Browse the Best Citibank Credit Cards

 

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:

• $0 liability on unauthorized charges
• Virtual account numbers
• Free FICO Score access
• Citi Quick Lock
• Citi identity theft protection
• Fraud alerts
• Citi (cards like the Costco Card, for example) cards feature travel protection

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. Users earn points when they use their Citi credit cards to make a payment anywhere Citibank credit cards are accepted worldwide. 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.

FAQs About Citi

Here are answers to some common questions about Citibank:

What is a Citi Flex Loan?

Citi Flex Loans allows eligible cardholders to “handle life’s expected and unexpected expenses.” The loan process features:

• Fixed-APR for the duration of the loan
• No application process, as the loan ties into an existing Citibank credit card account
• No hard inquiries and no loan origination fees
• Flexible payment timetables allow users to select their payment amount and terms

For more information on Citi Flex Loans and Citi Flex Pay, check out our Flex Pay guide.

What’s the routing number for Citibank?

Citibank’s routing number depends on where you open your Citi account. Below are the routing numbers for Citi accounts in different states:

• Northern California: 321171184
• Southern California: 322271724
• Connecticut: 221172610
• Delaware: 31100209
• Florida: 266086554
• Illinois: 271070801
• Maryland: 52002166
• Nevada: 322271724, 322271779, or 321070007
• New Jersey: 21272655
• New York: 21000089
• South Dakota: 21000089
• Texas: 113193532
• Virginia: 254070116
• Washington DC: 254070116

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!