Credit Cards » Compare Credit Cards » Best Citi Credit Cards of 2021
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Best Citi Credit Cards of 2021

Citi has a pool of different types of credit cards targeting individuals consumers. Here are our select’s picks for Citi credit cards

Some products that appear here are from companies from which this website receives compensation. This may impact how and where products appear on this site (including, for example, the order in which they appear). It doesn’t affect our editors’ opinions. our opinions are our own.

Citibank offers a variety of banking product services, with credit cards being one of its top products.

As one of the largest issuers of credit cards, Citi has a pool of different types of credit cards targeting both individuals and small business consumers. These cards also offer multiple perks and benefits such as cash backs, airline miles, and its proprietary rewards program known as ThankYou points. Whether you are looking for cash back credit cards, travel reward points, or to collect miles from your best airline, you are guaranteed to find a Citi credit card for your specific needs.

Here are The Smart Investor Select’s picks for Citi credit cards:

Citi Double Cash

Citi Double Cash Credit Card Review
On Citi Secure Website

Citi Double Cash

Reward details

Earn cash back twice on every purchase with unlimited 1% cash back when you buy + 1% as you pay for those purchases.
Up to 2X points for every $1 you spend

Current Offer

None
60,000 bonus points

Credit Rating

Good – Excellent

Annual Fee

$0

0% Intro

18-month

APR

13.99% – 23.99% 
  • Overview
  • Card Features
  • Pros & Cons

Looking for a credit card issuer that offers an unrivaled flat-rate cash back rewards on all your purchases with no annual fee and a straightforward reward structure, then look nowhere else; Citi Double Cash is the best for you. You can get up to 1% cashback when you use the card plus an additional 1% whenever you make a payment. The flexible redemption options of this card make it a potentially lucrative option for its users. Some of the benefits you can get from using this card include an outstanding cashback on unlimited purchases and generous intro APR on balance transfers. However, this card does not provide a one-time offer.

Citi ranked 6th out of 11 card issuers with a score of 801, according to the 2020 J.D. Power Credit Card Customer Satisfaction Study.

  • Rewards Plan: Earn cash back twice on every purchase with unlimited 1% cash back when you buy + 1% as you pay for those purchases.
  • APR: 13.99% - 23.99% 
  • Annual fee: $0
  • Balance Transfer Fee: $5 or 3%
  • Foreign Transaction Fee: 3%
  • Sign Up bonus: None
  • 0% APR Introductory Rate period: 18 months
  • Simple and Generous Rewards System
  • Competitive Balance-Transfer Policy
  • Fee Waiver on First Late Payment
  • No Annual Fee
  • No Sign-Up Bonus
  • No Intro 0% APR on Purchases
  • Balance Transfer Fee
  • Foreign Transaction Fee

Citi Premier®

Citi Premier Card review
On Citi Secure Website

Citi Premier®

Reward details

3 points for every $1 spent on restaurants, air travel and hotels, supermarkets ans gas stations, 1 point on all other purchases
Up to 3X points for every $1 you spend

Current Offer

60,000 Bonus Points after making $4,000 in purchases with your card within the first 3 months of account opening
60,000 Bonus Points

Credit Rating

Good – Excellent

Annual Fee

$95

0% Intro

None

APR

15.99% – 23.99%
  • Overview
  • Card Features
  • Pros & Cons

With the Citi Premier card, you'll earn unlimited 3 points for every $1 spent on restaurants, air travel and hotels, supermarkets and gas stations, 1 point on all other purchases. The points can be redeemed through the Citibank Thankyou Network that allows for the combining of points. They also can be used for things other than traveling, such as merchandise and gift cards.

As a sign up bonus, you'll get 60,000 Thank You points after spending $4,000 in the first 3 months of opening the card. It also has travel insurance that covers canceled or delayed flights and baggage delay insurance and it doesn't have a foreign transaction fee. These features help give you peace of mind while traveling at home and abroad.

However,  the card has an annual fee of $95  - so make sure the benefits you get cover the card fee.

  • Rewards Plan: 3 points for every $1 spent on restaurants, air travel and hotels, supermarkets ans gas stations, 1 point on all other purchases
  • APR: 15.99% - 23.99%
  • Annual fee: $95
  • Balance Transfer Fee: $5 or 3%
  • Foreign Transaction Fee: None
  • Sign Up bonus: 60,000 Bonus Points after making $4,000 in purchases with your card within the first 3 months of account opening
  • 0% APR Introductory Rate period: None
  • Sign-Up Bonus
  • No Foreign Transaction Fee
  • Thank you Points + No Limit
  • No Annual Fee for the First Year
  • Protection & Free Credit Score
  • $95 Annual Fee
  • No Intro 0% APR
  • Balance Transfer Fee
  • Complicated Rewards Structure and Redemption

Costco Anywhere Visa

Citi-costco-anywhere-visa-credit-card review

On Citi one Secure Website

Costco Anywhere Visa

Reward details

4% cash back on gas purchases (both at Costco and other gas stations) on up to $7,000 of spending a year, then 1% back + 3% cash back on restaurants and most travel purchases, 2% cash back at Costco and Costco.com, 1% cash back on all other purchases
1-4% cash back

Current Offer

None
No Sign Up bonus

Credit Rating

Good – Excellent

Annual Fee

None ( $60 Costco membership fee)

0% Intro

None

APR

15.24%
  • Overview
  • Card Features
  • Pros & Cons

This card is an amazing choice for regular Costco shoppers who want to earn a highly competitive cashback rewards on travel, dining and gas. Costco Anywhere Card does not charge any fee on foreign transactions and does not charge any annual fee. The card offers a huge 4% cashback on gas purchases, 3% cashback on eligible restaurant and travel as well as a 2% cashback on purchases at the Costco store and a 1% cashback on all your purchases.

To enjoy all these benefits, all you need to do is pay your annual Costco membership fee to maintain your card account. Some of the limitations attached to this card usage include; limited cashback redemption option and a cap on gas rewards.

 
  • Rewards Plan: 4% cash back on gas purchases (both at Costco and other gas stations) on up to $7,000 of spending a year, then 1% back + 3% cash back on restaurants and most travel purchases, 2% cash back at Costco and Costco.com, 1% cash back on all other purchases
  • APR: 15.24%
  • Annual fee: None ( $60 Costco membership fee)
  • Balance Transfer Fee: 3% or 5$
  • Foreign Transaction Fee: None
  • Sign Up bonus: None
  • 0% APR Introductory Rate period: None
  • Cashback on Costco, Gas, Restaurants and Travel and Other Spending
  • No Annual Fee
  • No Foreign Transaction Fee
  • Extended Manufacturer Warranty, Travel Perks
  • Redemption Restrictions
  • No Sign-Up Bonus or 0% APR Introductory Rate
  • There are Better Cashback Cards
  • High APR

Citi Simplicity

Citi Simplicity Credit Card Review

On Citi one Secure Website

Citi Simplicity

Reward details

None

Current Offer

None

Credit Rating

Good – Excellent

Annual Fee

$0

0% Intro

0% Intro APR for 18 months on purchases and balance transfers.

APR

14.74% – 24.74% day_”]
  • Overview
  • Card Features
  • Pros & Cons

If you need a card that will give you the freedom to pursue your dreams without pesky fees, Simplicity by Citi offers you a perfect solution. You need a credit score of between 690 to 850 to qualify for this card, and there are zero charges on purchases made within the first one year.

The Simplicity card also grants the holder free transfers for the first one year, which is a great incentive for anyone who wishes to get this card. As a bonus, there are no late fees or annual fees when using this card ever. Citi ranked 6th out of 11 card issuers with a score of 801, according to the 2020 J.D. Power Credit Card Customer Satisfaction Study.

  • APR: 14.74% - 24.74%
  • Annual fee: $0
  • Balance Transfer Fee: $5 or 3%
  • Foreign Transaction Fee: 3%
  • Rewards Plan: None
  • Sign Up bonus: None
  • 0% APR Introductory Rate period: 0% Intro APR for 18 months on purchases and balance transfers.
  • Extreme Forgiveness
  • No Annual Fee
  • 0% Purchases & Balance Transfer Intro APR (18 months)
  • No Rewards System
  • High APR
  • 5% Balance Transfer Fee

Citi Secured Mastercard

citi secured mastercard review

On Citi one Secure Website

Citi Secured Mastercard

Reward details

None

Current Offer

None

Credit Rating

Poor – Fair

Annual Fee

$0

0% Intro

None

APR

22.49%
  • Overview
  • Card Features
  • Pros & Cons

The Citi secured card is different from other secured credit cards. It is designed for individuals that have no credit or individuals with limited credit. Individuals with bad credit are not eligible to have this card. It's a great plus for you if you qualify because they don’t charge an annual fee, and they report all card activities to all the three main credit bureaus.

The Citi Secured Mastercard offers no rewards. Some of the benefits you can get from using this card include; free FICO score access, account alerts and flexible payment due date. However, there is a high annual percentage, which is one of the disadvantages of using this card.

  • APR: 22.49%
  • Annual fee: $0
  • Balance Transfer Fee: $5 or 3%
  • Foreign Transaction Fee: 3%
  • Rewards Plan: None
  • Sign Up bonus: None
  • 0% APR Introductory Rate period: None
  • Build Your Credit
  • No Annual Fee
  • Protection
  • Protection
  • No Rewards/Intro 0% APR Periods / Sign Up Bonus
  • High Ongoing Variable APR
  • Put Down a Refundable Deposit

Citi / AAdvantage Platinum

Citi_ AAdvantage Platinum card review

On Citi one Secure Website

Citi / AAdvantage Platinum

Reward details

Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants or eligible American Airlines purchases and 1 mile for every $1 spent on other purchases
Up to 2 Aadvantage Miles for every $1 you spend

Current Offer

Earn 60,000 American Airlines AAdvantage® bonus miles after spending $4,000 within the first 3 months of account opening.
60,000 American Airlines AAdvantage® bonus miles

Credit Rating

Good – Excellent

Annual Fee

$99, fee waived for the first 12 months.

0% Intro

None

APR

15.99% – 23.99%
  • Overview
  • Card Features
  • Pros & Cons

The Citi/ AAdvantage Platinum Select WorldElite Mastercard earns the cardholder double miles on all American Airline purchases, gas, and at restaurants. It offers 2 miles for every $1 spent at restaurants and gas stations and eligible American Airlines purchases. In addition, you'll earn 1 mile for every $1 spent on other purchases. 

The Citi/ AAdvantage Platinum  sign-up bonus gives the cardholder 60,000 AAdvantage miles after making $4,000 in purchases in the first 3 months of having opened the account. It also can make flying a little bit less of a hassle since the Citi/ AAdvantage gives the card holder a free checked bag, as well as a few other perks that can be nice when it comes to flying.

However, the card comes with $99 annual fee and the standard variable APR for purchases is 15.99% - 23.99% based on your creditworthiness

  • APR: 15.99% - 23.99%
  • Annual fee: $99, fee waived for the first 12 months.
  • Balance Transfer Fee: $5 or 3%
  • Foreign Transaction Fee: None
  • Rewards Plan: Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants or eligible American Airlines purchases and 1 mile for every $1 spent on other purchases
  • Sign Up bonus: Earn 60,000 American Airlines AAdvantage® bonus miles after spending $4,000 within the first 3 months of account opening.
  • 0% APR Introductory Rate period: None
  • Sign up Bonus
  • Great Rewards For AA Flyers
  • No Limit on Miles Earned
  • Mileage Benefits
  • Wide Network of Airlines
  • Free Checked bag and Preferred Boarding
  • Annual Fee
  • High Fees For Reward Changes
  • Travel on Many Partner Airlines Can’t be Redeemed Online
  • Blackout Dates on Some Rewards

How to Compare Citi Credit Cards

Citi Credit Cards Types & Differences 

Citi has different types of credit cards, with each card packed with multiple perks and benefits such as cash backs, 0% introductory interest rate, airline rewards, and other forms of cash and points rewards.

If you are a Citi customer, and you are looking for a new Citi credit card, here are the best Citi credit cards to consider:

  • Citi Premier Card (Best for travel rewards)

The Citi Premier card is the best Citi credit card for a sign-up bonus. This card earns you 60,000 in sign up bonuses if you spend $4000 in payments and purchases within three months of account opening.

Cardholders also get 3x points for using the card at restaurants, air travel, gas stations, and supermarkets, and an additional 1x per dollar spent on other purchases. This card has an annual charge of $95, and there are no charges on foreign transaction fees.

  • Citi Double Cash Card (Best for cash back rewards)

This Citi credit card offers one of the most generous cash back rates in the credit card market. It earns double cash backs for every purchase. You get 2% cash back on everything you buy; 1% cash back when you buy and other 1% when you for the purchase. Cardholders get a 0% APR period for the first 18 months.

Once this period lapses, the APR changes to a variable rate of 13.99 to 23.99%. This card can be used for credit card consolidation if you are looking to combine your credit card debts. Cardholders do not pay an annual fee for the Citi Double Cash Card.

  • Costco Anywhere Visa (Best for Costco Members)

This Citi credit card is designed exclusively for Costco members, and it earns cash points for every purchase made at Costco. It gives cardholders a 4% cash back on the first $7000 spent on gas purchases, and 1% thereafter.

Cardholders also get 3% cash back for using the card to pay for purchases in restaurants, 2% cash back for purchases at Costco and Costco.com, and 1% on other purchases. Although this card does not charge an annual fee, cardholders require a Costco membership card to get the Costco Anywhere Visa Citi card.

The Costco membership card requires an annual membership subscription. Costco Anywhere Visa has 0% foreign transaction fees.

  • Citi/AAdvantage Executive World Elite Mastercard (Best for airline travel)

This Citi credit card is one of the top-tier credit cards for American airlines that can help you earn cash back and premium benefits if you are a frequent American Airlines flyer.

Cardholders get 50,000 bonus ThankYou points when they pay $5000 in purchases using the card within three months of account opening. Cardholders get 2 AAdvantage miles for every dollar spent on American Airlines purchases, and another 1 AA advantage mile for every dollar incurred on other purchases.

Cardholders enjoy various travel perks including a membership to the American Admiral Club lounges, TSA PreCheck credit, priority boarding and check-in, and waived fees on the first checked bag. Cardholders pay a $450 annual fee for this card.

  • Citi Secured Mastercard (Best for credit building)

If you are looking to build your credit, the Citi Secured Mastercard is a good pick. This card does not offer rewards, and it is mainly designed for people with a limited credit history or people with bad credit who are looking to improve their credit score.

The repayment history is reported to credit bureaus and entered into the credit report. Once approved, users are required to deposit $200 to $2500, which acts as security for the credit. This card does not charge an annual fee.   

  • Citi Simplicity Card (Best for Balance Transfer)

If you need a card that will give you the freedom to pursue your dreams without pesky fees, Simplicity by Citi offers you a perfect solution. You need a credit score of between 690 to 850 to qualify for this card, and there are zero charges on purchases made within the first one year.

The Simplicity card also grants the holder free transfers for the first one year, which is a great incentive for anyone who wishes to get this card. As a bonus, there are no late fees or annual fees when using this card ever.

  • Citi Prestige Card

The Citi Prestige Credit Card is ideal for a regular traveler looking to collect airfare, dining, and hotel reward points. Once you sign up for this card, Citi rewards you with 50,000 if you spend $4000 on purchases in the first three months after account opening. Cardholders also get 5x points for every $1 spent on restaurants, airlines, and travel agencies, 3x points for every $1 spent on hotels and cruise lines, and 1x for every dollar spent on other purchases.

The Citi Prestige Card also offers other travel benefits such as a complimentary 4th-night free hotel stay, $250 in travel credits, cellphone protection, and airport lounge access with the Priority Pass Select. Cardholders pay a $495 annual fee for this card.

  • Citi Rewards + SM Card

The Citi Rewards + SM Card is the best credit card if you are looking to collect points for everyday purchases. This card rewards you 2x ThankYou points for the first $6000 you spend in supermarkets and gas stations, and 1x for all other purchases. Citi rounds off all ThankYou points to the nearest 10.

Once you sign up for the Citi Rewards+ card, Citi rewards you with 15,000 points if you spend $1000 in three months of account opening. If you redeem. The Citi Rewards + SM Card offers 0% introductory APR on balance transfers in the first 15 months. The APR increases a variable rate of 13.49% to 23.49%. The issuer also charges a fee of 3% to 5% on the transfer amount. This card does not have an annual fee.

What Credit Score Will I Need in Order to Get Approved?

When considering credit card applications, Citi uses credit scores as one of the main factors in deciding whether or not to approve the application.

Although Citi does not publish the specific credit scores needed to be approved for any of the cards, you should expect to have an excellent credit score to be approved for one of Citi’s top-tier credit cards. Here are the credit scores you will need to get a Citi credit card:

1. Excellent credit (750+)

With a credit score above 750, you are eligible for all of Citi's credit cards, assuming that you pass other credit approval requirements. Specifically, this credit score can make you eligible for a rewards card such as Citi Double Cash Card, Citi Rewards+ SM, Costco Anywhere Visa card, and Citi/AAdvantage Executive World Elite Mastercard.

2. Good credit (700-749)

A good credit score makes you eligible for some of Citi's attractive credit offerings such as Citi Premier Card, Citi Simplicity Card, and even the Citi Double Cash. If you have a good credit score, you can prequalify for any of the Citi cards to see where you stand.

3. Fair credit (640- 699)

A fair credit score makes you eligible for one of Citi's store cards that can be used in the participating stores. Examples of these store cards include Best Buy and Staples.

4. Bad credit (below 640)

If you have a limited credit history or bad credit, you are eligible for the Citi Secured Mastercard. This credit card is ideal is you are looking to rebuild your credit. However, you will need to make a deposit of $200 to $2500, which will be equal to your credit limit.

How Citi Cash Back Offers Work?

Citi cash back offers allow cardholders to earn cash rewards when they use the card to make cash purchases. Some of the cash back offers earn higher cash rewards on specific purchase categories like gas, restaurant bills, and airline tickets, and a lower reward for all other purchases.

If you are using the Citi Double Cash Card, you will get 2% cash back on every purchase made using your card i.e. 1% when you buy a product/service, and 1% after you pay the credit. You must make on-time payment of the credit to get the additional 1% cash back. This model is an alternative to the rotating categories and permanent categories cash back model.

For example, The Discover It Cash Back has a 5% cash back on specific categories on up to $1500 in purchases for every quarter, and 1% on all other purchases. A permanent category offers consistent cash back on specific stores. An example of credit card in the permanent category is the Blue Cash Everyday credit card by American Express. When using this credit card to make purchases, you get 3% cash back on up to $6000 spent in US supermarkets, 2% cash back on specific US gas stations, 2% cash back on US departmental stores, and another 1% on other store purchases.

How Citi Points Reward Offers Work?

Credit card reward points are points earned when you make purchases using your credit card. If you are using a Citi Credit card, the reward points are known as ThankYou Points. The Citi ThankYou rewards program is one of the most generous rewards for credit cardholders looking to redeem points for airline tickets, gift cards, shopping, cash rewards, and charity donation. The ThankYou rewards are accessible on Citi’s ThankYou website.

The three Citi credit cards that collect points include the Citi Premier Card, Citi Rewards+ SM Card, and Citi Prestige Card. You can earn ThankYou Points on these cards from the sign-up bonuses and by picking a card that offers the highest points in the categories where you spend the most.

If you are using the Citi Premier Card, you earn 60,000 ThankYou points when you total purchases for the first three months of account opening hit $4000. This card also earns 3x points for every dollar if you use your card to pay for purchases in gas stations, air travel, and supermarkets. You also get 1x points on all other category purchases. In comparison, the Citi Prestige earns 50,000 if the purchases for the first three months hit $4000. Cardholders also earn 5x points for every dollar spent in restaurants and air travel, 3x points for every dollar spent on hotel and cruise lines, and 1x for all other purchases.

What is the Citi Rewards Program?

Citi offers various rewards to its cardholders including cash back and ThankYou point rewards. This makes Citi reward programs as competitive as other reward programs in the credit card industry such as Chase Ultimate Rewards and Amex Membership Rewards. If you are looking to get your first Citi credit card, consider a card with these rewards:

1. Citi ThankYou Rewards

This rewards program lets banking and credit card customers collect points when they make purchases using a qualifying card. Depending on the card, you may qualify for signup bonuses, and earn 5x to 3x points for every dollar spent on a specific purchase category. These points do not expire, and you can earn as many points as you want.

Each ThankYou point is worth 0.8 to 1 cent depending on the redemption option you choose and the Citi credit card you have. You can redeem your ThankYou points for cash rewards, travel rewards, or gift cards from top retailers such as Amazon, eBay, Best Buy, and Live Nation. If you want to redeem your points for airline miles or hotel stays, check the ThankYou Travel center for active offers.

Citi also allows you maximize the value of your rewards by transferring them to a participating transfer partner. These partners mostly comprise Airline and hotel, travel partners. You can convert your points at a transfer rate of 1:1, with 1000 point increments.

2. Citi Cash Back Program

The Citi cash back program earns a return of 2% of the total amount spent on every qualifying purchase. This cash back includes 1% cash back when you swipe your card at the payment terminal, and another 1% cashback you pay back the credit. This reward program has no cap on the number of cash backs you can earn, and it does not track specific categories. However, you do not earn cash backs on cash advances, balance transfers, or account fees.

This reward program appeals to consumers who prefer fixed-rate earnings, and the fact that Citi allows these cash backs to be converted to ThankYou points if you hold the Citi Premier Card or Citi Prestige Card. You can also redeem the cash backs as direct deposits, checks, or a statement credit.

Citi Redemption Options + Cash Back Calendar 2021

From airline tickets to gift cards, there are endless opportunities for turning your cash back and Thank You points into actual rewards.

To see the available redemption options, go to Citi’s ThankYou website. Log in your account, and click on redemption categories at the top bar. The main redemption options include:

1. Gift cards

You can trade your ThankYou points for gift cards that you can use in over 100 local and international stores. You can use the gift cards to shop across various categories such as accessories, apparel, hotel and dining, health and beauty, and electronics.

Depending on the store, you can redeem your points at the ratio of 1:1.

2. Shop with points

Use your ThankYou points to pay for purchases directly at participating stores. When shopping with points, check the partner websites on ThankYou websites, and link the preferred retailer’s website and your ThankYou account.

Pick the preferred product you want to buy, and add to cart. Choose to pay using ThankYou Points and select the number of points required, and complete the purchase.

3. Travel rewards

Use your points to pay for airline tickets, car rentals, cruise lines, and hotel stays and dining. The value of each ThankYou point may vary from 0.5 cents to 1 cent, depending on the time of travel, cost of travel, and length of travel.

If you hold a qualifying Citi card, either Citi Premier Card or Citi Prestige Card, you can transfer your ThankYou points to participating travel loyalty programs on a 1:1 transfer ratio.

4. Other ways to redeem

There are a dozen other ways to redeem your Citi reward points. One of these redemption options is to use your ThankYou points to make a charitable contribution. If you are currently paying your student loan or mortgage, you can use your points to pay back the outstanding balance with a check to your lender of up to $1000. You can also get cash rewards in $50 and $100 denominations, with no limits on the number of rewards you can redeem.

Citi Cash Back Redemption Calendar 2021

  • Quarter 1 (January to March)

Earn your 5% cash back offer on Amazon.com on select streaming services starting 12/15/2020. The annual cash back is capped at $300, including the cash back earned on Amazon. The Citi redemption calendar for 2021 is available here.

How to Maximize Citi Rewards?

The Citi rewards program is one of the most generous programs for credit cardholders looking for lucrative points that can be redeemed for travel, gift cards, statement credit, or other rewards. If you are looking to get the most value from your credit cards, here are handy tips to help you maximize the cash back offers and ThankYou points:

  • Sign Up Bonus

If you are applying for a new Citi credit card, pick the card with the highest sign-up offers. Most of Citi's top-tier credit cards offer a generous sign-up bonus in the first few months of use.

For example, if you sign up for a Citi Premier Card, you earn 60,000 points if you incur up to $4000 in purchases in the first three months. Assuming a transfer rate of 1:1, the sign-up bonus is worth about $600. The value may be higher if you transfer the points to one of Citi's participating loyalty programs.

Even with an annual fee of $95, the sign-up bonus makes the Citi Premier Card worth it.

  • Pick the Card With the Highest Rewards

Citi has a wide range of credit cards that earn cash back offers and ThankYou points. Each card earns different rewards on unique categories. Getting one or two Citi credit cards can help you earn ThankYou points and cash back in different categories and increase your rewards.

The Citi Prestige Card earns 5x, 3x and 1x for every dollar spent to pay for purchases across multiple categories such as air travel, hotel stay, cruise lines, and restaurants. In comparison, The Citi Premier Credit Card earns 3x, 2x and 1x for every dollar spent on specific categories such as gas and entertainment.

Signing up for these two cards, and using them for everyday purchases can help you collect bonus points in different categories and boost your total rewards.

  • Transfer Points to a Partner Loyalty Program

If you want to get the most out of your points, you can transfer them to one of Citi’s transfer partners. This list includes retail and airline partners. Examples of partner airlines that accept ThankYou points include JetBlue, Emirates, Virgin Atlantic, Singapore Airlines, Air France. These partners have excellent offers for domestic and international flights to popular destinations such as Hawaii, Europe, and Mexico. Most of the partner airline alliances offer a transfer ratio of 1:1, and each point will give you 1 mile in the program. These rates may vary, and you should get the current rates before transferring your ThankYou points.

What are The Other Benefits of Having a Citi Card?

Whether you are looking to get the highest rewards or manage your spending, you can get the right Citi credit card for your needs. The following are some of the benefits you will get when you enroll for Citi credit cards:

  1. Attract introductory APR

Citi offers an attractive annual percentage rate (APR) on balance transfers on a select number of Citi credit cards i.e. Citi Double Cash Card and Citi Rewards+ SM. Citi Rewards+ SM has a 0% APR on balance transfers made in the first 15 months.

This rate changes to a variable APR rate of 13.49% to 23.49% when the 0% APR offer lapses. If you are looking to consolidate your credit cards, you can use either of these cards to enjoy the 0% introductory rate as you pay the remaining debts.

  1. Access to presale tickets

Some of the Citi credit cards give you exclusive access to presale tickets or VIP access to eligible concerts, sporting events, theater, and other events. You also get preferred access to entertainment experiences before they are released to the public.

If you are a Citi cardholder, you can check these offers on Citi Entertainment to get advance tickets to your band’s upcoming concert.

  1. Secure Credit Card

Citi offers fraud protection to its cardholders in the form of $0 liability on authorized charges on the cards. If the issuer detects unusual activity on your card, you will receive a fraud alert to help you take quick action. Citi also provides the Citi Quick Lock that lets you lock your card if it is stolen or lost, and unlock it when you find it.

How Many Citi Credit Cards Can I have at One Time?

There are no limits on the number of Citi credit cards you can have at any one time. If you meet the income and credit requirements for a card, you can have several Citi cards in your wallet.  However, Citi has various credit card application rules that you should consider:

  • Rule 1/8: Apply for only one credit card application every 8 days.
  • Rule 2/65: Apply for only two credit card applications every 65 days.
  • Rule 1/90: Apply for only business credit card once every 90 days.
  • 24 Month Rule: You only get a sign-up bonus for a Citi credit card once every 24 months.

How Do I Cancel a Citi Credit Card?

You can cancel your Citi credit card by phone or via your Citi online account.

If you want to cancel your Citi card by phone, call the bank representative at 800-950-5114. The representative will require you to provide your credit card details to close the card. However, the bank's representative will try to convince you to retain the card, and you may be forwarded to the customer retention department to try and persuade you against the decision.

If you prefer to cancel the credit card without calling the bank, log in to your account at citi.com using your assigned credentials. On the dashboard, scroll down and click “contact us” and then go to “chat with Citi”. Once a chat box pops up, ask the live chat support to cancel your credit card.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.