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The best Citi credit cards of November 2021
The best credit card for you might not be a good fit for others, and some consumers are better off pursuing offers with a specific credit card issuer. Citi tends to work well for certain types of spenders, including people who want to earn a high rate of cash back and those who like the redemption options in the Citi ThankYou Rewards program.
If you’re looking for a new credit card and you’re a Citi customer already or want to become one, you should know about the top credit cards Citi offers. Here are our picks for 2021.
Citi Premier Card
You also earn 3x points at restaurants, gas stations, supermarkets, air travel, and hotels – which makes the card worth considering for everyday expenses, as well as for travel down the road.
Read more: Citi Premier credit card review
For a limited time, Citi has added American Airlines as a transfer partner – which makes earning Citi ThankYou points even more lucrative. When you have the
Citi also recently added Choice Hotels as a partner – the first hotel transfer partner since Hilton left the ThankYou Rewards program in 2017.
Best for cash back:
Citi® Double Cash Card
Read more: Citi Double Cash credit card review
You can also convert the cash back you earn from the
This card also has a generous introductory 0% APR offer, which lets you pay 0% interest on balance transfers for 18 months, followed by an APR of
Best if your spending changes month to month:
Citi Custom Cash℠ Card
The qualifying categories include everyday expenses that should appeal to most folks: restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment.
Read more: Citi Custom Cash credit card review
Although it’s marketed as a cash-back card, the
Best with an introductory 0% APR on purchases and balance transfers:
Citi® Diamond Preferred® Credit Card
Read more: Citi Diamond Preferred card review
There’s no annual fee, but you’ll pay a 5% balance transfer fee (minimum $5). While the card doesn’t earn rewards, it offers an excellent opportunity to pay off debt without any interest. During this time, every cent you pay on your bill will go directly toward the principal of your balance, which will expedite the process of paying down your debt.
Best for airline miles:
Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®
Cardholder benefits include preferred boarding, 25% off inflight food and beverage purchases when you pay with your credit card, and a free checked bag for you and up to four companions on domestic itineraries when you fly American. This card comes with an annual fee of
Best co-branded card:
Costco Anywhere Visa® Card by Citi
Read more: Citi Costco Anywhere Visa credit card review
This card lets you cash in your rewards after your February statement credit each year, and there’s no annual fee with a paid Costco membership. You also won’t pay any foreign transaction fees.
Don’t forget about Citi’s sign-up bonus rules
Before you apply for a Citi credit card, it can help to understand the bank’s application rules. Depending on the card, you might not be eligible if you’ve earned a sign-up bonus, or closed a particular card or one within the same “rewards family” within the past 24 to 48 months.
The 24-month timeframe applies to Citi ThankYou Rewards cards like the
With this in mind, you’ll want to make sure you know when you last closed a Citi credit card before you apply. If you sign up too early, you won’t receive the bonus on these cards – even if you’re approved and you meet the minimum spending requirement.
Other Citi credit cards
Citi has some other great credit cards that missed the cut for our list, but depending on your needs and spending habits, they could be a great fit for you.
Citi® / AAdvantage® Executive World Elite™ Mastercard®: This is the premium American Airlines credit card, with a Citi® / AAdvantage® Executive World Elite Mastercard®annual fee and membership to the airline’s Admirals Club airport lounge program. If you fly American all the time, this could be worth it – especially because purchasing an Admirals Club membership can cost $550 or more, so it’s cheaper to get the card. American Airlines AAdvantage MileUp℠ Card: On the other end of the spectrum, there’s the AAdvantage MileUp card with no annual fee. If you want to earn American Airlines miles but you don’t fly frequently enough to warrant an annual fee, this is a good option. Costco Anywhere Visa® Business Card by Citi: If you’re a small-business owner, the business version of Citi’s Costco card is worth considering.