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Best Citi Credit Cards of December 2021
Some of the card offers on this site are from companies who are advertising clients of U.S. News. Advertising considerations may impact where offers appear on the site but do not affect any editorial decisions, such as which card products we write about and how we evaluate them.
Citi is an advertising partner.
One of the leading credit card issuers in the United States, Citi has a range of cards that are appealing to all types of consumers. Many of Citi’s cards offer zero percent introductory rates, no annual fees and excellent rewards. With several cards to choose from, you can find a Citi card that meets your needs. Read more about our methodology.
Best Citi Cards of December 2021
Best Citi Credit Cards of December 2021
- Citi® Diamond Preferred® Card: Best feature: 0% intro APR on balance transfers
- Citi Custom Cash℠ Card: Best feature: Simple bonus category redemption
- Citi® Double Cash Card - 18 month BT offer: Best feature: 0% intro APR on balance transfers
- Citi Premier® Card: Best feature: Three points per dollar on travel
- Citi Rewards+® Card: Best feature: Double points at gas stations
- American Airlines AAdvantage MileUp℠ Card: Best feature: Airline rewards
- Citi® / AAdvantage® Executive World Elite Mastercard®: Best feature: American Airlines rewards
- Citi® Secured Mastercard®: Best feature: No annual fee
- CitiBusiness® / AAdvantage® Platinum Select® Mastercard®: Best feature: Premium cardholder benefits
- Citi Simplicity® Card: Best feature: 0% introductory APR promotion
- Citi Prestige® Credit Card: Best feature: $250 annual travel credit
- My Best Buy Visa® Card: Best feature: Best Buy rewards
- AT&T Access Card from Citi: Best feature: AT&T rewards
- Citi® / AAdvantage® Platinum Select® World Elite Mastercard®:
Citi® Diamond Preferred® Card
On Citi's Secure Website.
At A Glance
Credit Needed
670-850
Good to ExcellentAnnual Fee
$0
APR
13.74% - 23.74% Variable
On Citi's Secure Website.
Rates & Fees
Issuer Name
Citi
Credit Needed
Excellent, Good
Annual Fee
$0
APR
13.74% - 23.74% Variable
Penalty APR
Up to 29.99%
Purchases Intro APR
0% for 12 months on Purchases
Balance Transfer Intro APR
0% for intro APR for 21 months on Balance Transfers
Balance Transfer Fee
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Cash Advance Fee
5% of each cash advance; $10 minimum
Foreign Transaction Fee
3%
- See all credit card details
Citi Custom Cash℠ Card
On Citi's Secure Website.
Top Rewards Rates
- 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%
cash back on all other purchases.
At A Glance
Credit Needed
670-850
Good to ExcellentAnnual Fee
$0
Intro Bonus
$200 cash back
APR
13.99% – 23.99% (Variable)
On Citi's Secure Website.
Rates & Fees
Issuer Name
Citi
Credit Needed
Excellent, Good
Annual Fee
$0
APR
13.99% – 23.99% (Variable)
Penalty APR
Up to 29.99% (Variable)
Purchases Intro APR
0% for 15 months
Balance Transfer Intro APR
0% for 15 months
Balance Transfer Fee
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Cash Advance Fee
5% of each cash advance; $10 minimum
Foreign Transaction Fee
3%
- See all credit card details
Citi® Double Cash Card - 18 month BT offer
On Citi's Secure Website.
Top Rewards Rates
- 2%
on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
At A Glance
Credit Needed
670-850
Good to ExcellentAnnual Fee
$0
APR
13.99% – 23.99% (Variable)
On Citi's Secure Website.
Rates & Fees
Issuer Name
Citi
Credit Needed
Excellent, Good
Annual Fee
$0
APR
13.99% – 23.99% (Variable)
Penalty APR
Up to 29.99% (Variable)
Balance Transfer Intro APR
0% for 18 months
Balance Transfer Fee
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
Cash Advance Fee
5% of each cash advance; $10 minimum
Foreign Transaction Fee
3%
- See all credit card details
Citi Premier® Card
On Citi's Secure Website.
Top Rewards Rates
- 3
Points per $1 spent at Restaurants and Supermarkets.
- 3
Points per $1 spent at Gas Stations, Air Travel and Hotels.
- 1
Point per $1 spent on all other purchases.
At A Glance
Credit Needed
670-850
Good to ExcellentAnnual Fee
$95
Intro Bonus
80,000 bonus
APR
15.99% - 23.99% Variable
On Citi's Secure Website.
Rates & Fees
Issuer Name
Citi
Credit Needed
Excellent, Good
Annual Fee
$95
APR
15.99% - 23.99% Variable
Penalty APR
Up to 29.99% (Variable)
Balance Transfer Fee
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Cash Advance Fee
5% of each cash advance; $10 minimum
Foreign Transaction Fee
0%
- See all credit card details
Citi Rewards+® Card
On Citi's Secure Website.
Top Rewards Rates
- 2X
ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter.
- 1X
ThankYou® Points on All Other Purchases.
At A Glance
Credit Needed
670-850
Good to ExcellentAnnual Fee
$0
Intro Bonus
20,000 bonus points
APR
13.49% - 23.49% (Variable)
On Citi's Secure Website.
Rates & Fees
Issuer Name
Citi
Credit Needed
Excellent, Good
Annual Fee
$0
APR
13.49% - 23.49% (Variable)
Penalty APR
Up to 29.99% (Variable)
Purchases Intro APR
0% for 15 months
Balance Transfer Intro APR
0% for 15 months
Balance Transfer Fee
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
Cash Advance Fee
5% of each cash advance; $10 minimum
Foreign Transaction Fee
3%
- See all credit card details
American Airlines AAdvantage MileUp℠ Card
On Citi's Secure Website.
Top Rewards Rates
- 2
AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services.
- 2
AAdvantage® miles for every $1 spent on eligible American Airlines purchases.
- 1
AAdvantage® mile for every $1 spent on other purchases.
At A Glance
Credit Needed
670-850
Good to ExcellentAnnual Fee
$0
Intro Bonus
10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit
APR
15.99% - 24.99% (Variable)
On Citi's Secure Website.
Rates & Fees
Issuer Name
Citi
Credit Needed
Excellent, Good
Annual Fee
$0
APR
15.99% - 24.99% (Variable)
Penalty APR
Up to 29.99% (Variable)
Balance Transfer Fee
5% of each balance transfer; $5 minimum.
Cash Advance Fee
5% of each cash advance; $10 minimum
Foreign Transaction Fee
3%
- See all credit card details
Citi® / AAdvantage® Executive World Elite Mastercard®
On Citi's Secure Website.
Top Rewards Rates
- 2
AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases
At A Glance
Credit Needed
670-850
Good to ExcellentAnnual Fee
$450
Intro Bonus
50,000 American Airlines AAdvantage® Bonus Miles
APR
15.99% - 24.99% (Variable)
On Citi's Secure Website.
Rates & Fees
Issuer Name
Citi
Credit Needed
Excellent, Good
Annual Fee
$450
APR
15.99% - 24.99% (Variable)
Penalty APR
Up to 29.99% (Variable)
Balance Transfer Fee
5% of each balance transfer; $5 minimum.
Cash Advance Fee
5% of each cash advance; $10 minimum
Foreign Transaction Fee
0%
- See all credit card details
Citi® Secured Mastercard®
On Citi's Secure Website.
At A Glance
Credit Needed
No Credit History
Annual Fee
$0
APR
22.49% (Variable)
On Citi's Secure Website.
Rates & Fees
Issuer Name
Citi
Credit Needed
Limited History, No Credit, New-to-Credit
Annual Fee
$0
APR
22.49% (Variable)
Penalty APR
Up to 29.99% (Variable)
Balance Transfer Fee
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum
Cash Advance Fee
5% of each cash advance; $10 minimum
Foreign Transaction Fee
3%
- See all credit card details
CitiBusiness® / AAdvantage® Platinum Select® Mastercard®
The information for the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.
At A Glance
Credit Needed
740-850
ExcellentAnnual Fee
$99, waived for first 12 months
APR
15.99% - 24.99% (Variable)
The information for the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.
Rates & Fees
Issuer Name
Citi
Credit Needed
Excellent
Annual Fee
$99, waived for first 12 months
APR
15.99% - 24.99% (Variable)
Penalty APR
Up to 29.99% (Variable)
Balance Transfer Fee
3% of each balance transfer; $5 minimum.
Cash Advance Fee
Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee
0%
- See all credit card details
Citi Simplicity® Card
On Citi's Secure Website.
At A Glance
Credit Needed
670-850
Good to ExcellentAnnual Fee
$0
APR
14.74% - 24.74% (Variable)
On Citi's Secure Website.
Rates & Fees
Issuer Name
Citi
Credit Needed
Excellent, Good
Annual Fee
$0
APR
14.74% - 24.74% (Variable)
Purchases Intro APR
0% for 12 months on Purchases
Balance Transfer Intro APR
0% for intro APR for 21 months on Balance Transfer
Balance Transfer Fee
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Cash Advance Fee
5% of each cash advance; $10 minimum
Foreign Transaction Fee
3%
- See all credit card details
Citi Prestige® Credit Card
The information for the Citi Prestige® Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.
Top Rewards Rates
- 5X
Points on Air Travel and Restaurants
- 3X
Points on Hotels and Cruise Lines
- 1X
Point on all other purchases
At A Glance
Credit Needed
740-850
ExcellentAnnual Fee
$495
Intro Bonus
50,000
APR
16.99% to 23.99%, based on your creditworthiness
The information for the Citi Prestige® Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.
Rates & Fees
Issuer Name
Citi
Credit Needed
Excellent
Annual Fee
$495
APR
16.99% to 23.99%, based on your creditworthiness
Penalty APR
Up to 29.99%, based on your creditworthiness.
Balance Transfer Fee
$5 or 3% of the amount of each transfer, whichever is greater
Cash Advance Fee
Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction Fee
None
- See all credit card details
My Best Buy Visa® Card
The information for the My Best Buy Visa® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.
Top Rewards Rates
- 5%
Back in rewards at Best Buy
- 3%
Back in rewards on gas purchases
- 2%
Back in rewards on dining and grocery purchases
- 1%
Back in rewards on everyday purchases
At A Glance
Annual Fee
$0
Intro Bonus
10% back on your first day of purchases
APR
25.24% variable
The information for the My Best Buy Visa® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.
Rates & Fees
Issuer Name
Citi
Annual Fee
$0
APR
25.24% variable
- See all credit card details
AT&T Access Card from Citi
The information for the AT&T Access Card from Citi has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.
Top Rewards Rates
- 2X
Points per dollar spent on purchases made online at eligible retail and travel websites.
- 2X
Points per dollar spent on products and services purchased directly from AT&T
- 1X
Point per dollar spent on other purchases
At A Glance
Annual Fee
$0
Intro Bonus
10,000
APR
13.99% to 22.99%, based on your creditworthiness
The information for the AT&T Access Card from Citi has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.
Rates & Fees
Issuer Name
Citi
Annual Fee
$0
APR
13.99% to 22.99%, based on your creditworthiness
Penalty APR
Up to 29.99%, based on your creditworthiness
Balance Transfer Fee
$5 or 3% of the amount of each transfer, whichever is greater
Cash Advance Fee
Either $10 or 5% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee
3% of each purchase transaction in US dollars
- See all credit card details
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
The information for the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.
Top Rewards Rates
- 2
AAdvantage® miles for every $1 spent at gas stations and restaurants.
- 2
AAdvantage® miles for every $1 spent on eligible American Airlines purchases
At A Glance
Credit Needed
670-850
Good to ExcellentAnnual Fee
$99, waived for first 12 months
Intro Bonus
50,000 American Airlines AAdvantage® bonus miles
APR
15.99% - 24.99% (Variable)
The information for the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.
Rates & Fees
Issuer Name
Citi
Credit Needed
Excellent, Good
Annual Fee
$99, waived for first 12 months
APR
15.99% - 24.99% (Variable)
Penalty APR
Up to 29.99% (Variable)
Balance Transfer Fee
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Cash Advance Fee
5% of each cash advance; $10 minimum
Foreign Transaction Fee
0%
- See all credit card details
Best feature: 0% intro APR on balance transfers
Citi Double Cash Card - 18 month BT offer
With the Citi Double Cash Card - 18 month BT offer you can earn cash back on every eligible purchase. Plus, with a 0% introductory APR on balance transfers and no annual fee, you can save money while you earn rewards. The standard APR is 13.99% – 23.99% (variable) based on your creditworthiness.
The Citi Double Cash Card - 18 month BT offer earns 1% cash back on purchases and another 1% cash back when you pay for your purchases in full. The card also offers benefits including a pass on your first late fee, identity theft coverage and Citi Entertainment, which offers exclusive access to event ticket sales.
Best for people who:
- Want to earn a good rate on cash back rewards without bonus categories.
- Don’t want to pay an annual fee.
- Can pay their balance each month.
Best feature: Three points per dollar on travel
Citi Premier Card
Travelers can earn excellent rewards with the Citi Premier Card. This card offers good rewards on air travel, hotels and other bonus spending categories, a good sign-up bonus and benefits including no foreign transaction fees.
You can use the Citi Premier Card to earn three points per dollar spent on air travel, hotels and gas station purchases. The card earns three points on restaurant and supermarket purchases and one point per dollar on all other purchases, and after you spend $4,000 in purchases within the first 3 months of account opening, you’ll earn a 80,000-point sign-up bonus.
There’s no limit to the number of points you can earn and points don’t expire. Each year, cardholders receive one $100 discount on a single hotel stay of $500 or more (excluding taxes and fees) purchased through thankyou.com. The card charges no foreign transaction fees, and Citi Entertainment is available to cardholders.
Best for people who:
- Travel frequently
- Want to redeem rewards for airfare
- Can earn enough rewards to offset the annual fee
Best feature: 0% intro APR on purchases
Citi Simplicity Card
The Citi Simplicity Card is designed to be easy to use.
With the Citi Simplicity Card, you will get a 0% Intro APR for 12 months on purchases from date of account opening and a 0% Intro APR for 21 months on balance transfers from date of first transfer. This is a longer offer period than many other cards with balance transfer offers. After the introductory APR expires, there is an APR of 14.74% to 24.74% (variable). The card charges a balance transfer fee of 5% of the amount transferred or $5, whichever is greater.
There is no annual fee, no late fee and no penalty rate associated with this card. Benefits include identity theft protection and zero dollar liability on unauthorized charges.
Best for people who:
- Need to pay down a balance
- Don’t want to pay an annual fee, late fee or penalty rate
- Are not looking for a rewards program
Citi / AAdvantage Platinum Select World Elite Mastercard
The Citi / AAdvantage Platinum Select World Elite Mastercard is a good choice for frequent flyers of American Airlines. This card offers 2 miles for every dollar spent at restaurants, gas stations, and on all eligible purchases with American Airlines, and 1 mile per dollar for all other purchases.
When you use this card to book American Airlines airfare, you’ll earn two miles per dollar. You can earn 50,000 bonus miles if you make at least after $2,500 in purchases within the first 3 months of account opening.
As a cardholder, you will get American Airlines flight perks including no foreign transaction fees, a free first checked bag on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation, preferred boarding on domestic flights, and 25% savings on inflight food and beverage purchases.
Best for people who:
- Frequently fly with American Airlines
- Can meet the sign-up bonus spending requirement
- Can earn enough rewards to offset the annual fee
There are many options for redeeming Citi ThankYou points. Redemption options include:
- Travel
- Gift cards
- Cash back
- Merchandise
- Shop or pay with points
- Online bill pay
- Charitable donations
Points earnings vary depending on which Citi card you carry. You can earn up to 10 points per dollar or 4 percent cash back on bonus categories with certain Citi credit cards.
In general, ThankYou points are worth 1 cent. For example, a $25 gift card can be purchased with 2,500 points.
Citi ThankYou points can be transferred to partner loyalty programs. Eligibility and transfer rates vary. These programs include:
- Asia Miles
- TrueBlue
- Flying Blue
- Shop Your Way
- Virgin Atlantic Flying Club
Most ThankYou points don’t expire as long as your credit card account is open and in good standing.
Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.
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