Citibank is known for its low-interest Citi credit cards with no annual fee, which includes a variety of consumer and business credit cards with benefits and tools.Citi offers premium travel cards, and its robust rewards program helps the bank compete with other leading rewards providers like American Express and Chase. Many Citi cards also offer a 0% introductory rate and daily bonus tiers. But you won’t find many perks: As of 2019, Citi removed valuable travel and shopping protections from many of its cards.

Whether you’re looking for an easy cash-back bonus or a great introductory offer, here are the best options for Eragoncred’s selection of Citi credit cards.

Roundup of the Best Citi Credit Cards

Citi Double Cash Card

Good for: Flexible Rewards

Get up to 2% cash back on all your purchases – 1% on swipes and 1% on withdrawals.

Citi Simple Card

Suitable for: 0% interest


Begin paying any remaining balance or new purchases over a longer period at this card’s introductory rate, balance transfers 21-month 0% introductory APR and 12-month purchases (14.74% – 24.74% variable thereafter effective annual interest rate). Balance transfers must be completed within 4 months of account opening.

Citi Rewards+ Card

Good for: Earn everyday shopping rewards

Earn 2x points (then 1x points) at supermarkets and gas stations on the first $6,000 per year, and 1x points on all other purchases. Your reward for each purchase will be rounded up to the nearest 10 points. You’ll earn ThankYou Points, a flexible rewards currency that you can redeem in a variety of ways, and earn 10% off the first 100,000 points redeemed each year.

Citi VIP Card

Good for: Introductory bonus

Earn 60,000 bonus points when you spend $4,000 (a $600 gift card) within the first 3 months of account opening. And the introductory bonus is just the beginning. You can also earn 3x points on restaurants, supermarkets, gas stations, air travel and hotels, and 1x points on all other purchases.

Citi Elite Card

Good for: Premium travel perks


In addition to 5x points bonus on dining and air travel and 3x points on hotels and cruises, the Citi Prestige Card offers a range of exclusive benefits and points to help enhance your travel experience.


Citi AAdvantage Platinum Select World Elite Mastercard

Suitable for: American Airlines passengers

If you fly American faithfully, you can use the AAdvantage Platinum Select World Elite Mastercard to lower the list price on future flights. Earn 2X Miles at restaurants and gas stations, 2X Miles on eligible American Airlines purchases, 1X Miles on all other purchases, plus flight benefits like free first checked bag and priority boarding.

Best Citi Credit Cards

Citi Thank You for Your Rewards

ThankYou Rewards is Citi’s rewards program for point-earning cardholders. You can track your ThankYou points through the online Citi portal and redeem them in a number of ways:

  • Gift card
  • Travel rewards
  • Transfer to airline and retail partners
  • At participating online shopping partners
  • Cover recent purchases and bills with bank statements
  • Online payment
  • Share with other ThankYou members
  • $50 or $100 in cash
  • Statement balance to reduce your Citi card balance
  • Mortgage payment
  • Student loan payments
  • Donate Donate

If you have more than one Card to earn ThankYou Points, you can combine them into the same account to redeem them together.

Can Citi Prequalify You for Credit Cards?

While you could previously submit information online to see if you were prequalified for a Citi credit card, Citi no longer accepts online prequalification applications.

The best way to ensure you’re approved before applying is to determine if your credit score matches your card’s recommended rating range and develop healthy credit habits that demonstrate your credit, such as: B. On-time payments and low occupancy .

What credit score is required for a Citi credit card?

Recommended credit scores vary by card, but many of the cards on our list generally require you to have good credit (740-850) to qualify.

If you’re looking to boost your credit score with your card, the Citi® Secured Mastercard®* is a more accessible option for those with limited or no credit history.

What does Citi Easy offer?

Citi Easy Deals is a program that offers special discounts to select Citi cardholders—from daily deals on certain products to discounts on gift cards or other limited-time offers.

The program is divided into three tiers: Basic, Enhanced, and Enhanced. The basic tier is limited to local offers in your area. Premium tier requires a minimum purchase of $100 per year and offers additional magazine and gift card benefits. You’ll have to spend $500 a year to get to the Plus level, which gives you daily deals and extra travel savings.

Eligible cards include the Citi Simplicity Card, Citi® Diamond Preferred® Card* and Citi’s AT&T Access Card*. Easy Deals lets you save on qualifying purchases with these cards that otherwise offer no or limited rewards.


Jake Smith

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Jake Smith

He is the editor of Eragoncred. Previously, he was editor-in-chief of Eragoncred and a financial industry reporter. Jake has spent most of his career as a Digital Media journalist and has over 10 years of experience as a writer and editor.