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The best Citibank credit cards come packed with extra features. From generous cash back rewards to lengthy balance transfer offers, there’s something for nearly every type of card user. Here are the best credit cards that Citibank offers and how to pick the best one to add to your financial toolbox.
Our writers, editors and industry experts score
credit cards based on a variety of factors
including card features, bonus offers
and independent research. Credit card issuers have
no say or influence on how we rate cards.
Rewards rate
5%
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.
1%
Earn unlimited 1% cash back on all other purchases.
Intro offer
$200
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.
Annual fee
$0
Regular APR
15.49% - 25.49% (Variable)
Recommended credit
Good to Excellent (670 - 850)
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
When your wallet talks, the Citi Custom Cash Card listens. This card automatically selects your bonus category based on the eligible category where you spend the most each billing cycle. It’s a good option for people who don't want to guess what category they’ll spend the most in or develop a spending strategy in advance.
The 10 bonus-eligible categories cover common expenses, including select travel, restaurants, grocery stores and live entertainment.
There’s a 15-month 0 percent introductory APR on purchases and balance transfers (then 15.49 percent to 25.49 percent variable APR).
Cons
Your 5-percent bonus cash back is capped to $500 per billing cycle.
The card charges a 3 percent foreign transaction fee.
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 15.49% - 25.49%, 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.
Our writers, editors and industry experts score
credit cards based on a variety of factors
including card features, bonus offers
and independent research. Credit card issuers have
no say or influence on how we rate cards.
Rewards rate
N/A
Intro offer
N/A
Annual fee
$0
Regular APR
16.24% - 26.24% (Variable)
Recommended credit
Good to Excellent (670 - 850)
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
The Citi Simplicity Card has lengthy intro APR offers on both purchases and balance transfers, making it a top choice for cardholders who want a temporary break from interest as they manage debt. Plus, the card doesn't charge an annual fee or late fee, and there's no penalty APR.
The promotional APR period on balance transfers is among the longest on the market.
Late payments won’t incur a fee or penalty APR. (They will, however, still harm your credit score.)
Cons
The card lacks traditional rewards, which eats into its long-term value.
You’ll pay a balance transfer fee of $5 or 5 percent of the transferred balance, whichever is greater.
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 16.24% - 26.24%, 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
Our writers, editors and industry experts score
credit cards based on a variety of factors
including card features, bonus offers
and independent research. Credit card issuers have
no say or influence on how we rate cards.
Rewards rate
2%
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Intro offer
N/A
Annual fee
$0
Regular APR
15.49% - 25.49% (Variable)
Recommended credit
Good to Excellent (670 - 850)
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
The Double Cash Card is one of the top tier flat-rate cash back cards on the market right now. Consider this your fallback everyday spend card whenever you're paying for something that isn't covered by a bonus category for another rewards card in your wallet.
There are no spending caps to the rewards you can earn with this card.
There’s a lengthy 18-month introductory 0 percent APR on balance transfers (then 15.49 percent to 25.49 percent variable APR).
Cons
Unlike other flat-rate cash back cards, the Citi Double Cash doesn’t offer a sign-up bonus.
Depending on your spending habits, you could earn more rewards with a bonus category cash back card.
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 15.49% - 25.49%, 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).
Our writers, editors and industry experts score
credit cards based on a variety of factors
including card features, bonus offers
and independent research. Credit card issuers have
no say or influence on how we rate cards.
Rewards rate
N/A
Intro offer
N/A
Annual fee
$0
Regular APR
15.24% - 25.24% (Variable)
Recommended credit
Good to Excellent (670 - 850)
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
The Citi Diamond Preferred Card is the gold standard for Citi cards if you need to make a balance transfer. It has one of the longest intro APR periods for balance transfers on the market, which gives you ample time to pay off existing credit card debt.
If your credit is good to excellent, you could potentially qualify for a low standard APR.
Cons
Watch out for the balance transfer fee: $5 or 5 percent (whichever is greater), which can add up quickly if you are transferring a large balance.
The lack of traditional rewards eats into the card’s long-term value.
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 15.24% - 25.24%, 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.
Our writers, editors and industry experts score
credit cards based on a variety of factors
including card features, bonus offers
and independent research. Credit card issuers have
no say or influence on how we rate cards.
Rewards rate
5X
For a limited time, earn 5 ThankYou® Points per $1 spent at restaurants up to $6,000 in the first 12 months and 1 ThankYou® Point per $1 spent thereafter.
2X
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter.
1X
Earn 1X ThankYou® Points on All Other Purchases.
Intro offer
20,000 points
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
Annual fee
$0
Regular APR
14.99% - 24.99% (Variable)
Recommended credit
Good to Excellent (670 - 850)
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
The Citi Rewards+ Card has a unique round-up feature that helps you rack up impressive rewards on everyday spending. If you pair this card with other Citi ThankYou cards, you can really maximize the value of this card.
There’s a lengthy promotional APR offer for purchases and qualified balance transfers.
The card doesn’t charge an annual fee.
Cons
The 2X points at supermarkets and gas stations is capped to $6,000 in purchases annually (then 1X).
The card is light on perks outside of its base rewards program.
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 at restaurants up to $6,000 in the first 12 months and 1 ThankYou® Point 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 14.99% - 24.99%, 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.
Our writers, editors and industry experts score
credit cards based on a variety of factors
including card features, bonus offers
and independent research. Credit card issuers have
no say or influence on how we rate cards.
Rewards rate
3X
Earn 3 Points per $1 spent at Restaurants and Supermarkets
3X
Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
1X
Earn 1 Point per $1 spent on all other purchases
Intro offer
80,000 points
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
Annual fee
$95
Regular APR
17.49% - 25.49% (Variable)
Recommended credit
Good to Excellent (670 - 850)
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
The Citi Premier Card earns travel rewards not just on air travel and hotel bookings but also on other types of purchases that are probably part of your daily routine. If you're looking for a variety of opportunities to earn travel rewards, the Citi Premier Card provides a way to expand your horizons.
Our writers, editors and industry experts score
credit cards based on a variety of factors
including card features, bonus offers
and independent research. Credit card issuers have
no say or influence on how we rate cards.
Rewards rate
N/A
Intro offer
N/A
Annual fee
$0
Regular APR
23.99% (Variable)
Recommended credit
No Credit History
A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.
A secured card requires a security deposit, which will then become your credit line. If you're working on building credit, the Citi Secured Mastercard can help you achieve your goals. There's no annual fee or monthly maintenance fee, helpful in keeping your cost of owning the card low.
The minimum requirement for a security deposit ($200) is low for this card category.
The card charges no annual fee, which is particularly notable for a secured credit card.
Cons
The standard APR (variable 23.99 percent) is low compared to other secured credit cards, but still high if you wind up carrying a balance.
The card doesn’t offer a rewards program.
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.
additional features
Purchase intro APR
N/A
Balance transfer intro APR
N/A
The information about the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.
Bankrate’s picks for best Citi credit cards of 2022
Card Name
Best For
Annual Fee
Rewards Highlights
Bankrate Review Score
Citi Custom Cash Card
Best for automatic bonus category
$0
5% cash back in top eligible spending category each billing cycle, up to the first $500 spent and then 1%
Citi Custom Cash Card: Best for automatic bonus category
What we love about the Citi Custom Cash Card: Earning a high level of cash back is a relatively easy feat with this card since it automatically adjusts to your highest eligible spend category per billing cycle and awards you 5 percent back on up to $500 (then 1 percent). For example, if you spend the most on groceries, you can earn at least $25 back.
Who this card is good for: If you’re seeking a lucrative cash back card with a simple rewards structure, this is the card for you.
Alternatives: The Chase Freedom Flex℠ offers a solid alternative for consumers who love almost everything about the Citi Custom Cash, but want a simpler welcome bonus. Freedom Flex cardholders also get a $200 bonus, but it comes in the form of a statement credit, unlike the Custom Cash, with which you’d have to redeem ThankYou points. The Freedom Flex is also a bit easier to obtain because the spending requirement is only $500 within the first three months of account opening, whereas the Custom Cash requirement is $750 within the first three months of account opening.
Citi Simplicity Card: Best for intro APR offers and no late fee
What we love about the Citi Simplicity Card: Cardholders will get one of the longest introductory APR periods on balance transfers available on the market. They’ll also skip late fees and penalty APRs with late payments (late payments still negatively impact your credit score).
Who this card is good for: Someone looking to build better credit habits and pay off credit card debt. If you’re having trouble learning to manage your credit effectively, this card has consumer-friendly terms that can help.
Alternatives: If you want to stick with Citi, but are hoping to earn more rewards, the Citi Double Cash offers an alternative. Citi Double Cash cardholders will earn an unlimited 2 percent cash back on all purchases, 1 percent when you buy and 1 percent when you make a card payment.
Citi Double Cash Card: Best for overall Citi cash back card
What we love about the Citi Double Cash Card: This card provides cardholders with a solid cash back rate and impressive security perks. The Citi lost wallet service ensures that a card that is lost or stolen will be replaced within 24 hours. Citi will also provide you with emergency cash should you need it in the meantime.
Who this card is good for: The Citi Double Cash is best for simple cash back seekers who always pay off their balances. This card doesn’t come equipped with many perks, but it will give cardholders the chance to earn pretty solid rewards.
Alternatives: If you were hoping to snag a cash reward welcome bonus with your credit card and were disappointed with the Citi Double Cash, the Wells Fargo Active Cash® Card is a good second choice. Cardholders will get a $200 cash reward after spending $1,000 within the first three months of account opening.
Citi Diamond Preferred Card: Best balance transfer card
What we love about the Citi Diamond Preferred Card: This card touts a long APR period for both purchases and balance transfers. It can be valuable for anyone looking to make a large purchase or pay down debt.
Who this card is good for: Anyone who wants to save on interest payments. With the long introductory APR period, cardholders can carry a balance for 21 months without being charged any interest (then 15.24 percent to 25.24 percent variable thereafter).
Alternatives: If you were considering the Citi Diamond Preferred card to complete a balance transfer then the Wells Fargo Reflect® Card might be a good alternative. The reflect also skips the annual fee, and provides cardholders with a long balance transfer period 18 months from account opening on qualifying balance transfers (up to 21 months with on-time minimum payments during the intro period). The Reflect, however, follows up the introductory balance transfer period with a slightly lower APR (14.49 percent to 26.49 percent variable APR).
Citi Rewards+ Card: Best for pairing with other Citi credit cards
What we love about the Citi Rewards+ Card: Cardholders will get standard rewards card features plus, rewards are rounded up to the nearest 10 points on purchases.
Who this card is good for: Someone with another Citi card looking to make the most of their rewards. For example, a traveler will likely want to pair this card with a card like the Citi Premier® Card to maximize its rewards.
Alternatives: The Citi Premier Card also works as a good alternative to the Citi Rewards+ Card. You’ll get a wider variety of rewards categories, and it’s particularly lucrative for frequent travelers and foodies.
Citi Premier Card: Best for travel rewards on everyday purchases
What we love about the Citi Premier Card: The bonus categories reward major spending categories—supermarkets, gas stations, air travel and dinings—at the same rate of 3X points, a rare feature in a rewards credit card.
Who this card is good for: Travelers who want to earn on everyday spending at the same rate they earn on air travel and hotel purchases
Alternatives: If the bulk of your spending falls outside of traditional categories and you still want to earn, the Capital One Venture Rewards Credit Card is a solid alternative. Capital One Venture Rewards cardholders will earn 5X miles on rental cars and hotels booked through Capital One Travel and 2X miles on everything else.
What we love about the Citi Secured Mastercard: You’ll get the standard credit-building tools, plus a higher-than-average credit limit compared to other secured credit cards.
Who this card is good for: People working on their credit. This is an easily accessible card meant to help people with lower scores build up their credit.
Alternatives: It’s rare that a secured credit card earns substantial rewards, but if you were hoping to find one that does, consider the Discover it® Secured Credit Card. Discover it Secured cardholders will earn 2 percent cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, then 1 percent. Plus, it earns unlimited 1 percent cash back on all other purchases.
Citi / AAdvantage Platinum Select World Elite Mastercard: Best for frequent American Airline Flyers
What we love about the Citi / AAdvantage Platinum Select World Elite Mastercard: For occasional travelers, this middle-of-the-road card offers solid perks and a respectable welcome bonus. Get 50,000 miles when you spend $2,500 within the first three months of account opening. Plus, with the MileSAAver discount, you’ll receive up to a 7,500-mile, round-trip discount for flights over 500 miles.
Who this card is good for: Occasional travelers who prefer to fly American Airlines. Though this card has less substantial rewards than other similar cards, its low annual fee of $99 (waived for the first 12 months) and hefty welcome bonus make it a great pick for people who only fly occasionally and want to earn rewards for their travel purchases.
Alternatives: For more serious travelers who want to get more from their American Airlines credit card—like lounge access around the world and a $100 application fee for Global TSA Precheck—the Citi® / AAdvantage® Executive World Elite Mastercard® is an excellent choice.
Since launching its first credit card in 1967, when it was called First National City Bank, Citi has become a global bank specializing in investments, mortgages and credit cards. It’s also the largest credit card issuer in the world, with more than 138 million accounts.
Bankrate insight
You can use multiple Citi credit cards to maximize your ThankYou Points earning potential. Read our full guide on the Citi trifecta and how to use it.
Pros and cons of Citi credit cards
Pros
Variety of types of cards: Cardholders have access to cash back cards, travel cards, student cards, balance transfer cards and more.
Variety of rewards options: Rewards spending categories for select cards include gas, travel, dining, supermarkets and more at both tiered and flat rates.
Sign-up bonuses: Several Citi cards have decent sign-up bonuses and there are plenty of no annual fee options.
Savings: Introductory 0 percent APR offers on purchases and balance transfers with select cards.
Pairing Citi cards increases rewards potential: There are plenty of opportunities to pair cards to maximize value.
Cons
Credit score requirements: Most options require good credit or better (FICO Score above 670).
Foreign transaction fees: Some cards charge a foreign transaction fee of 3 percent.
Value of rewards varies: The value of Citi ThankYou Points can vary considerably between cards.
Limited options for beginners: Cardholders focused on building credit won’t have many options with Citi.
Limited cardholder protections: Limited availability of travel and shopping protection.
Who should get a Citibank credit card?
Citibank offers a robust lineup of credit cards. Here are some types of consumers who can benefit the most from owning a Citibank credit card.
If you already bank with Citi, accessing your credit card information will be simple as you can just sign into the app you use to access your bank account. You can boost your rewards earning potential when you pair a Citi card with a qualified Citi checking account.
Cash back cards are great for helping you earn rewards on everyday and special purchases. Citi offers a strong suite of cash back cards that meet a variety of needs. If you’re not great with keeping track of bonus categories, the Citi Custom Cash card rewards you automatically in your highest eligible spend category. The Citi Double Cash card allows you to redeem your points easily as a statement credit.Citi Simplicity and Citi Diamond Preferred cardholders can also see some serious savings when they shop for event tickets, and certain products and services using Citi Easy Deals and Citi Entertainment.
Most Citi cards require good-to-excellent credit. The Citi Secured Mastercard, however, is a solid option for those looking to boost their credit scores or build credit history. It doesn’t offer much in the way of perks or rewards, but you’ll skip the annual fee and the $200 deposit is less than similar competitor cards deposits.
Still unsure if a Citi credit card is right for you? Check out our Credit Card Spender Type Tool where you can get personalized credit card recommendations based on your credit score, spending habits and daily needs.
How to choose a Citi credit card
Prior to applying for a credit card from any issuer, it’s essential to consider your spending habits, your current financial situation and what you’re interested in getting out of the card. The questions below should help narrow down your options in choosing a Citi card:
Are you primarily interested in getting a temporary break from APR on purchases or balance transfers? If yes, focus on Citi cards with introductory 0 percent APR offers designed to help you temporarily avoid the cost of interest.
You’ll need to find a rewards card that matches up with categories where you spend the most, but it’s equally important to consider the amount of spending your budget allows for. Be sure that the rewards you’re capable of earning outweigh any annual fees.
Some Citi cards have travel-related perks like free checked bags on select flights. Travelers will benefit from these features, but people who don’t travel frequently should look to other Citi options.
If you’re a frequent flyer with an allegiance to American Airlines, or a shopper with a Costco membership, Citi’s co-branded cards could have plenty to offer you. The Costco Anywhere Visa® Card by Citi offers cardholders cash back on gas, restaurant, travel purchases and purchases from Costco and Costco.com. Additionally, casual travelers and travel hackers alike can find value from one of Citi’s AAdvantage credit cards. Cardholders can earn points for flights and get several benefits—like free checked bags and discounted in-air purchases—to make traveling with American Airlines more enjoyable.
What are Citi ThankYou Points?
The ThankYou rewards program is similar to most credit card loyalty programs, allowing cardholders to earn ThankYou Points by making eligible purchases. Cardholders can redeem points for travel, gift cards, statement credits and more.
Here are some notable ThankYou Points features available with certain Citi credit cards:
With the Citi Rewards+ Card every purchase is rounded up to the nearest 10 points. This feature makes a $6 coffee worth 10 points rather than six.
The Citi Premier Card earns 3 points per dollar spent at restaurants, supermarkets, gas stations, air travel and hotels and earns 1 point per dollar on all other purchases.
You can redeem Citi ThankYou points for a variety of things, including gift cards, merchandise and other non-travel related purchases, but the bulk of the value is housed in transferring points to a Citi ThankYou rewards transfer partner.
Bear in mind that there are two types of points earned with Citi credit cards: basic Citi ThankYou points and “full-fledged” Citi ThankYou points. The main difference between the two is that you cannot transfer basic ThankYou points to travel partners, while you can with full-fledged points. You can, however, still redeem basic points for travel through Citi.
Virtually all credit cards work the same way when you make transactions, but your experience as a cardholder can vary greatly based on the type of card you have and the credit card’s issuer. Nearly 181 million Americans have at least one credit card, and each of the major credit card issuers offers a wide range of credit options to suit different consumer needs. With so many credit card options available, you may be wondering why you should consider getting a Citi credit card. From credit protections to travel benefits Citi offers several cardholder benefits meant to improve the cardholder experience:
Citi Quick Lock
With Citi Quick Lock you can block new purchases and cash advances—while your recurring transactions continue without being disrupted. If your card is ever lost, you can protect your account without having to cancel and get a new card number. If you find your card, you can unlock it by signing on to your Citi app or Citi online.
Citi Concierge
Citi is helping cardholders travel with ease with Citi Concierge. Cardholders have access to professionals who will help you find everything you need to make your travel experience enjoyable. They’ll help you find everything from restaurants—for dining in or ordering out—to grocery stores and pharmacies.
Virtual Account numbers
For consumers, virtual account numbers provide more privacy and protect cardholders against fraud and theft. Citi is one of the two major U.S. credit card issuers that provide cardholders with a virtual account number to use when making online purchases.
How we choose the best credit cards from Citi
Bankrate's personal finance experts have evaluated the top Citi cards according to our 5-star rating system. Our list of criteria for rating credit cards includes:
Rewards
Whether the card offers cash back, travel points/miles or multi-purpose rewards for eligible purchases and the potential returns based on rewards rate (1 percent cash back per $1 spent, 1 mile per $1 spent, and so on).
Perks and benefits
Whether the card offers extras such as retail discounts, extended warranties on purchases, travel insurance and financial management tools.
Annual fee
Whether the card charges an annual fee and if so, how much the card's overall value and benefits might offset the fee.
Introductory offers
Whether the card has a sign-up bonus, welcome offer or similar sign-up incentive and how much it adds to the card's overall value.
Variable APR
How the card's annual percentage rate (APR) compares with current averages as an indicator of cost and value.
Foreign transaction fee
Whether the card charges a foreign transaction fee for international purchases and how the fee affects the card's overall value.
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Frequently asked questions about Citi credit cards
You can contact Citibank through several channels, but Citi recommends logging in to Citi Online or using the Citi Mobile® App. You can also connect via:
Phone: Call the number on the back of your card or call 1-800-950-5114 (General Customer Support & Services).
Mail: If for any reason written mail would be your preferred communication, this is Citi's general correspondence mailbox: Citibank Customer Service, P.O. Box 6500 Sioux Falls, SD 57117
The short answer is yes, but it comes with certain conditions. According to The Points Guy, Citi is more likely to limit the amount of credit you have across all your Citi cards rather than limiting how many cards you can have. However, Citi also has rules for how frequently you can apply: only one application for either a personal or business card, every eight days.
In many cases, yes. Citi cards are accepted by merchants in more than 200 countries, thanks to Citi's use of the Visa and Mastercard payment networks. However, you could be charged a foreign transaction fee for each purchase you make abroad or from a foreign merchant, depending on your card.
Probably not. The closest candidate would be the Citi Secured Mastercard, but it's marketed in the "no credit history" category. The recommended credit scores for other Citi credit cards range from good to excellent. If your FICO Score is between 300 and 579, you should try comparing credit cards for bad credit.
After your account has been open for six months, Citi will usually start reviewing your account on a regular basis. It's possible that Citi will increase your credit limit automatically if you've demonstrated good credit habits, such as regularly paying your full balance on time, but you can also take the direct approach by contacting Citi to request an increase.
In most cases, you'll need a credit score in the good to excellent range. You should check your credit score and compare it with recommended score ranges to give yourself an idea of the credit cards you have the best chance to qualify for. Consumers with FICO Scores of 740 and above (excellent credit) will have the best chance at qualifying for Citi's most valuable credit cards.
The Citi credit cards you qualify for will depend on your credit score and overall credit profile. If you’re still working to build your credit, the Citi Secured Mastercard is an excellent choice. There is no minimum credit score requirement for the card and you can obtain the card for a deposit as low as $200.
As a staff writer for Bankrate and CreditCards.com, Sarah offers sound advice that will improve your financial life and help simplify topics like travel hacking and credit card rewards.
Courtney Mihocik is an editor at Bankrate Credit Cards and CreditCards.com specializing in credit card news and personal finance advice. Previously, she led insurance content at Reviews.com and worked as the loans editor at The Simple Dollar.
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