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The best Citi credit cards make it easy to earn cash or travel rewards. Citi even offers credit cards for those starting to build credit. If you’re not sure which card is best for you, this guide can help you pick the right one. If you need to earn cash rewards or build credit, note that many of Citi’s best credit cards have no annual fee.

best Citi Credit cards
Some of the best Citi credit cards are great for flying American Airlines
Photo by Quintin Gellar from Pexels

The content on this page is accurate as of the posting date; however, some of the offers may have expired.

Best Citi Credit Cards

  • Citi Premier℠ Card – Travel Rewards
  • Citi Prestige® Credit Card – Frequent Fliers
  • The Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® – American Airlines Perks
  • Citi® / AAdvantage® Executive World Elite™ Mastercard® – Admirals Club Access
  • CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® – AA Business Fliers
  • Citi® Double Cash Card – Cash Rewards
  • Citi Rewards+℠ Card – Supermarket and Gas Purchases
  • Citi Simplicity® Card – Balance Transfers
  • American Airlines AAdvantage MileUp℠ Card – Casual AA Fliers
  • Citi® Secured Mastercard® – Building Credit
  • Costco Anywhere Visa® Card by Citi – Frequent Costco Shoppers
  • Costco Anywhere Visa® Business Card by Citi – Business Owners Who Frequent Costco
  • Citi Rewards+℠ Student Card – College Students

The information for the Citi Premier Card and the Citi Prestige Credit Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

Citi Premier Card (Travel Rewards)

Citi offers several credit cards that earn ThankYou points you can redeem for travel rewards. The Citi Premier℠ Card is their best credit card for travel credits overall. It has a reasonable $95 annual fee, no foreign transaction fee, and offers these benefits:

  • Earn 3x ThankYou points on travel including gas stations
  • Earn 2x ThankYou points on dining and entertainment
  • Points are worth 25% more when booking award flights at thankyou.com
  • 1:1 airline transfer partners
  • No foreign transaction fee
  • 60,000 ThankYou points signup bonus (worth $750 in award flights) after spending $4,000 in purchases in the first 3 months of account opening

Your points are most valuable when booking award flights. Each point is worth 1.25 cents each on the ThankYou travel center for award flights but only 1 cent each for other award travel. A better option can be transferring your points at a 1:1 ratio to partners like FlyingBlue, Singapore Airlines, or Virgin Atlantic.

Each point can be worth up to 6 cents each when booking premium cabin flights directly from the airline.

Read more about how the Citi Premier compares to two other top credit cards, the Capital One® Venture® Rewards Credit Card and the Chase Sapphire Preferred® Card:

The information for the Capital One® Venture® Rewards Credit Card has been collected independently by Johnny Jet. The card details on this page have not been reviewed or provided by the card issuer.

Citi Prestige Credit Card (Luxury Travel)

Frequent flyers and luxury travelers can get more value from a premium travel credit card. The Citi Prestige® Credit Card excels at offering air travel and hotel perks:

  • Complimentary 4th hotel night on 4+ night stays (up to 2 times per year)
  • $250 annual travel credit
  • Priority Pass Select airport lounge access
  • Free Global Entry or TSA PreCheck
  • Earn 5x ThankYou points on air travel and dining
  • Earn 3x ThankYou points on hotels and cruise lines
  • 1:1 airline transfer partners
  • 50,000-point signup bonus (worth $500 in award travel) after spending $4,000 in the first 3 months of account opening

The Citi Prestige doesn’t offer a 25% air travel redemption bonus like the Citi Premier. But, you still have access to the ThankYou 1:1 airline transfer partners that let you stretch more mileage from your points.

This card has a $495 annual fee ($75 per authorized user). The Prestige is worth it if you can use the complimentary 4th hotel night and various air travel perks.

Learn more: Best premium credit cards

Citi / AAdvantage Platinum Select World Elite Mastercard (Best for American Airlines)

Most American Airlines flyers can benefit the most from the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®. This is the best of the Citi credit cards for American Airlines for these perks:

  • First checked bag is free on domestic American Airlines itineraries for you and up to 4 companions on the same reservation
  • Preferred boarding on American Airlines flights
  • $125 American Airlines flight discount after $20,000 in annual card purchases during your card membership year and renew your card
  • Earn 2x AAdvantage miles for eligible American Airlines purchases, gas stations purchases, and restaurant purchases

New cardholders can earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening. The annual fee is $0 for the first year then $99. There are no foreign transaction fees.

The free checked baggage waiver can be the best reason to own this card. Plus, every purchase earns American Airlines miles.

Note that the business version, the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® is also available. Cardholders earn 2x miles spent on eligible American Airlines purchases, on purchases at telecommunications merchants, cable and satellite providers, car rental merchants, and at gas stations. New cardholders can also earn 65,000 bonus miles after spending $4,000 on eligible purchases within the first 4 months of account opening.

Learn more: Best credit cards for American Airlines fliers

Citi / AAdvantage Executive World Elite Mastercard (Admirals Club Access)

For automatic Admirals Club membership, get the Citi® / AAdvantage® Executive World Elite™ Mastercard®. Up to two guests or your immediate family can accompany you in the Admirals Club.

Other card benefits include:

  • Free first checked bag for you and up to 8 companions
  • Priority check-in, security screening, and boarding
  • Global Entry or TSA PreCheck application fee credit
  • 25% savings on American Airlines in-flight purchases
  • Earn 2 AAdvantage miles per $1 on American Airlines purchases
  • Get 10,000 AAdvantage Elite Qualifying Miles (EQMs) after $40,000 in annual card purchases
  • 50,000 AAdvantage miles signup bonus after spending $5,000 in the first 3 months

This card’s annual fee is $450 for the primary card. It can be worth it if you visit Admirals Club lounges regularly.

Learn more: Best Miles Credit Cards

CitiBusiness / AAdvantage Platinum Select World Mastercard (Business Travelers Loyal to American Airlines)

For business travelers who are loyal to American Airlines, the CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® may be a worthwhile option. The perks of the card include:

  • Free first checked bag for you and up to 4 companions
  • Preferred boarding for you and up to 4 companions
  • 25% savings on American Airlines in-flight purchases
  • Earn 2 AAdvantage miles per $1 on American Airlines purchases
  • Earn 2 AAdvantage miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants, and at gas stations
  • 65,000 AAdvantage miles signup bonus after spending $4,000 in the first 4 months

Cardholders also have the opportunity to earn an American Airlines Companion Certificate. The certificate is good for domestic main cabin travel after you spend $30,000 or more in purchases annually and when the card is renewed. However, note that the certificate renewal costs $99 for the ticketing fee plus $21.60 to $43.20 in government taxes and fees, based on the itinerary.

The annual fee for this card is $99. However, it is waived for the first 12 months of account opening.

Learn more: Best Citi American Airlines Credit Cards

Citi Double Cash (Cash Rewards)

The Citi® Double Cash Card is one of the highest-earning cash back credit cards. You get an unlimited 2% cash back on every purchase (1% at the time of purchase and 1% when you make a balance payment). To get cash back, be sure to make the minimum payment on time every month.

This can be a better option if a tiered rewards card like the Discover it vs Chase Freedom 5% categories are not a good fit. However, you can only redeem your rewards for cash statement credits, direct deposit, or a paper check.

The Citi Double Cash doesn’t have an annual fee but has a 3% foreign transaction fee. This card also doesn’t have a signup bonus.

Learn more: Best cash back credit cards

Citi Rewards+ Card (Supermarket and Gas Purchases)

The Citi Rewards+℠ Card comes with the unique ability to round up your points earned to the nearest 10. So if you buy a coffee for $2, you’ll earn 10 points. There’s no limit on how much you can earn. This can be a great way to rack up points quickly.

Other benefits include:

  • Earn 2x points at supermarkets and gas stations for the first $6,000 per year (then 1x points)
  • All other purchases earn 1x point per $1 spent
  • 10% points back for the first 100,000 ThankYou® Points you redeem per year
  • Contactless pay
  • Redeem for flights, hotels, cruises, and more, or use them for gift cards
  • Use your points to shop at Amazon.com or BestBuy.com

The ability to round up points is a great benefit. There is no annual fee for this card.

Learn more: Best No Annual Fee Credit Cards

Citi Simplicity (Balance Transfers)

The Citi Simplicity® Card has one of the best balance transfer offers that credit cards regularly offer. You get 0% APR for 21 months from the date of the first transfer. You must complete your transfer requests within the first 4 months. After that, the variable APR will be 15.74% – 25.74%, based on your creditworthiness.

There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater. The standard variable APR for Citi Flex Plan is 14.74% – 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.

The Citi Simplicity doesn’t earn any rewards points on purchases or have a cash signup bonus. The good news is you won’t pay an annual fee. This is a great way to save a small fortune when paying off credit card debt.

Learn more: Best balance transfer credit cards

American Airlines AAdvantage MileUp Card (Casual AA Fliers)

The American Airlines AAdvantage MileUp℠ Card is great if you are new to the AAdvantage miles program. It earns miles on a frequent expense — groceries. Citi defines grocery stores as supermarkets, freezer/meat locker provisioners, dairy product stores, miscellaneous food/convenience stores, markets, specialty vendors, and bakeries.

Other perks include:

  • 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
  • Also, earn 1 AAdvantage mile for every $1 spent on other purchases
  • Save 25% on inflight food and beverage purchases when you use your card on American Airlines flights
  • 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

This card has no annual fee and no limit on how many miles you can earn. You can also use your miles for award travel.

Learn more: Best Credit Card for Groceries

Citi Secured Mastercard (Building Credit)

The Citi® Secured Mastercard® can help you build credit when you have no credit or are rebuilding credit. You can qualify for this card with a credit score in the 500s or very low 600s. It doesn’t have an annual fee, so it’s possible to improve your credit score for free.

Your credit limit will be between $200 and $2,500. You will need to make a matching refundable security deposit. Also, this card doesn’t earn rewards points on purchases. But, as your credit score grows, you can qualify for a rewards credit card.

Learn more: Best Different Type Credit Cards

Costco Anywhere Visa® Card by Citi (Frequent Costco Shoppers)

The Costco Anywhere Visa® Card by Citi is a good card to consider if you are a loyal Costco shopper. It comes with the ability to earn up to 4% cash back on select purchases and has no annual fee (with your paid Costco membership). There are also no foreign transaction fees.

Here are a few of the perks and benefits:

  • 4% cash back on eligible gas purchases for the first $7,000 annually (then 1% thereafter)
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on purchases from Costco and Costco.com
  • 1% cash back on all other purchases

Cash back will be provided as an annual credit card reward certificate once your February billing statement closes. This certificate is redeemable for cash or merchandise at U.S. Costco Warehouses, including those in Puerto Rico.

Learn more: Best Gas Credit Cards

Costco Anywhere Visa® Business Card by Citi (Business Owners Who Frequent Costco)

For business owners who are loyal to Costco, the Costco Anywhere Visa® Business Card by Citi may be worth your consideration. Like the Costco Anywhere Visa Card by Citi, the business version comes with the following perks:

  • 4% cash back on eligible gas for the first $7,000 annually (then 1% thereafter)
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on purchases from Costco and Costco.com
  • 1% cash back on all other purchases

Like the consumer card, there is no annual fee with your paid Costco membership. There are also no foreign transaction fees. And, cardholders will receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico.

Learn more: Best Small Business Credit Cards

Citi Rewards+ Student Card (College Students)

Until you qualify for the other Citi credit cards that earn ThankYou points, the Citi Rewards+℠ Student Card is a good start. College students don’t pay an annual fee and earn Citi ThankYou points on each purchase:

  • 2x points at supermarkets and gas stations (on the first $6,000 per year then 1x points)
  • 1x points on everything else
  • All purchase amounts round up to the nearest 10 points
  • Get 10% points back on the first 100,000 points you redeem each year

The purchase roundups are a nice perk (the same perk is available for the Citi Rewards+℠ Card mentioned above). For example, a $19 purchase earns 20 points and a $23 purchase earns 30 points. New cardholders can earn 2,500 points after spending $500 in purchases within the first 3 months of account opening.

Your points are most valuable when redeemed for travel rewards or gift cards.

Learn more: Best student credit cards

Summary of the Best Citi Credit Cards

The best Citi credit cards can be a good fit for almost any person. Their ThankYou rewards program can be useful in booking award flights. But if you prefer cash rewards or improving your credit, these cards can fit your needs.

FAQS

What are the best Citi credit cards?

Citi has some attractive options for earning travel or cash rewards.

These are the best Citi credit cards depending on your needs:

Which Citi credit card is easiest to get?

Citi offers credit cards for every credit score tier. Below can be your best option for your current score:

  • 740+: Citi Premier for travel rewards and Citi Double Cash for cash rewards.
  • 650-740: Citi Rewards+ (or Citi Rewards+ for Students)
  • Below 650: Citi Secured Mastercard

Is Citi Simplicity a good credit card?

The Citi Simplicity is best for balance transfers. It also doesn’t’ charge an annual fee. But you won’t be able to transfer balances from any current Citi credit cards you have.

As the Citi Simplicity doesn’t earn purchase rewards, you will want to consider another card once you pay off your balance. Choose a cash or travel rewards credit card that earns at least 1 point per $1 on purchases.

Since the Citi Simplicity doesn’t have an annual fee, you may wish to leave the account open to help build a credit history. Having an older account in good status can help improve your credit score.

Josh Patoka

The comments on this page are not provided, reviewed, or otherwise approved by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.

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