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Citi® Credit Card Applications

Best Citi® Credit Cards

Citibank Credit Cards

Citi is one of the leading banks in the credit card industry, with approximately 21 million customers holding cards issued by Citi. Citi issues MasterCard, Visa, and American Express cards and has a vast array of options for students and businesses as well as personal credit cards. Their cards include rewards cards, travel and gas credit cards, hotel cards, prepaid cards, and more.

Citi offers mobile banking through Google Wallet, and their ThankYou rewards program gives customers points that can be redeemed for cash or used in their ThankYou Rewards online mall.

Sort Cards by:RatingIntro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeActivation Fee

Consumer Credit Cards

Card Name Minimum Credit HistoryIntro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeActivation FeeInstant Response

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Excellent0%
(18 months)26
0%
(18 months)26
11.99% -
21.99%26 (Variable)
$026$0No
Card Details:
  • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.26
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Easy DealsSM Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card. Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee.26
Our Expert Opinion
  • VIP access to presale tickets for live entertainment.
  • Get protected with Citi IdentityMonitor.
  • Earn Citi Easy Deals Points for purchases.

  • Balance transfer fee is 3% of each balance transfer.

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Excellent0%
(18 months)26
0%
(18 months)26
12.99% -
21.99% (Variable)
$026$0No
Card Details:
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER.
  • No penalty rate - EVER.
  • No annual fee - EVER.
  • Save time when you call with fast, personal help, 24 hours a day.
Our Expert Opinion
  • Good Promotional Period for balance transfer.
  • No late fees or penalty rate.

  • No rewards program.

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Excellentn/an/a13.99% -
21.99%26 (Variable)
$95, waived
for first 12 months26
$0No
Card Details:
  • Earn 30,000 American Airlines AAdvantage® bonus miles after $1,000 in purchases in the first 3 months of cardmembership.26
  • Your first eligible checked bag is free.26
  • Group 1 boarding and 25% savings on eligible in-flight purchases.26
  • Earn a $100 American Airlines Flight Discount every cardmembership year with qualifying purchases and cardmembership renewal.26
  • Double AAdvantage® miles on eligible American Airlines purchases.26
  • Earn 10% of your redeemed AAdvantage® miles back - up to 10,000 AAdvantage® miles each calendar year.26
Our Expert Opinion
  • Double miles on most American Airline Purchase.
  • 25% savings on eligible in-flight purchase.

  • Annual fee is $95 (waived for first 12 months26).

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Excellentn/an/a14.24%26 (Variable)None$0No
Card Details:
  • Earn 40,000 Hilton HHonors Bonus Points after spending $1,000 within 4 months of account opening.26
  • Earn 6 HHonors Bonus Points for each $1 spent at a participating hotel within the Hilton HHonors portfolio.26
  • Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations.26
  • Earn 2 HHonors Bonus Points for each $1 spent on all other purchases.26
  • No annual fee.26
Our Expert Opinion
  • Generous bonus program.
  • Easily book hotel rooms with HHonors Points.
  • Exceptional Visa Signature® benefits.

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Excellentn/an/a15.24%26 (Variable)$95$0No
Card Details:
  • Earn 2 weekend night certificates good at select hotels and resorts within the Hilton HHonors portfolio after $2,500 in eligible purchases within 4 months of account opening.26
  • Earn 10 HHonors Bonus Points per $1 spent on hotel stays within the Hilton HHonors portfolio.26
  • Earn 5 HHonors Bonus Points per $1 spent on airline and car rental purchases.26
  • Earn 3 HHonors Bonus Points per $1 spent on all other eligible purchases.26
  • Enjoy the benefits of HHonors Gold status as long as you are a cardmember.26
  • No foreign transaction fees on purchases.26
  • Travel with ease and enjoy global acceptance with your Citi chip credit card.
Our Expert Opinion
  • No foreign transaction fees.
  • Awesome bonus points, up to 10 points per $1 spent.
  • Travel accident and car rental insurance.

  • No 0% intro APR on purchases and balance transfers.
  • Quite high annual fee - $95.
  • Has balance transfer fee.

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Excellentn/an/a13.99% -
22.99%26 (Variable)
$125;
fee waived for the first 12 months26
$0No
Card Details:
  • Earn up to 50,000 bonus ThankYou® Points. Bonus points are redeemable for up to $500 in gift cards, up to $625 for airfare or other great rewards.
  • Earn 20,000 points after $2,000 in purchases within the first 3 months of account opening.
  • Earn an additional 30,000 points after another $3,000 in purchases within the first 3 months of your second year of being a cardmember.
  • Earn 3 ThankYou Points for every $1 spent on purchases for dining at restaurants and entertainment.
  • Earn 2 ThankYou Points for every $1 spent on purchases for airfare and hotels.
  • Earn 1 ThankYou Point per $1 spent on other purchases.
  • Points do not expire and earn unlimited Thank You Points.
  • Travel with ease and enjoy chip based technology.
Our Expert Opinion
  • Annual fee is waived for the first year.
  • Earn as many points as you want - your points won´t expire.
  • Pay no fee for foreign purchases.

  • Has an annual fee.

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Excellent0%
(12 months)26
0%
(12 months)26
12.99% -
22.99%26 (Variable)
$026$0No
Card Details:
  • Earn 20,000 bonus ThankYou® Points after $1,500 in card purchases within 3 months of account opening - redeemable for $200 in gift cards or other great rewards!
  • 0% intro APR on Balance Transfers and Purchases for 12 months. After that, the variable APR will be 12.99%-22.99% based upon your creditworthiness.26
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.26
  • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment.
  • 1 ThankYou Point on other purchases.
  • Points do not expire and earn unlimited Thank You Points.
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more.
  • Travel with ease and enjoy global acceptance with Chip Technology.
  • No annual fee.26
Our Expert Opinion
  • Free Personal Concierge Service.
  • Buy now. Save later with Citi® Price Rewind.
  • Earned points do not expire.

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Excellent0%
(12 months)26
0%
(12 months)26
12.99% -
22.99%26 (Variable)
$026$0No
Card Details:
  • Earn $100 cash back after $500 in purchases within the first 3 months of account opening.
  • Earn 5% cash back every quarter in must-have categories. Right now, on purchases at The Home Depot®, home furnishing and home and garden stores from 4/1/14 through 6/30/14.
  • Enrollment each quarter is quick and easy.
  • Earn 1% cash back on all other purchases.
  • The total cash back earned with the card is $300 per calendar year, excluding the $100 cash back with this offer. See Citi Dividend Card Reward Program Information.
  • 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness.26
  • No Annual Fee.26
  • Click Apply Now to see pricing details.
Our Expert Opinion
  • Convenient trip cancellation coverage.
  • Straightforward cash back rewards.
  • Covers against unauthorized transactions.

  • High standard APR.

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Excellent0%
(18 months)26
0%
(18 months)26
12.99% -
21.99% (Variable)
$026$0No
Card Details:
  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER.
  • No penalty rate - EVER.
  • No annual fee - EVER.
  • Save time when you call with fast, personal help, 24 hours a day.
Our Expert Opinion
  • Good Promotional Period for balance transfer.
  • No late fees or penalty rate.

  • No rewards program.

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Excellent0%
(15 months)26
0%
(15 months)26
12.99% -
22.99%26 (Variable)
$026$0No
Card Details:
  • Enjoy 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99% - 22.99% based upon your creditworthiness.26
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.26
  • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment.
  • 1 ThankYou Point on other purchases.
  • Points do not expire and earn unlimited Thank You Points.
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more.
  • Travel with ease and enjoy global acceptance with Chip Technology.
  • No annual fee.26
Our Expert Opinion
  • Good Anniversary Bonus Program.
  • $0 Liability on unauthorized charges.

Business Credit Cards

Card Name Minimum Credit HistoryIntro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeActivation FeeInstant Response

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Excellentn/an/a15.24% (Variable)$95, waived
for first 12 months26
$0No
Card Details:
  • Designed for businesses with an established credit history.
  • Earn 30,000 American Airlines AAdvantage® bonus miles after $1,000 in purchases in the first 3 months of cardmembership.26
  • Get the first checked bag free for you and up to 4 traveling companions.26
  • Enjoy Group 1 Boarding.26
  • Earn 2 American Airlines AAdvantage® miles for every $1 you spend on American Airlines purchases and on purchases at certain office supply, telecommunications and car rental merchants.26
  • Receive 25% savings on in-flight food and beverage purchases when you use your card.26
Our Expert Opinion
  • Earn bonus miles for making purchases.
  • Great travel reward program.

  • $95, waived for first 12 months.26

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Excellent0%
(6 months)
n/a13.24% (Variable)n/a$0No
Card Details:
  • Earn 15,000 bonus ThankYou® points after you make $3,000 in purchases within 3 months of cardmembership - redeemable for $150 in gift cards.
  • 0% introductory APR on purchases for 6 months. After that, 13.24% variable.26
  • Earn 3 ThankYou® points for every dollar you spend on eligible purchases in rotating business categories.26
  • Points do not expire and there is no cap to the ThankYou points you can earn.
  • Redeem points for great rewards from business supplies and merchandise to gift cards, travel rewards or even cash rewards.
  • No Annual fee.26
Our Expert Opinion
  • Allows you to set a spending limit on cards issued to employees.
  • Personal Business Assistant helps you book tickets, hotels, entertainment.
  • Flexible bonus program.

Student Credit Cards

Card Name Minimum Credit HistoryIntro APR on Purch.Intro APR on Bal. Tr.Regular APRAnnual FeeActivation FeeInstant Response

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Excellent / Good0%
(7 months)26
n/a13.99% -
23.99%26 (Variable)
$026$0No
Card Details:
  • Earn 2,500 bonus ThankYou® Points after spending $500 within the first 3 months of cardmembership.
  • 2 ThankYou® Points per dollar spent on purchases for dining at restaurants and entertainment.
  • 1 ThankYou® Point on other purchases.
  • Points do not expire and earn unlimited Thank You Points.
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more.
  • Travel with ease and enjoy global acceptance with Chip Technology.
  • No annual fee.26
Our Expert Opinion
  • 7-month 0% APR on purchases.
  • Big sign up bonus and no caps on rewards you can earn.
  • No annual fee.

  • Cash advance fee is either $10 or 5%.

Compare (45)
You've selected 45 cards for comparison. Click on "Compare" link to go to the full comparison list.
Good0%
(7 months)26
n/a13.99% -
23.99%26 (Variable)
$026$0No
Card Details:
  • Build credit while earning cash back fast.
  • Earn 5% cash back every quarter in must-have categories like department stores, travel and more, enrollment each quarter is quick and easy.
  • Earn 1% cash back on all other purchases.
  • The total cash back earned with the card is $300 per calendar year. See Citi Dividend Card Reward Program Information.
  • Choose your payment due date.
  • Manage your account online, on your tablet or on your Smartphone.
  • No Annual Fee.
  • Click Apply Now for pricing details.
Our Expert Opinion
  • Great way to earn cash back.
  • Good for building your credit rating.
  • No co-signer needed.

26 See the Citi card terms and conditions online.

See Also Credit Card Applications from Other Banks:

Citibank® Perks & Promotions

Citi ThankYou Points and Rewards

Using your Citi card to make purchases gives you points for every dollar you spend. Up to an annual rewards cap, you can earn additional points through special promotions as long as your account is current and in good standing. Citi ThankYou points can be redeemed for cash, gift cards, and more, and your points will not expire unless your account is terminated or you default on your card agreement.

Bring a Friend

Once a year, the Citi ThankYou Premier Card and the Citi ThankYou Prestige Card offer a complimentary companion ticket with a matching itinerary to yours when you purchase one round-trip coach class ticket. This ticket is good anywhere in the 48 contiguous United States, for the Premier Card, and internationally, with the Prestige Card. This offer is part of Citi's Spirit Incentives partner and reservations must be made through Spirit Incentives. The cardmember pays all taxes and fees for the companion travel ticket.

Try Our Credit Card Tools:

Use these tools to make some helpful calculations and comparisons to build your own plan for managing your credit health.

Balance Transfer Calculator: Save on average $1,400!

Balance Transfer Calculator

Carrying a balance? Find out how much you'll save - and how much faster you'll pay it off - by transferring your balance to a new card. Our Balance Transfer Calculator does the math for you and eliminates the guesswork.

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