Browse the Best Citibank Credit Cards

Citibank’s credit cards are known for their generous introductory 0% offers, as well as for the issuer’s Thank-You and Double Cash rewards programs. Most of Citibank’s clientele has above average credit, but the company also issues secured and student cards. Browse our range of Citibank credit cards below.

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Showing 28 Cards

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Citi Custom Cash Card

Citi Custom Cash Card
  • Regular Purchase APR 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Cash Advance APR 25.24% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Intro Purchase APR 0% for 15 months from account opening date
  • Processing Network Mastercard
Best Benefits
  • 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
  • Earn $200 cash back after you spend $750 on purchases in the first 3 months of account opening
  • No annual fee
Rates & Fees
  • Intro Purchase APR: 0% for 15 months from account opening date
  • Regular Purchase APR: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 15 months from account opening date
  • Balance Transfer APR: 13.99% to 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each balance 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 the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
Credit Card Deals
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33% + Extra 10% off Hotel Stays Longer Than 7 Nights. OYO Hotels Offer Expires on Dec 12, 2021 See Details
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New Customers Offer – 15% off Your First Order of Contacts Plus Free shipping. Coastal.com Offer Expires on Jun 06, 2025 See Details
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Receive up to 50% off hotels in addition to a 1% rebate CheckINN Direct Offer Expires on Dec 12, 2030 See Details
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Save 15% Monster Offer Expires on Dec 12, 2030 See Details
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Enjoy 5% rebate on all online bookings, global pass memberships and all premium subscription Coworker Offer Expires on Dec 12, 2030 See Details
card
Save up to 20% Squarespace Offer Expires on Dec 12, 2030 See Details
card
Save $500.00 Alibaba Offer Expires on Dec 12, 2022 See Details
card
Episode 1: Discover tequila secrets with the founders of Volcán de mi Tierra PijamaSurf Offer Expires on Dec 12, 2021 See Details
card
Mix it up during an online cocktail masterclass with Archie Rose Distilling Co. Archie Rose Distilling Co. Offer Expires on May 05, 2022 See Details
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Be enchanted by the colours of Emilio Pucci Mastercard with Camera della Moda (CNMI) Offer Expires on Dec 12, 2021 See Details

Meijer Mastercard®

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% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Fair
  • Processing Network Mastercard
Best Benefits
  • 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
Rates & Fees
  • 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% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 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
  • Return Payment Penalty Fee: Up to $40
Credit Card Deals
card
33% + Extra 10% off Hotel Stays Longer Than 7 Nights. OYO Hotels Offer Expires on Dec 12, 2021 See Details
card
New Customers Offer – 15% off Your First Order of Contacts Plus Free shipping. Coastal.com Offer Expires on Jun 06, 2025 See Details
card
Receive up to 50% off hotels in addition to a 1% rebate CheckINN Direct Offer Expires on Dec 12, 2030 See Details
card
Save 15% Monster Offer Expires on Dec 12, 2030 See Details
card
Enjoy 5% rebate on all online bookings, global pass memberships and all premium subscription Coworker Offer Expires on Dec 12, 2030 See Details
card
Save up to 20% Squarespace Offer Expires on Dec 12, 2030 See Details
card
Save $500.00 Alibaba Offer Expires on Dec 12, 2022 See Details
card
Episode 1: Discover tequila secrets with the founders of Volcán de mi Tierra PijamaSurf Offer Expires on Dec 12, 2021 See Details
card
Mix it up during an online cocktail masterclass with Archie Rose Distilling Co. Archie Rose Distilling Co. Offer Expires on May 05, 2022 See Details
card
Be enchanted by the colours of Emilio Pucci Mastercard with Camera della Moda (CNMI) Offer Expires on Dec 12, 2021 See Details

Shell Fuel Rewards Mastercard

Shell Fuel Rewards Mastercard
  • Regular Purchase APR 26.49% variable based on the Prime Rate
  • Cash Advance APR 29.95% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good
  • Processing Network Mastercard
Best Benefits
  • 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
Rates & Fees
  • Regular Purchase APR: 26.49% variable based on the Prime Rate
  • Cash Advance APR: 29.95% variable based on the Prime Rate
  • 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
Credit Card Deals
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33% + Extra 10% off Hotel Stays Longer Than 7 Nights. OYO Hotels Offer Expires on Dec 12, 2021 See Details
card
New Customers Offer – 15% off Your First Order of Contacts Plus Free shipping. Coastal.com Offer Expires on Jun 06, 2025 See Details
card
Receive up to 50% off hotels in addition to a 1% rebate CheckINN Direct Offer Expires on Dec 12, 2030 See Details
card
Save 15% Monster Offer Expires on Dec 12, 2030 See Details
card
Enjoy 5% rebate on all online bookings, global pass memberships and all premium subscription Coworker Offer Expires on Dec 12, 2030 See Details
card
Save up to 20% Squarespace Offer Expires on Dec 12, 2030 See Details
card
Save $500.00 Alibaba Offer Expires on Dec 12, 2022 See Details
card
Episode 1: Discover tequila secrets with the founders of Volcán de mi Tierra PijamaSurf Offer Expires on Dec 12, 2021 See Details
card
Mix it up during an online cocktail masterclass with Archie Rose Distilling Co. Archie Rose Distilling Co. Offer Expires on May 05, 2022 See Details
card
Be enchanted by the colours of Emilio Pucci Mastercard with Camera della Moda (CNMI) Offer Expires on Dec 12, 2021 See Details

Shop Your Way Mastercard®

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
Best Benefits
  • 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
Rates & Fees
  • 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
Credit Card Deals
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33% + Extra 10% off Hotel Stays Longer Than 7 Nights. OYO Hotels Offer Expires on Dec 12, 2021 See Details
card
New Customers Offer – 15% off Your First Order of Contacts Plus Free shipping. Coastal.com Offer Expires on Jun 06, 2025 See Details
card
Receive up to 50% off hotels in addition to a 1% rebate CheckINN Direct Offer Expires on Dec 12, 2030 See Details
card
Save 15% Monster Offer Expires on Dec 12, 2030 See Details
card
Enjoy 5% rebate on all online bookings, global pass memberships and all premium subscription Coworker Offer Expires on Dec 12, 2030 See Details
card
Save up to 20% Squarespace Offer Expires on Dec 12, 2030 See Details
card
Save $500.00 Alibaba Offer Expires on Dec 12, 2022 See Details
card
Episode 1: Discover tequila secrets with the founders of Volcán de mi Tierra PijamaSurf Offer Expires on Dec 12, 2021 See Details
card
Mix it up during an online cocktail masterclass with Archie Rose Distilling Co. Archie Rose Distilling Co. Offer Expires on May 05, 2022 See Details
card
Be enchanted by the colours of Emilio Pucci Mastercard with Camera della Moda (CNMI) Offer Expires on Dec 12, 2021 See Details

Brooks Brothers Platinum Mastercard

Brooks Brothers Platinum Mastercard
  • Regular Purchase APR 24.99% variable based on the Prime Rate
  • Cash Advance APR 26.99% variable based on the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good , Fair
  • Processing Network Mastercard
Best Benefits
  • 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
Rates & Fees
  • Regular Purchase APR: 24.99% variable based on the Prime Rate
  • Cash Advance APR: 26.99% variable based on 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 amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
Credit Card Deals
card
33% + Extra 10% off Hotel Stays Longer Than 7 Nights. OYO Hotels Offer Expires on Dec 12, 2021 See Details
card
New Customers Offer – 15% off Your First Order of Contacts Plus Free shipping. Coastal.com Offer Expires on Jun 06, 2025 See Details
card
Receive up to 50% off hotels in addition to a 1% rebate CheckINN Direct Offer Expires on Dec 12, 2030 See Details
card
Save 15% Monster Offer Expires on Dec 12, 2030 See Details
card
Enjoy 5% rebate on all online bookings, global pass memberships and all premium subscription Coworker Offer Expires on Dec 12, 2030 See Details
card
Save up to 20% Squarespace Offer Expires on Dec 12, 2030 See Details
card
Save $500.00 Alibaba Offer Expires on Dec 12, 2022 See Details
card
Episode 1: Discover tequila secrets with the founders of Volcán de mi Tierra PijamaSurf Offer Expires on Dec 12, 2021 See Details
card
Mix it up during an online cocktail masterclass with Archie Rose Distilling Co. Archie Rose Distilling Co. Offer Expires on May 05, 2022 See Details
card
Be enchanted by the colours of Emilio Pucci Mastercard with Camera della Moda (CNMI) Offer Expires on Dec 12, 2021 See Details

L.L.Bean® Mastercard®

L.L.Bean® Mastercard®
  • Regular Purchase APR 14.99%, 18.99% or 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 14.99%, 18.99% or 23.99% 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
Best Benefits
  • 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
Rates & Fees
  • Regular Purchase APR: 14.99%, 18.99% or 23.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 14.99%, 18.99% or 23.99% 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
Credit Card Deals
card
33% + Extra 10% off Hotel Stays Longer Than 7 Nights. OYO Hotels Offer Expires on Dec 12, 2021 See Details
card
New Customers Offer – 15% off Your First Order of Contacts Plus Free shipping. Coastal.com Offer Expires on Jun 06, 2025 See Details
card
Receive up to 50% off hotels in addition to a 1% rebate CheckINN Direct Offer Expires on Dec 12, 2030 See Details
card
Save 15% Monster Offer Expires on Dec 12, 2030 See Details
card
Enjoy 5% rebate on all online bookings, global pass memberships and all premium subscription Coworker Offer Expires on Dec 12, 2030 See Details
card
Save up to 20% Squarespace Offer Expires on Dec 12, 2030 See Details
card
Save $500.00 Alibaba Offer Expires on Dec 12, 2022 See Details
card
Episode 1: Discover tequila secrets with the founders of Volcán de mi Tierra PijamaSurf Offer Expires on Dec 12, 2021 See Details
card
Mix it up during an online cocktail masterclass with Archie Rose Distilling Co. Archie Rose Distilling Co. Offer Expires on May 05, 2022 See Details
card
Be enchanted by the colours of Emilio Pucci Mastercard with Camera della Moda (CNMI) Offer Expires on Dec 12, 2021 See Details

Macy’s American Express® Card

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
Best Benefits
  • 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
Rates & Fees
  • 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
Credit Card Deals
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Spend $150 or more, get $30 back. Up to 2 times (total of $60). Ray-Ban.com Offer Expires on Dec 12, 2021 See Details
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Spend $225 or more, get $45 back DoubleTree by Hilton & Tapestry Offer Expires on Oct 10, 2021 See Details
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20% off nail lamps Nail Superstore Offer Expires on Dec 12, 2021 See Details
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40% off for 2 years Invoiced Offer Expires on Mar 03, 2022 See Details
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10% off your initial contract Signifyd Offer Expires on Dec 12, 2021 See Details
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Get $100 off your first order Faire Offer Expires on Dec 12, 2021 See Details
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40% off for up to 12 months Intuit QuckBooks Offer Expires on Jan 01, 2022 See Details
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Up to 50% off FedEx shipping FedEx Offer Expires on Dec 12, 2021 See Details
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Earn up to $1500 in Snap Ad credit Snap Offer Expires on Jan 01, 2022 See Details
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33% off a monthly subscription Ripl Offer Expires on Dec 12, 2021 See Details

Bloomingdale’s American Express® Card at the Top of the List

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
Best Benefits
  • 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)
Rates & Fees
  • 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
Credit Card Deals
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Spend $150 or more, get $30 back. Up to 2 times (total of $60). Ray-Ban.com Offer Expires on Dec 12, 2021 See Details
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Spend $225 or more, get $45 back DoubleTree by Hilton & Tapestry Offer Expires on Oct 10, 2021 See Details
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20% off nail lamps Nail Superstore Offer Expires on Dec 12, 2021 See Details
card
40% off for 2 years Invoiced Offer Expires on Mar 03, 2022 See Details
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10% off your initial contract Signifyd Offer Expires on Dec 12, 2021 See Details
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Get $100 off your first order Faire Offer Expires on Dec 12, 2021 See Details
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40% off for up to 12 months Intuit QuckBooks Offer Expires on Jan 01, 2022 See Details
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Up to 50% off FedEx shipping FedEx Offer Expires on Dec 12, 2021 See Details
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Earn up to $1500 in Snap Ad credit Snap Offer Expires on Jan 01, 2022 See Details
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33% off a monthly subscription Ripl Offer Expires on Dec 12, 2021 See Details

Bloomingdale’s American Express® Card

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
Best Benefits
  • 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)
Rates & Fees
  • 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
Credit Card Deals
card
Spend $150 or more, get $30 back. Up to 2 times (total of $60). Ray-Ban.com Offer Expires on Dec 12, 2021 See Details
card
Spend $225 or more, get $45 back DoubleTree by Hilton & Tapestry Offer Expires on Oct 10, 2021 See Details
card
20% off nail lamps Nail Superstore Offer Expires on Dec 12, 2021 See Details
card
40% off for 2 years Invoiced Offer Expires on Mar 03, 2022 See Details
card
10% off your initial contract Signifyd Offer Expires on Dec 12, 2021 See Details
card
Get $100 off your first order Faire Offer Expires on Dec 12, 2021 See Details
card
40% off for up to 12 months Intuit QuckBooks Offer Expires on Jan 01, 2022 See Details
card
Up to 50% off FedEx shipping FedEx Offer Expires on Dec 12, 2021 See Details
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Earn up to $1500 in Snap Ad credit Snap Offer Expires on Jan 01, 2022 See Details
card
33% off a monthly subscription Ripl Offer Expires on Dec 12, 2021 See Details

My Best Buy Visa Card

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% to 12.99% for select eligible purchases
  • Processing Network Visa
Best Benefits
  • 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
Rates & Fees
  • Intro Purchase APR: 0% to 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
  • Foreign Transaction Fee: See Terms
  • Late Payment Penalty Fee: Up to $40
Credit Card Deals
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Save $25 in the US with 1-800-GOT-JUNK? 1-800-GOT-JUNK? Offer Expires on Dec 12, 2021 See Details
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Get an exclusive upgrade to BarkBox for FREE. BarkBox Offer Expires on Dec 12, 2021 See Details
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Save $50 of orders $350 or more at Citizen Watch Citizen Watch Offer Expires on Jan 01, 2022 See Details
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Visa Signature and Visa Infinite Cardmembers receive benefits* at over 50 wineries. Valid for U.S. and Canada issued cards. Explore Sonoma County Wineries Offer Expires on Dec 12, 2021 See Details
card
Same-day delivery from a variety of stores you love. Shipt Offer Expires on Dec 12, 2024 See Details
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20% Off + Free Shipping over $50 for New Customers Vistaprint Offer Expires on Jan 01, 2022 See Details
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20% off + Free Shipping on Fanatics.com orders of $49+ Fanatics.com Offer Expires on Jan 01, 2022 See Details
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20% off your NFLShop.com order over $49. NFLShop.com Offer Expires on Dec 12, 2021 See Details
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30% Off Sitewide at Totes.com Totes Offer Expires on Apr 04, 2022 See Details
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30% Off sitewide at Isotoner.com Isotoner Offer Expires on Apr 04, 2022 See Details

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 EntertainmentCardholders 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 used 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:

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

Browse the Best Citibank Credit Cards of 2021

Trying to find your ideal Citi Card? BestCards.com has over 900 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!