Best Citibank Credit Cards
April 2024
Citibank is the fourth largest bank in the United States. As you would expect, it has a wide range of credit card options. There is a Citi card designed for nearly every type of customer -- from students who are first-time credit card users to big spenders with a large balance to pay off.
SuperMoney may receive compensation from some or all of the companies featured, and the order of results are influenced by advertising bids, with exception for mortgage and home lending related products. Learn more
Citi offers some excellent credit cards including a cashback card with a particularly high rewards rate, a card with an extra-long 0% APR period for balance transfers, and an exceptional store card.
Below we summarize the best Citi cards based on SuperMoney's algorithms and community feedback. But which Citi credit card is the best? Well, the answer to that question depends on who's asking it. With multiple cards intended to meet different consumer needs, you have to make sure you're choosing the one that best meets your needs.
FAQs on Citibank Credit Card
Which is the best Citibank credit card?
The best Citi credit card for you will depend on your lifestyle and your goals. For example, if you're looking for a Citi credit card with a great cashback rate and a long 0% intro APR period, you should consider Citi's Double Cash Card.Which is the most recommended Citibank credit card?
The most recommended Citi credit cards change over time. Check the list of best Citibank credit cards above to see the current reviews and consumer ratings for our top choices.
How do Citi ThankYou rewards work?
Citi ThankYou Rewards is the rewards program Citi uses for several Citi credit cards, such as Citi Rewards+ Card, Citi Rewards+ Student Card, and the Citi Prestige Card. Every time you use one of those cards, you earn a set number of points per dollar spent. The rewards rate depends on the card. However, you’ll earn at least 1 point per dollar spent, and more when you spend money on bonus categories, such as groceries, gas, or travel purchases.One of the perks of ThankYou points is they can be transferred to partner loyalty programs, such as Jet Blue’s TrueBlue program, and the Virgin Atlantic Flying Club.
How many credit cards can you have at Citibank?
Unlike most card issuers, Citibank does not limit the number of cards you can have. However, it places a credit limit across all your Citi cards according to your creditworthiness. You won’t be able to get a new card once you hit your credit limit.
Citibank does not restrict the number of cards you can own, but they do limit the number of times you get new cards. Customers are allowed to get just two cards every two months. If it's a business card, you can only get a new one after 95 days.
What credit score do you need to qualify for a Citibank credit card?
As will most credit card issuers, the probability of approval laregely depends on your credit score. If your credit score is good, then you can quickly get approved for a Citibank card or any credit card for that matter. If your credit score is terrible, however, you may want to improve your score before applying.
Most Citi cards require a good credit score. So, you may have a shot with a credit score of 660+, but your odds will be better with a score of 720+. It all depends on which card you're after. If you have a poor credit score, consider Citi's secured card because it doesn't have a minimum score. If you use it correctly it can help you improve your credit score.
Which Citi credit card is the easiest to get?
The easiest Citi card to get is the Citi Secured Mastercard. It is the only one that will accept applicants with bad credit. The Citi Secured Card requires a refundable security deposit but has a $0 annual fee.
How does the Citi® Double Cash Card work?
This card pays you 2% cash back on all purchases, but that money comes in two parts: You get 1% cash back on every dollar you spend, then another 1% back on every dollar you pay back. The rewards structure gives you an incentive to pay off your charges as quickly as possible.
Can you prequalify for a Citi credit card?
Yes, you can find out if you prequalify for Citi cards online. You will need to provide some personal information, such as your name, address, and the last four digits of your SSN, so that they can pull your credit report. Don't worry. This is a soft inquiry, which will not hurt your credit score. Once you submit the form, you will find out which Citi cards you have a good chance of qualifying for. There is no guarantee you will get accepted, but it does mean you have excellent approval odds.
Did you find a Citi card that fits your lifestyle and budget needs? Congratulations! However, if you're still not sure a Citi credit card is the best choice for you, check our list of best personal credit cards. About the Author
SuperMoney
SuperMoney is the most comprehensive financial services comparison site around. We have published hundreds of personal finance articles and provide detailed reviews on thousands of financial products and services. Our unbiased advice and free comparison tools help consumers make smart financial decisions based on hard data, not marketing gimmicks.