entertainment®: Access tickets to thousands of events, including presale tickets and exclusive experiences for concerts, sporting events, dining, and more.
• Other Benefits: Includes digital wallets, contactless payments, Citi® Quick Lock, access to your FICO score, enhanced security with EMV Chip technology, and 24/7 customer service.
• Click ‘Apply Now’ to see the full terms and conditions.

Welcome Offer

Earn 5,000 bonus ThankYou® points after spending $500 in the first three months. That’s worth $50 when redeemed for travel or gift cards through thankyou.com.

Rewards

• 5x Points on Travel (Limited Time Offer): hotel, car rentals and attractions, excluding air travel, at the Citi Travel℠ portal now through December 31, 2025.
• 2x Points on Select Categories (for the first $6,000 per year):
  • 2x Points at Supermarkets.  
  • 2x Points at Gas Stations.
• 1x Points on All Other Purchases.

Round Up to Nearest 10 Points

Automatically rounds up to the nearest 10 points on every purchase (e.g., a $2 parking meter earns 10 points).

Redemption Options

• Redeem ThankYou® points for gift cards, purchases at Amazon.com and BestBuy.com®, travel, or apply as statement credit.
• 10% Points Back: Enjoy 10% of your points back when you redeem up to the first 100,000 points per year. For example, redeem 10,000 points for a $100 gift card and get 1,000 points back, adding more value to your rewards.

Fees and APR

• Annual Fee: $0.
• Regular APR: 18.99% - 28.99% Variable APR.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.

Exclusive Offers

• Citi Entertainment®: Access exclusive experiences like presale tickets, VIP packages, and events for concerts, sports, dining, and more.

Additional Features

• Flexible Payment Options: Choose your payment due date — whether it’s at the beginning, middle, or end of the month — and decide whether to pay your balance in full or just the minimum due.
• Enjoy 24/7 customer service, contactless checkout, and compatibility with digital wallets. Benefit from Mastercard ID Theft Protection for added peace of mind.

Terms and Conditions

Click Apply Now to see the terms and conditions.

• Limited-time offer: Earn 75,000 bonus points after spending $4,000 on purchases within the first three months of account opening. Redeem them for travel rewards or $750 in gift cards at thankyou.com.
• 10x Points: On hotels, car rentals, and attractions when booked through the Citi Travel℠ portal.
• 3x Points: At restaurants, supermarkets, gas stations, EV charging stations, air travel, and other hotel purchases.
• 1x Points: On all other purchases.
• Annual Fee: $95.
• Foreign Transaction Fees: None.
• Redeem ThankYou® Points: For travel, gift cards, and more at thankyou.com. Shop with your ThankYou® Points at BestBuy.com and Amazon.com. You can transfer your points to your favorite airline loyalty program like TrueBlue®, Virgin Atlantic Flying Club, and Singapore Airlines KrisFlyer. ThankYou® Points don’t expire, and there’s no limit on the number of points you can earn with this card.
• Annual Hotel Savings Benefit: Enjoy $100 off a single hotel stay of $500 or more, excluding taxes and fees, when booked through CitiTravel.com, once per calendar year.
• Authorized User: Add an authorized user to your account at no additional cost and earn points faster.
• Citi Entertainment®: Purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year’s most anticipated concerts, sporting events, dining experiences, and more.
• Travel Benefits: Include Trip Delay Reimbursement, Trip Cancellation and Interruption Insurance, Lost or Damaged Luggage Reimbursement, and MasterRental Coverage (car rental insurance).
• Additional Features: Include contactless pay, Digital Wallets, and free access to view your FICO Score.
• Regular APR: 20.49% - 28.49% Variable APR.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Click ‘Apply Now’ to see the full terms and conditions.