The Best Citi Credit Cards

Welcome Offer

Earn $200 cashback after spending $1,500 in the first six months.

Rewards

• 2% Unlimited Cashback: 1% when you buy and 1% as you pay, with no categories to track or quarterly activations.
• Limited-Time 5% Cashback on Travel Bookings: Earn 5% cashback on hotels, car rentals, and attractions booked through the Citi Travel℠ portal through 12/31/25.

Redemption Options

Redeem points for cashback, gift cards, travel, purchases, and more.

Fees and APR

• Annual Fee: $0.
• 0% Intro APR on Balance Transfers: For 18 months from account opening on balance transfers completed within the first 4 months.
• Regular APR: 18.24% - 28.24% Variable APR.
• Intro Balance Transfer Fees: $5 or 3% of the transfer amount, whichever is greater, for balance transfers completed within the first 4 months.
• Regular Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
• 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

• 24/7 customer service, contactless checkout, compatibility with digital wallets, zero liability protection, and fraud protection. Benefit from Mastercard ID Theft Protection for added peace of mind.

Terms and Conditions

Click Apply Now to see the terms and conditions.

Welcome Offer

Earn 70,000 bonus miles after spending $7,000 in the first three months.

Rewards

• Up to 5x Miles on American Airlines Purchases: Earn 4x miles per $1 spent on eligible American Airlines Purchases, and boost to 5x after spending $150,000 in a calendar year.
• 10x Miles on Hotels and Car Rentals: Earn 10x miles per $1 spent on eligible hotel bookings at aa.com/hotels and car rentals at aa.com/cars.
• 1x Mile on All Other Purchases.

Partner Benefits

• Up to $120 in Lyft Credits: Earn a $10 credit each month after 3 eligible Lyft rides, for up to $120 in credits per year.
• Up to $120 Back on Grubhub Purchases: Get up to $10 back each monthly billing cycle on eligible Grubhub purchases, for a total of up to $120 annually.

Lounge Access

• Admirals Club® Membership: Enjoy complimentary membership (valued up to $850), with access for immediate family or up to two guests.

Redemption Options

• Redeem AAdvantage® miles for flights, seat upgrades, car rentals, hotels, vacations, Admirals Club® access, and more.

Fees and APR

• Annual Fee: $595 for the primary Cardmember. $175 for up to 3 authorized users; $175 for each additional authorized user thereafter.
• Regular APR: 20.24% - 29.24% Variable APR.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Foreign Transaction Fee: None.

Travel Benefits

• Free Checked Bags: The primary Cardmember and up to 8 companions get their first checked bag free on domestic American Airlines flights.
• Global Entry/TSA PreCheck® Fee Reimbursement: Get up to $120 every four years for the application fee.
• Priority Airport Experience: Priority check-in, screening (where available), and boarding for you and up to 8 companions.
• Loyalty Points: Earn 1 Loyalty Point for every eligible AAdvantage® mile earned on purchases.
• Loyalty Points Bonuses: Earn 10,000 bonus Loyalty Points after reaching 50,000 points, and another 10,000 after reaching 90,000 points within a status year.
• Up to $120 Back on Prepaid Car Rentals: Earn up to $120 in statement credits per year on eligible prepaid Avis® and Budget rentals booked directly at avis.com or budget.com.
• 25% Savings on Inflight Purchases: Get 25% back on inflight food and beverage purchases on American Airlines flights when you pay with your card.
• Save 10% on Vacation Packages: Get 10% off eligible American Airlines vacation packages when booking through AAVacations.com.
• Other Travel Benefits: Includes Auto Rental Coverage, Trip Cancellation/Interruption Insurance, Lost Luggage Reimbursement, and Trip Delay Reimbursement.

Exclusive Offers

• Citi Entertainment®: Access exclusive experiences like presale tickets, VIP packages, and events for concerts, sports, dining, and more.
• Dedicated Concierge Service: Get personalized assistance with travel, shopping, entertainment, and dining arrangements.
• World Elite Mastercard® Benefits: Access exclusive offers on rideshares, food delivery, and online shopping, plus enjoy Priceless® experiences and events with your Mastercard®.

Additional Features

• Mastercard ID Theft Protection, Citi® Quick Lock, $0 Liability on Unauthorized Charges, Fraud Early Warning, Account Alerts, FICO® Score, Digital Wallets, and Contactless Pay.

Terms and Conditions

Click Apply Now to see the 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: 26.74% 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.

• 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: 19.49% - 27.49% Variable APR.
• 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: 20.24% - 29.24% Variable APR.
• 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: 19.49% - 27.49% Variable APR.
• Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
• Click ‘Apply Now’ to see the 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 17.74% - 27.74% 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: 18.74% - 28.74% 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: 20.24% - 28.24% 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 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 18.24% - 28.24% 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.

• 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 17.24% - 27.99% 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 18.24% - 28.99% 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.

• 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.