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Showing 26 Cards
Date Reviewed: March 04, 2020
Meijer Mastercard®
- Regular Purchase APR 24.99% variable based on the Prime Rate
- Balance Transfer APR 24.99% variable based on the Prime Rate
- Cash Advance APR 27.99%
- Annual Fee None
- Credit Needed Fair
- Processing Network Mastercard
- Get $10 off your first purchase within 30 days of opening an account
- Earn an additional $10 reward for each $750 you spend
- Get cents off per gallon of Meijer gas
- No annual fee
- Regular Purchase APR: 24.99% variable based on the Prime Rate
- Balance Transfer APR: 24.99% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 27.99%
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of each transaction in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
Date Reviewed: January 27, 2020
Shell Fuel Rewards Mastercard
- Regular Purchase APR 26.49%, variable with the market based on the Prime Rate
- Cash Advance APR 29.95%
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network Mastercard
- Save 30 cents per gallon (up to 20 gallons) on your first five shell fuel purchases made by 10/31/2020
- Save up to 10 cents per gallon, on up to 20 gallons every time you fill up (5 cents per gallon with the card and 5 cents per gallon with Fuel Rewards Gold Status)
- Enjoy 10% Shell rebates on your first $1,200 Shell non-fuel purchases per year
- Enjoy 2% shell rebates on your first $10,000 Dining and Groceries purchases ber year
- Enjoy 1% Shell rebates on all other qualifying purchases
- Rebates are applied as a statement credit against Shell purchases made with your card in future billing cycles
- Regular Purchase APR: 26.49%, variable with the market based on the Prime Rate
- Cash Advance APR: 29.95%
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of each purchase transaction in U.S. Dollars
- Late Payment Penalty Fee: Up to $40
Date Reviewed: January 17, 2020
Shop Your Way Mastercard®
- Regular Purchase APR 25.24% variable based on the Prime Rate
- Balance Transfer APR 25.24% variable based on the Prime Rate
- Cash Advance APR 27.15% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network Mastercard
- Earn 5% on gas purchases
- Earn 3% on groceries and dining purchases
- Earn 2% on purchases at Sears and Kmart
- Earn 1% on purchases everywhere else
- Redeem your points with a Shop Your Way membership and access additional discounts and deals
- Regular Purchase APR: 25.24% variable based on the Prime Rate
- Balance Transfer APR: 25.24% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 27.15% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
Date Reviewed: January 14, 2020
Brooks Brothers Platinum Mastercard
- Regular Purchase APR 15.99%, 18.99%, or 22.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 23.24% to 24.24 variable based on creditworthiness and the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good , Fair
- Processing Network Mastercard
- No annual fee
- $50 off Brooks Brothers in-store purchase of $200 or more
- $20 anniversary bonus
- Earn up to 6X points based on My Brooks Reward Program Status
- Regular Purchase APR: 15.99%, 18.99%, or 22.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 23.24% to 24.24 variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction in U.S. dollars
- Late Payment Penalty Fee: Up to $40
Date Reviewed: December 30, 2019
L.L.Bean® Mastercard®
- Regular Purchase APR 13.99%, 16.99% or 19.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 13.99%, 16.99% or 19.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Good , Fair
- Processing Network Mastercard
- 4% back at L.L.Bean
- 2% back at restaurants
- 2% back at gas stations
- 1% back on all other purchases
- Free standard shipping & returns
- Free monogramming
- Regular Purchase APR: 13.99%, 16.99% or 19.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 13.99%, 16.99% or 19.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transfer, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
Date Reviewed: December 24, 2019
Macy’s American Express® Card
- Regular Purchase APR 25.24% variable based on the Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network American Express
- Receive $10 Star Money reward for every 1,000 points
- 3% back at restaurants
- 2% back at gas stations and supermarkets
- 1% back for all other purchases
- Automatic Silver status in Macy's Star Rewards
- 25% off all merchandise with Star Pass (1)
- Free shipping with no minimum purchase
- Annual birthday surprise
- Special travel upgrades and savings on airfare, hotel bookings, cruises, and more
- Entertainment Access: Priority tickets to Broadway, sporting events, and concerts
- Regular Purchase APR: 25.24% variable based on the Prime Rate
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 4% of the amount of each cash advance, whichever is greater.
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
Date Reviewed: December 24, 2019
Bloomingdale’s American Express® Card at the Top of the List
- Regular Purchase APR 25.24% variable based on the Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network American Express
- Receive $25 in rewards for every 5,000 points earned
- 4X points at Bloomingdale's
- 8X points on shoes, cosmetics, and fragrances from Bloomingdale's
- 4X points on all other purchases
- Choose your own Triple Point days (4)
- Free standard domestic shipping & returns
- Complimentary fur storage during the summer
- Early access to Friends & Family sale
- Exclusive Top of the List offers and events
- Free unlimited gift wrapping services (where available)
- Regular Purchase APR: 25.24% variable based on the Prime Rate
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 4% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
Date Reviewed: December 24, 2019
Bloomingdale’s American Express® Card
- Regular Purchase APR 25.24% variable based on the Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Processing Network American Express
- Receive $25 in rewards for every 5,000 points earned
- 3X points at Bloomingdale's
- 6X points on shoes, cosmetics, and fragrances from Bloomingdale's
- 3X points on all other purchases
- Choose your own Triple Point days (2)
- Regular Purchase APR: 25.24% variable based on the Prime Rate
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 4% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
Date Reviewed: November 27, 2019
My Best Buy Visa Card
- Regular Purchase APR 25.24% variable based on the Prime Rate
- Balance Transfer APR 25.24% variable based on the Prime Rate
- Cash Advance APR 27.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0%-12.99% for select eligible purchases
- Processing Network Visa
- No annual fee
- Special financing on select Best Buy purchases or 5% back
- 3x points on gas, groceries, and furniture stores
- 2x points on dining purchases
- 1x points on all other purchases
- Intro Purchase APR: 0%-12.99% for select eligible purchases
- Regular Purchase APR: 25.24% variable based on the Prime Rate
- Balance Transfer APR: 25.24% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greate
- Cash Advance APR: 27.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $15 or 5% of the amount of each transfer, whichever is greater
- Late Payment Penalty Fee: Up to $40
Date Reviewed: April 19, 2019
AT&T Access Card from Citi
- Regular Purchase APR 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.24% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Good , Fair
- Processing Network Mastercard
- Earn 10,000 bonus ThankYou® Points after making $1,000 in purchases within 3 months from account opening
- Earn 2 points per $1 on purchases at eligible retail and travel websites, as well as on products and services directly purchased from AT&T
- Earn 1 point per $1 on all other purchases
- Redeem your ThankYou® Points for statement credits, gift cards, electronics, or travel rewards; No annual fee
- Regular Purchase APR: 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 13.99% to 22.99% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 25.24% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Penalty APR: Up to 29.99% variable based on creditworthiness and the Prime Rate
- Foreign Transaction Fee: 3% of each purchase transaction in US dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
Citi Credit Cards
Citibank is the largest credit card issuer in the United States. Citi currently has over 95 million credit cardholders, with credit cards for almost every budget and use. The Citi credit card suite includes cash back credit cards, travel credit cards, and co-branded credit cards from airlines, hotels, and leading brands. Citi business credit cards also offer exceptional value and are extremely popular.
Citibank Credit Card Benefits
Citibank offers a variety of benefits unique to their credit cards:
- Citi® Concierge: Citi Concierge provides 24/7 access to assistance with travel, dining, shopping, entertainment, and more.
- Citi Entertainment℠: Cardholders gain exclusive access to tickets for thousands of popular events. This includes unique experiences and presale events for concerts, sporting events, and more.
- Customer Service: Citi, like Discover, is known for its excellent customer service.
Other Citi credit card features include:
- Zero fraud liability
- Virtual account numbers
- Free FICO Score access
- Citi Quick Lock
- Citi identity theft protection
- Fraud alerts
What to Look for In a Citi Credit Card
As with other credit cards, before applying for a Citi Card, be sure to consider the following:
- Annual Fee: Does the credit card charge a yearly fee? Rewards cards – especially travel rewards cards – sometimes come with hefty annual fees. Always be sure you’ll get enough value from the travel perks, credits, and benefits to justify that yearly cost.
- APR: Always check the interest rates before applying. The better your credit score, the better the rate you can expect. Does the card offer a 0% intro APR period? Cards that provide an interest-free introductory period are ideal for those who plan to make an expensive purchase or have a balance they wish to pay down.
- Rewards: If you are considering a rewards card, what type of awards does it offer? Pay close attention to how you’ll earn reward points. This is especially important with Citi Cards that earn ThankYou points. ThankYou points feature two tiers, so carefully consult our guide before selecting your Citi rewards card.
Citi ThankYou Rewards Guide
Citi ThankYou is the rewards program for Citibank credit cards. ThankYou Rewards is unique in that it features two tiers – basic and deluxe. While these aren’t the terms sued by the bank, they are appropriate given the value of each point with the two – and the redemption options available.
Citibank Credit Cards That Earn ThankYou Points
Citi issues a wide variety of credit cards, including co-branded cards from leading airlines, hotels, and brands. Only certain credit cards earn ThankYou points:
- Citi Rewards+℠ Card
- Citi Premier℠ Card
- Citi Prestige℠ Card
- Citi Rewards+℠ Student Card
- AT&T Access Card from Citi
Citi’s application rules stipulate that cardholders can only earn signup bonuses on one card in each family of Citi cards. This means that only one application for the above cards will receive a signup bonus. Because of this, always take the time to compare Citi credit card offers before applying carefully.
How to Earn Citi ThankYou Points
Citibank Credit Cards with ThankYou rewards earn points on qualifying purchases. Like other issuers, this includes extra points on qualifying purchase categories. Other options for earning ThankYou points include referral bonuses, earning extra points through limited time offers, or making purchases with select partners through the Citi ThankYou portal.
Value of Citi ThankYou Points
Citi ThankYou points fall into two categories. The first category, “basic” ThankYou points, has a value of one cent per point. Cards that offer points that feature value of one cent per point include the Citi Rewards+℠ Card, Citi Rewards+℠ Student Card, and the AT&T Access Card from Citi.
These points can’t be transferred to Citi travel partners. Instead, the basic points apply to statement credits, gift cards, and other awards.
All other Citibank ThankYou credit cards allow points transfers to Citi travel partners. Because of their transferability, these “deluxe” ThankYou points have a value of 1.7 cents per point. Additionally, ThankYou points expire three years from the end of the year in which they are earned.
Redeeming Citi ThankYou Rewards Points
As mentioned, basic ThankYou points apply towards the following redemption options:
- Cash Back: Cash back applies to cash rewards, statement credits, and mortgage and student loan payments for Citi loans.
- Gift Cards: Citi rewards apply to gift cards from over 100 leading retailers and brands.
- Shopping: Cardholders can use ThankYou points to shop with Amazon, Best Buy, Expedia, PayPal, or 1-900-FLOWERS.
- Charity: Cardholders can also use their points to make donations to the American Red Cross or Smile Train.
ThankYou Rewards points also apply to travel bookings through the ThankYou from Citi travel portal. Reservations through the portal apply towards flights, hotels, cruises, and rental cars. Pints also apply to select activities. The two premium Citi travel cards, the Citi Premier℠ Card and the Citi Prestige℠ Card offer the best value when booking travel (up to 1.7 cents per point)
Citi Transfer Partners
Citibank offers point transfers to 15 airline partners. These point transfer partners are at a 1:1 ratio, making them a great value for those who are also a member of the frequent flyer program of ana associate carrier. The following are Citi ThankYou transfer partners:
- Air France/ KLM
- Avianca
- Cathay Pacific
- Etihad
- EVA Air
- Garuda Indonesia
- Jet Airways
- JetBlue
- Malaysia Airlines
- Qantas
- Qatar Airways
- Singapore Airlines
- Thai Airways
- Turkish Airlines
- Virgin Atlantic
Most point transfer partners also transfer instantaneously, with only Etihad, EVA Air, Garuda, Qantas, Qatar, and Thai Airways transfers taking longer than a day.
Browse the Best Citibank Credit Cards of 2020
Trying to find your ideal Citi Card? BestCards.com has over 800 comprehensive and impartial reviews to help you find your perfect card.
Browse offers from leading credit card issuers – big and small – from across the United States. Check out our reviews, learn with our essential news and advice resources, and use our card comparison tool. Ready to get started? Let’s find your best card today!
