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Citi® Diamond Preferred® Card
- Regular Purchase APR 15.99% - 25.99% (Variable)
- Balance Transfer APR 15.99% - 25.99% (Variable)
- Cash Advance APR 27.49% (Variable)
- Annual Fee $0
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for 12 months on Purchases
- Processing Network Mastercard
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 15.99% - 25.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- Intro Purchase APR: 0% for 12 months on Purchases
- Regular Purchase APR: 15.99% - 25.99% (Variable)
- Intro Balance Transfer APR: 0% for 21 months on Balance Transfers
- Balance Transfer APR: 15.99% - 25.99% (Variable)
- Balance Transfer Transaction Fee: 5% of each balance transfer; $5 minimum.
- Cash Advance APR: 27.49% (Variable)
- Cash Advance Transaction Fee: 5% of each cash advance; $10 minimum
- Penalty APR: Up to 29.99% (Variable)
- Annual Fee: $0
- Foreign Transaction Fee: 3%
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
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Join today!Citi Simplicity® Card
- Regular Purchase APR 16.99% - 26.99% (Variable)
- Balance Transfer APR 16.99% - 26.99% (Variable)
- Cash Advance APR 27.49% (Variable)
- Annual Fee $0
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for 12 months on Purchases
- Processing Network Mastercard
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 16.99% - 26.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.
- Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges
- Intro Purchase APR: 0% for 12 months on Purchases
- Regular Purchase APR: 16.99% - 26.99% (Variable)
- Intro Balance Transfer APR: 0% for 21 months on Balance Transfers
- Balance Transfer APR: 16.99% - 26.99% (Variable)
- Balance Transfer Transaction Fee: 5% of each balance transfer; $5 minimum.
- Cash Advance APR: 27.49% (Variable)
- Cash Advance Transaction Fee: 5% of each cash advance; $10 minimum
- Annual Fee: $0
- Foreign Transaction Fee: 3%
- Late Payment Penalty Fee: No Late Fee
- Return Payment Penalty Fee: Up to $41
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Join today!Citi® Double Cash Card – 18 month BT offer
- Regular Purchase APR 16.24% - 26.24% (Variable)
- Balance Transfer APR 16.24% - 26.24% (Variable)
- Cash Advance APR 27.49% (Variable)
- Annual Fee $0
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Mastercard
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- To earn cash back, pay at least the minimum due on time.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Regular Purchase APR: 16.24% - 26.24% (Variable)
- Intro Balance Transfer APR: 0% for 18 months on Balance Transfers
- Balance Transfer APR: 16.24% - 26.24% (Variable)
- Balance Transfer Transaction Fee: 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening.
- Cash Advance APR: 27.49% (Variable)
- Cash Advance Transaction Fee: 5% of each cash advance; $10 minimum
- Penalty APR: Up to 29.99% (Variable)
- Annual Fee: $0
- Foreign Transaction Fee: 3%
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
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Join today!Citi Custom Cash℠ Card
- Regular Purchase APR 16.24% - 26.24% (Variable)
- Balance Transfer APR 16.24% - 26.24% (Variable)
- Cash Advance APR 27.49% (Variable)
- Annual Fee $0
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for 15 months on Purchases
- Processing Network Mastercard
- Earn $200 in cash back after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness.
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
- No rotating bonus categories to sign up for - as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- No Annual Fee
- Citi will only issue one Citi Custom Cash℠ Card account per person.
- Intro Purchase APR: 0% for 15 months on Purchases
- Regular Purchase APR: 16.24% - 26.24% (Variable)
- Intro Balance Transfer APR: 0% for 15 months on Balance Transfers
- Balance Transfer APR: 16.24% - 26.24% (Variable)
- Balance Transfer Transaction Fee: 5% of each balance transfer; $5 minimum.
- Cash Advance APR: 27.49% (Variable)
- Cash Advance Transaction Fee: 5% of each cash advance; $10 minimum
- Penalty APR: Up to 29.99% (Variable)
- Annual Fee: $0
- Foreign Transaction Fee: 3%
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
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Join today!Citi Rewards+® Card
- Regular Purchase APR 15.74% - 25.74% (Variable)
- Balance Transfer APR 15.74% - 25.74% (Variable)
- Cash Advance APR 27.49% variable based on the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Intro Purchase APR 0% for 15 months from account opening date
- Processing Network Mastercard
- Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
- For a limited time, earn 5 ThankYou® Points per $1 spent on air travel and hotels up to $6,000 in the first 12 months and then 1 ThankYou® Points per $1 spent thereafter.
- 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 15.74% - 25.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
- Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
- The standard variable APR for Citi Flex Plan is 14.99% - 24.99%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
- Intro Purchase APR: 0% for 15 months from account opening date
- Regular Purchase APR: 15.74% - 25.74% (Variable)
- Intro Balance Transfer APR: 0% for 15 months on transfers made within 4 months from account opening date
- Balance Transfer APR: 15.74% - 25.74% (Variable)
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 27.49% 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 the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
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Join today!Citi Premier® Card
- Regular Purchase APR 18.24% - 26.24% (Variable)
- Balance Transfer APR 18.24% - 26.24% (Variable)
- Cash Advance APR 27.49% variable based on the Prime Rate
- Annual Fee $95
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent
- Processing Network Mastercard
- For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
- Earn 3 Points per $1 spent at Restaurants and Supermarkets
- Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
- Earn 1 Point per $1 spent on all other purchases
- Annual Hotel Savings Benefit
- 80,000 Points are redeemable for $800 in gift cards when redeemed at thankyou.com
- No expiration and no limit to the amount of points you can earn with this card
- No Foreign Transaction Fees on purchases
- Regular Purchase APR: 18.24% - 26.24% (Variable)
- Balance Transfer APR: 18.24% - 26.24% (Variable)
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 27.49% 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 Prime Rate
- Annual Fee: $95
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
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Join today!Citi® Secured Mastercard®
- Regular Purchase APR 24.74% (Variable)
- Balance Transfer APR 24.74% (Variable)
- Cash Advance APR 27.49% variable based on the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.No Credit Required
- Processing Network Mastercard
- The Citi® Secured Mastercard® is a no annual fee credit card that helps you build your credit when used responsibly
- Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus. Once available, you will also have free access to your FICO score online
- Use your card anywhere Mastercard® is accepted - worldwide
- A security deposit is required. Once approved, your credit limit will be equal to your security deposit (minimum of $200)
- Get help staying on track with Auto Pay and account alerts
- With Flexible Payment Due Dates, you can choose any available due date in the beginning, middle or end of the month
- Manage your account 24/7 online, by phone, or in our mobile app
- The standard variable APR for Citi Flex Plan is 23.99%. Citi Flex Plan offers are made available at Citi's discretion.
- Regular Purchase APR: 24.74% (Variable)
- Balance Transfer APR: 24.74% (Variable)
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 27.49% 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 your creditworthiness and the Prime Rate
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- Minimum Deposit Required: $200
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Join today!American Airlines AAdvantage MileUp℠ Card
- Regular Purchase APR 18.24% - 27.24% (Variable)
- Balance Transfer APR 18.24% - 27.24% (Variable)
- Cash Advance APR 27.49% variable based on the Prime Rate
- Annual Fee None
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Mastercard
- Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening
- No Annual Fee
- Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services
- Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
- Earn 1 AAdvantage® mile for every $1 spent on other purchases
- Earn 1 Loyalty Point for every 1 eligible mile earned from purchases
- Save 25% on inflight food and beverage purchases when you use your card on American Airlines flights
- The standard variable APR for Citi Flex Plan is 17.49% - 26.49% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- Regular Purchase APR: 18.24% - 27.24% (Variable)
- Balance Transfer APR: 18.24% - 27.24% (Variable)
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 27.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Penalty APR: Up to 29.99% variable based on creditworthiness and the Prime Rate
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
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Join today!Citi® AAdvantage® Platinum Select® World Elite™ Mastercard®
- Regular Purchase APR 18.24% - 27.24% (Variable)
- Balance Transfer APR 18.24% - 27.24% (Variable)
- Cash Advance APR 27.49% variable based on the Prime Rate
- Annual Fee $0 for the first year. After that, $99
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Mastercard
- Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening
- Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases
- Earn 1 Loyalty Point for every 1 eligible mile earned from purchases
- Earn a $125 American Airlines Flight Discount after you spend $20,000 or more in purchases during your card membership year and renew your card
- No Foreign Transaction Fees
- First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation
- Enjoy preferred boarding on American Airlines flights
- The standard variable APR for Citi Flex Plan is 17.49% - 26.49% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- Regular Purchase APR: 18.24% - 27.24% (Variable)
- Balance Transfer APR: 18.24% - 27.24% (Variable)
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 27.49% 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
- Annual Fee: $0 for the first year. After that, $99
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
Browse these credit card deals and thousands of other offers by becoming a Bestcards Member.
Join today!CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
- Regular Purchase APR 18.24% - 27.24% (Variable)
- Cash Advance APR 27.49% variable based on the Prime Rate
- Annual Fee $0 for the first 12 months. After that, $99
-
Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good
- Processing Network Mastercard
- Designed for businesses
- Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
- First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line.
- 25% savings on American Airlines inflight Wi-Fi when you use your card
- Enjoy preferred boarding on American Airlines flights
- Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases, and on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations
- Earn 1 AAdvantage® mile per $1 spent on other purchases
- Earn 1 Loyalty Point for every 1 eligible mile earned from purchases
- No Foreign Transaction Fees
- Regular Purchase APR: 18.24% - 27.24% (Variable)
- Cash Advance APR: 27.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is higher
- Penalty APR: Up to 29.99% variable based on creditworthiness and the Prime Rate
- Annual Fee: $0 for the first 12 months. After that, $99
- Late Payment Penalty Fee: $41
- Return Payment Penalty Fee: $41
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Join today!You've viewed 10 of 32 credit cards
The information related to the Citi Rewards+® Card, Citi Premier® Card, Citi® Secured Mastercard®, American Airlines AAdvantage® MileUp℠ Card, Citi® AAdvantage® Platinum Select® World Elite™ Mastercard®, CitiBusiness® / AAdvantage® Platinum Select® Mastercard®, Citi® / AAdvantage® Executive World Elite Mastercard®, Costco Anywhere Visa® Card by Citi, Costco Anywhere Visa® Business Card by Citi, Birch Lane Mastercard, AllModern Mastercard®, Wayfair Mastercard®, Joss & Main Mastercard®, Meijer Mastercard®, Shell Fuel Rewards Mastercard, Shop Your Way Mastercard®, Brooks Brothers Platinum Mastercard, L.L.Bean® Mastercard®, Macy’s American Express® Card, Bloomingdale’s American Express® Card at the Top of the List, Bloomingdale’s American Express® Card, My Best Buy Visa Card, AT&T Access Card from Citi, ExxonMobil™ Smart Card, Expedia® Rewards Voyager Card from Citi, Expedia® Rewards Card, Citi Rewards+ Student Card, and Citi Prestige® Card has been collected by BestCards.com and has not been reviewed or provided by the issuer or provider of this product or service.
About Citibank 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.
Common Benefits of Citi Credit Cards
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.
- Citi Merchant Offers: Citi Merchant Offers is like Amex offers or Chase offers in that it provides Citi credit card members with offers for a specific merchant and then receive a rebate in the form of cash or points when using the card for eligible purchases.
- 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 Should You 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.
FAQs About Citi
Here are answers to some common questions about Citibank:
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.
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
- Citi Merchant Offers are select deals and savings offered to select Citi credit cardmembers.
- Per Citi: Click on “Services,” then “Products & Offers.” Browse to the “Merchant Offers” section at the bottom of the page and select “See all” to see the offers on your eligible Citi cards.
Yes. All credit and debit cards must be activated before use. Activating a Citi card is simple, and can be done though the Citi mobile app or by calling the number on the back of the card
- Citi’s credit card statements are easy to read and compare to other statements by major banks. The statement can be downloaded and manually searched online, or cardmembers can scan the statement for vendor information.
When a credit card declines it usually means one of several things:
- you are over your credit card limit
- Your bank or payment network suspects fraud
- You are attempting to make a purchase that violates the card’s terms of service
If a transaction on your credit card is declined, call Citi Customer Service at 1-800-950-5114 (TTY: 1-800-325-2865 for hearing and speech impaired services only)
- Citi credit cards should be activated online and will not require a pin unless attempting a cash advance. This process can be set up after the card is received and used.
The Ultimate Guide to Citi ThankYou Rewards
Citi ThankYou is the rewards program for Citibank credit cards. Users earn points when using 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 used by the bank, they are appropriate given the value of each point with the two – and the redemption options available.
Which Citi Credit Cards 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, however. Here is a list of all Citi credit cards that earn ThankYou Rewards points:
*Citi Prestige Card is not available for new applicants
Cash Back Cards That Earn ThankYou Points
The Citi Custom Cash and the Citi Double Cash also earn ThankYou Rewards points, but as cash back. These points are redeemable for statement credits, cash back, gift cards, and other similar rewards, but not for travel or other award options – unless the accountholder has another Citi ThankYou Rewards credit card that earns full-fledged points.
How to Earn ThankYou Rewards
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 purchasing with select partners through the Citi ThankYou portal.
Here’s how the current ThankYou point credit cards earn their best rewards:
- 3X ThankYou® Points per dollar spent at restaurants, supermarkets, gas stations, air travel and hotels
- 1X ThankYou® Point per dollar spent on all other purchases
- 2X ThankYou® Points per $1 spent at supermarkets and gas stations for the first $6,000 per year and 1 point per $1 spent thereafter
- 1X ThankYou® Point per $1 spent on all other purchases
- 2X ThankYou® Points per $1 spent at supermarkets and gas stations for the first $6,000 per year and 1 point per $1 spent thereafter
- 1X ThankYou® Point per $1 spent on all other purchases
- Earn 5% cash back on your highest eligible spend category each billing cycle up to the first $500 spent and 1% cash back thereafter
- Earn 1% back on all other purchases
How to Combine ThankYou Points
As mentioned, not all ThankYou point credit cards earn the same rewards. Like the Double Cash and Citi Custom Cash, some cards earn ThankYou points that do not apply towards travel or other redemption options.
This restriction isn’t a fast and hard rule, however. Cardholders can combine all their Citi ThankYou points provided all the accounts are owned by the same person. You can also combine ThankYou Rewards points by calling Citi at 1-800-THANKYOU (1-800-842-6596) and speaking with a customer service representative.
Once points are combined, they apply to any Citi ThankYou Rewards credit card. Cardholders can then use points to travel, transfer points to a Citi partner, or any other available option.
Can You Share 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 one cent per point value 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.
What are Points Worth?
Just how valuable are Citi ThankYou Points? Here is how Citi stacks up versus the other major issuer loyalty programs:
| Program | Value (cents/point) |
|---|---|
| American Express Membership Rewards | 1.5 |
| Bank of America Premium Rewards | 1 |
| Brex | 1.7 |
| Capital One Rewards | 1.5 |
| Citi ThankYou Rewards | 1.6 |
| Chase Ultimate Rewards | 1.5 |
| Discover Miles | 1 |
| U.S. Bank FlexPerks | 1.6 |
| Wells Fargo Go Far Rewards | 1.4 |
| CU Rewards | 1 |
How to Redeem Citi Rewards Points
ThankYou points apply towards the following redemption options:
- Cash Back: Cash back applies to cash rewards as statement credits.
- 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 1-800-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. Points 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).
Ciiti Transfer Partners
Citibank offers point transfers to 17 airline and hotel partners. Many of 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 an associate carrier. The following are Citi ThankYou transfer partners:
| Aeromexico Club Premier | Choice Privileges | Air France KLM Flying Blue |
| American Airlines AAdvantage | Emirates Skywards | InterMiles |
| Asia Miles | EVA Air Infinity MileageLands | JetBlue TrueBlue |
| Aviatica LifeMiles | Etihad Guest | Malaysia Airlines Enrich |
| Qantas Frequent Flyer | Thai Airways Royal Orchid Plus | Turkish Airlines Miles&Smiles |
| Qatar Airways Privilege Club | Sears Shop Your Way | Singapore Airlines KrisFlyer |
| Virgin Atlantic Flying Club |
FAQs About Citi ThankYou Points
Here are answers to some common questions about Citibank and its ThankYou Rewards program:
Yes. Citi ThankYou Rewards might not have the name appeal of Amex Membership Rewards or Chase Ultimate Rewards, but dedicated travelers can find significant value with the program.
- ThankYou Rewards will expire three years from the end of the year in which they are awarded
Per Citi:
- Transact using your Citi Credit Card.
- An SMS will be sent with a redemption link to your mobile number registered with Citi.
- Click on the link and select the number of points to redeem.
- Upon confirmation of successful redemption the credit against points redeemed will show in your next statement.
Yes. Points apply for hotel stays, airline tickets, rental cars, and more.
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