When you buy something using this page, we may earn a small affiliate commission. The Los Angeles Times newsroom was not involved in the creation of this content.

Best Citi Credit Cards of 2023

  • See why Citi is one of the top credit card companies today
  • Find out if a Citi card is right for you
  • Learn how to apply for a Citi credit card
  • Get advice on how to choose a Citi card
Product Hero Image
Holly D. Johnson - Contributor Updated: 26 January 2023 8 Min Read
Reviewed By Bestcovery - Editorial Team
Why Trust Us?

Citi is one of the top credit card issuers on the market today, and it’s easy to see why. In addition to their robust selection of co-branded credit cards with American Airlines and Costco, Citi offers popular cash back credit cards and travel credit cards with generous earning rates. Some Citi cards even earn flexible Citi ThankYou points, which can be transferred to a broad selection of airline and hotel partners.

If you’re looking for a new credit card and considering Citi cards in particular, you should take the time to compare their industry-leading cards to options from other issuers. In the meantime, you’ll want to think about the type of credit card you want and need, whether you are after in-flight benefits or you want to earn cash back you can redeem however you want.

This guide highlights the best Citi credit cards on the market today with an emphasis on their rewards and perks.

Our picks for the best Citibank credit cards

Best Citi Credit Cards of 2023

Learn more about your credit card options
Product Hero Image
Advertiser Disclosure

Citi® Double Cash Card

Best for Earning Cash Back

Why we like it

The Citi® Double Cash Card has a lot going for it, including its 2% cash back rate with no annual fee required. Also be aware that, as of March 28, 2022, cash back earned with this card is doled out in the form of Citi ThankYou Points. These Citi rewards points can be used for flexible options like merchandise, gift cards, travel through Citi or point transfers to airline and hotel partners.

While this credit card is geared to consumers who want to earn cash back on their purchases, it also has an intro APR offer for balance transfers. Specifically, cardholders can enjoy 0% APR on balance transfers for 18 months, followed by a standard variable APR of 14.24% to 24.24%. Note that consumers who transfer a balance will pay a 3% (minimum $5) balance transfer fee.

Citi® Double Cash Card

PROS

  • Earns flexible Citi rewards points
  • Excellent 2% flat rate on all purchases
  • Intro APR offer for balance transfers
  • No annual fee

CONS

  • Intro APR offer does not apply to purchases
  • High regular APR for spending
  • No welcome offer during the first few months of account opening
  • Charges foreign transaction fees
  • 3% (minimum $5) balance transfer fee for balance transfers
  • Low approval odds if you have poor credit

Rewards rate

The Citi® Double Cash Card offers flat-rate cash back rewards in two separate tiers. Cardholders earn 2% cash back total on all their purchases — 1% when a purchase is made and another 1% when purchases are paid off.

Citi Simplicity® Credit Card

Best for Balance Transfers

Why we like it

While the Citi Simplicity® Credit Card doesn’t offer cash back or flexible rewards points, it does offer one of the best intro APR offers for balance transfers. New cardholders qualify for 0% APR on purchases for 12 months and 0% APR on balance transfers for 21 months. After each of these intro offers ends, customers pay a standard variable APR of 14.99% to 24.99% based on their creditworthiness.

This introductory APR offer can be particularly helpful for consumers who need to transfer balances from other high interest credit cards. With 21 months to pay off debt, consumers can save considerable amounts of money on credit card interest and pay down balances faster. Also note that the Citi Simplicity® Credit Card doesn’t charge an annual fee, any late fees or a penalty APR. However, a 5% (minimum $5) balance transfer fee will apply.

Citi Simplicity® Credit Card

PROS

  • 0% intro APR for balance transfers lasts 21 months
  • No annual fee
  • No late fees or penalty APR

CONS

  • No ongoing rewards or sign-up bonus
  • Interest-free offer for purchases only lasts 12 months
  • High regular APR after intro offer ends
  • Charges foreign transaction fees
  • High balance transfer fee of 5% (minimum $5) applies
  • Low approval odds if you have poor credit

Rewards rate

The Citi Simplicity® Credit Card is a balance transfer credit card geared to consumers who need to consolidate high interest debt from other cards. As a result, this Citi credit card doesn’t offer any rewards.

Citi Premier® Card

Best for Travel Rewards on Everyday Purchases

Why we like it

We like the Citi Premier® Card for a few reasons, including the fact you earn 3x points in so many everyday spending categories. You should also note that this card earns Citi ThankYou points, which can be redeemed for gift cards, payments toward a student loan or a mortgage, statement credits, travel through Citi or transfers to Citi airline and hotel partners.

Citi Premier® Card

PROS

  • Excellent rewards categories

CONS

  • Fewer cardholder perks and travel credits than other cards Less popular

Earning travel rewards

As a cardholder, you get the chance to earn unlimited 3x points on restaurant spending, gas purchases, supermarket spending, air travel, and hotels. Cardholders also earn 1x points on other purchases.

Costco Anywhere Visa® Card by Citi

Best for Gas Purchases

Why we like it

If you’re looking for a card that rewards you for spending at gas stations, look no further than the Costco Anywhere Visa® Card by Citi. This card gives you 4% cash back on up to $7,000 spent at gas stations each year (then 1% back). Cardholders also earn generous rewards on dining and travel, when they shop at Costco or Costco.com and as they make other purchases.

Rewards earned with this card are given out as a reward certificate once per year, which can be used for merchandise in Costco warehouse stores. Cardholders can also use their rewards card as their Costco membership card. This card doesn’t charges an annual fee, although a Costco membership is required.

Costco Anywhere Visa® Card by Citi

PROS

  • Excellent rewards-earning potential at gas stations
  • No foreign transaction fees

CONS

  • Costco membership required
  • No sign-bonus
  • Annual cap ($7,000) on bonus rewards at gas stations
  • Rewards are only issued once per year when your February statement closes
  • Low approval odds if you have poor credit

Rewards rate

The Costco Anywhere Visa® Card by Citi offers 4% cash back on eligible purchases at gas stations, including gas at Costco, for the first $7,000 spent each year (then 1% back). Cardholders also earn 3% back on restaurants and eligible travel purchases, 2% cash back at Costco and Costco.com and 1% back on all other purchases.

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

Best for Frequent Flyers

Why we like it

If you’re looking for an easy-to-use airline credit card that lets you earn bonus miles for flights around the world, the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® should be on your list. This card lets users earn bonus miles on American Airlines purchases, dining out and gas purchases, and it doesn’t charge any foreign transaction fees.

Cardholders also get several air travel benefits including a free checked bag when they fly with American Airlines, a 25% discount on in-flight purchases and preferred boarding that makes check-in at the gate a better experience. Cardmembers can also earn a $125 American Airlines flight discount after spending at least $20,000 on their card within a year and renewing their card.

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

PROS

  • Qualify for air travel perks like free checked bags and discounts on in-flight purchases
  • Redeem miles for flights to more than 1,000 destinations worldwide
  • No foreign transaction fees

CONS

  • High variable APR for spending regardless of creditworthiness
  • Low rewards rate for other purchases
  • Annual fee applies after the first year
  • Low approval odds if you have poor credit

Rewards rate

The Citi® / AAdvantage® Platinum Select® World Elite Mastercard® offers 2X miles on American Airlines purchases as well as all spending at restaurants and gas stations. All other purchases rack up 1X bonus miles for each dollar spent.

New cardholders also get the chance to earn 50,000 bonus miles after spending $2,500 on purchases within three months of account opening.

Compare Citi Credit Cards

Learn about the top credit cards
Product Hero Image

About Citibank

Citi was originally founded in 1812, so this financial institution has been in operation for more than 200 years.

In addition to offering an array of credit cards, Citi offers additional financial products such as checking and savings accounts, mortgages, and personal loans.

When it comes to their credit card offerings, Citi offers options for both consumers and small businesses. While some of their card options are co-branded with organizations like American Airlines and Costco, they also have their own Citi rewards program.

Benefits of choosing a Citi card

As you take a closer look at Citi credit cards, you may be wondering why you should choose them over other cards from issuers like Chase and American Express.

The fact is, there are a variety of perks you can only get with a Citi card, including the following:

Citi credit card rewards

Like other credit card issuers, Citi offers credit cards that earn different types of rewards points.

Depending on the Citi card you choose, you could earn cash back, bonus miles in the American Airlines program, or Citi ThankYou points. With the Costco Anywhere Visa® Card by Citi, on the other hand, cardholders earn an annual reward certificate they can use for purchases in Costco stores.

Which type of Citi rewards work best for you? That really depends on your preferences and the type of redemptions you hope to make.

For example, cash back is a good option for people who rarely travel, yet Citi ThankYou points work better for people who travel often or just want some flexibility in how they redeem their rewards. At the same time, miles in the American Airlines program are best for cardholders who want to fly with American Airlines or with partner airlines like British Airways, Cathay Pacific, Finnair, or Iberia.

Who should get a Citi card?

Now that you’re up-to-date with the best Citi credit cards, you’re probably wondering if any of these cards can work for your needs and goals.

The following types of consumers should consider a Citi credit card:

Frequent travelers

Frequent travelers who want some flexibility in their rewards should look at cards that earn Citi ThankYou points. This dynamic and flexible rewards program lets users redeem points for a variety of travel redemptions if they prefer, which can include travel booked through Citi or point transfers to airlines and hotels.

Consumers who crave cash back

Citi offers some of the best cash back credit cards available today, including the Citi® Double Cash Card and the Citi Custom Cash Card, which did not make our list. Not only do cash back credit cards from Citi offer generous rewards rates, but they don’t charge an annual fee.

Consumers with heavy debts

People who are stuck paying a high regular APR on their debts can consider balance transfers with Citi. For example, the Citi Simplicity® Credit Card extends 0% APR on balance transfers for 21 months, followed by a standard variable APR of 14.99% to 24.99% based on an applicant’s creditworthiness.

People who fly with american airlines

If you’re a frequent flyer with American Airlines, Citi offers several credit cards for you to consider. Options include the American Airlines AAdvantage MileUp℠ Mastercard®, the Citi® / AAdvantage® Platinum Select® Mastercard®, the Citi® / AAdvantage® Executive Mastercard®, and the CitiBusiness® / AAdvantage® Platinum Select® Mastercard. All of these cards let members earn bonus miles with the American AAdvantage program, and some offer air travel benefits like free checked bags, priority check-in, Admirals Club airport lounge access, and more.

Costco enthusiasts

If you frequently shop at Costco, it definitely makes sense to get the Costco Anywhere Visa® Card by Citi. There’s no annual fee, and you get to earn 1% to 4% cash back for each dollar you spend. This includes 4% back on up to $7,000 in spending at gas stations per year (then 1% back) and 2% back on Costco and Costco.com purchases.

How we selected our top Citi credit cards

To make our selection for this ranking of top Citi credit cards, we looked for cards that appeal to the broadest range of consumers. We only chose cards with no annual fee or an annual fee under $100, as well as cards with exceptional rewards rates in bonus categories and for other purchases.

Other factors we considered include the variable APR range for each card, cardholder perks, any sign-up bonus offered, and approval odds based on creditworthiness.

Citi Card Frequently Asked Questions (FAQ)

Holly D. Johnson
Holly D. Johnson Contributor

Holly D. Johnson is an award-winning personal finance writer who covers topics like insurance, investing, credit and family finance. As a leading voice in the travel and loyalty space, Johnson has traveled with her family to more than 50 countries over the last decade. 

The author has also written extensively on the power of household budgeting, and she even co-authored a book on the topic. Zero Down Your Debt: Reclaim Your Income and Build a Life You’ll Love was originally published in 2017, and it teaches families how to use zero-sum budgeting to reach their financial goals. She is also the co-owner and founder of the family finance and travel website, ClubThrifty.com.

Johnson’s 10+ years of writing have focused on helping families make important financial decisions at each stage of their lives. The author also applies the financial principles she teaches to her own life, and she is currently on track to retire in her late 40’s with her partner. She currently lives in Central Indiana with her husband and children, and she is a regular contributor for Bankrate, CNN, Forbes, U.S. News and World Report Travel and many other notable publications.