Citibank Credit Card Applications 2025

Citi Strata Elite℠ Card

Compare

APPLY NOW

on Citi's secure website

Excellent, Good Credit

our choice

Rating 4.1

For a limited time, earn 100,000 bonus Points after spending $6,000 in the first 3 months of account opening.
Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com
Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time
Earn 1.5 Points per $1 spent on All Other Purchases
Up to $300 Annual Hotel Benefit: Each calendar year, enjoy up to $300 off a hotel stay of two nights or more when booked through cititravel.com.
No Foreign Transaction Fees

Rates & Fees

Show more details Show less details

our choice

Points

on Hotels, Car Rentals, and Attractions

Max. Rewards:

Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com

Rewards on Everyday Purchases:

Earn 1.5 Points per $1 spent on All Other Purchases

Rewards Expiration:

Your Points won't expire.^µ

Earn

100,000

Bonus Points

Bonus Offer:

For a limited time, earn 100,000 bonus Points after spending $6,000 in the first 3 months of account opening.

$595

Annual Fee

Annual Fee:

$595

Foreign Transaction Fee:

Late Payment Fee:

See Terms

Citi Strata℠ Card

Compare

APPLY NOW

on Citi's secure website

Excellent, Good Credit

our choice

Rating 5.0

For a limited time, earn 30,000 bonus Points after spending $1,000 in the first 3 months of account opening.
0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Earn 3 ThankYou^® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
Earn 5 ThankYou^® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel^® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.
Earn 2 ThankYou^® Points for each $1 spent at Restaurants; earn 1 ThankYou^® Point for each $1 spent on All Other Purchases.
No Annual Fee

Rates & Fees

Show more details Show less details

our choice

Intro APR on Purchases & Balance Transfers

Intro APR on Purchases:

0% (15 months on Purchases)

Intro APR on Balance Transfer:

0% (15 months on Balance Transfers)

Regular APR:

18.74% - 28.74% (Variable)

Balance Transfer Fee:

There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening.

30,000

Bonus
ThankYou^® Points

Bonus Offer:

For a limited time, earn 30,000 bonus Points after spending $1,000 in the first 3 months of account opening.

Max. Rewards:

Earn 5 ThankYou^® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel^® via cititravel.com.

Redemption Options:

Redeem ThankYou^® Points for gift cards, travel rewards, shop with points and more^µ

Annual Fee

Annual Fee:

Foreign Transaction Fee:

Late Payment Fee:

See Terms

Citi Strata Premier^® Card

Apply for Citi Strata Premier<sup>®</sup> Card - Credit-Land.com

Compare

APPLY NOW

on Citi's secure website

Excellent, Good Credit

our choice

Rating 4.4

Earn 60,000 bonus ThankYou^® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
Earn 1 Point per $1 spent on all other purchases
$100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
No expiration and no limit to the amount of points you can earn with this card
No Foreign Transaction Fees on purchases

Rates & Fees

Show more details Show less details

our choice

Earn

60,000

Bonus ThankYou^® Points

Bonus Offer:

Earn 60,000 bonus ThankYou^® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.

Earn More
on Your

Daily Spending

Rewards on everyday purchases:

Earn 1 Point per $1 spent on all other purchases

Max. Rewards:

Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.

Rewards expiration:

No expiration and no limit to the amount of points you can earn with this card

Foreign Transaction Fee

Foreign Transaction Fee:

Annual Fee:

$95

Late Payment Fee:

See Terms

Citi Double Cash^® Card

Apply for Citi Double Cash<sup>®</sup> Card - Credit-Land.com

Compare

APPLY NOW

on Citi's secure website

Excellent, Good Credit

our choice

Rating 4.5

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.74% - 27.74%, based on your creditworthiness.
Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Rates & Fees

Show more details Show less details

our choice

$200

Cash Back Bonus

Bonus Offer:

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening.
This bonus offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back.

Earn Up to

Cash Back

Max. Rewards:

Earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.

Rewards on Everyday Purchases:

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.

Intro APR on Balance Transfers

Intro APR on Balance Transfer:

0% (18 months)

Regular APR:

17.74% - 27.74% (Variable)

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).

Citi^® / AAdvantage Business™ World Elite Mastercard^®

Apply for Citi<sup>®</sup> / AAdvantage Business™ World Elite Mastercard<sup>®</sup> - Credit-Land.com

Compare

APPLY NOW

on Citi's secure website

Excellent Credit

our choice

Rating 4.4

Designed for businesses
For a limited time, earn 75,000 American Airlines AAdvantage^® bonus miles after spending $5,000 in purchases within the first 5 months of account opening.
First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line.
25% savings on American Airlines inflight Wi-Fi when you use your card
Enjoy preferred boarding on American Airlines flights
Earn 2 AAdvantage^® miles per $1 spent on eligible American Airlines purchases, and on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations
Earn 1 AAdvantage^® mile per $1 spent on other purchases
Earn 1 Loyalty Point for every 1 eligible AAdvantage^® mile earned from purchases
No Foreign Transaction Fees

Rates & Fees

Show more details Show less details

our choice

Earn

75,000

Bonus AAdvantage^® miles

Bonus Offer:

For a limited time, earn 75,000 American Airlines AAdvantage^® bonus miles after spending $5,000 in purchases within the first 5 months of account opening.

Earn

AAdvantage^® Miles

Max. Rewards:

Earn 2 AAdvantage^® miles per $1 spent on eligible American Airlines purchases, and on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations

Rewards on Everyday Purchases:

Earn 1 AAdvantage^® mile per $1 spent on other purchases

Rewards Expiration:

Miles will not expire if you earn or redeem miles once every 24 months^µ

Foreign Transaction Fee

Foreign Transaction Fee:

Annual Fee:

$99, waived for first 12 months

Late Payment Fee:

See Terms

Citi^® Personal Loan

Apply for Citi<sup>®</sup> Personal Loan - Credit-Land.com

APPLY NOW

Excellent/Good Credit

our choice

Rating 4.9

Apply for a personal loan online for up to $30,000
Rates as low as 9.99% APR, which includes a 0.5% discount for enrolling in automatic payments^**
Zero fees – no origination fees, no late fees, no prepayment penalty, and no hidden fees
Up to 60 month repayment terms
Fast funding – same business day for most customers when deposited directly to a Citibank^® account or within 2 business days when deposited directly to a non-Citibank^® account

Show more details Show less details

our choice

Loans up to

$30,000

Minimum Loan Amount:

$2,000

Maximum Loan Amount:

$30,000

Term of Loan:

12-60 months

Instant Response

Credit Check:

Yes

Instant Response:

Yes

Credit Agencies Report:

Yes

Zero Fees

Activation Fee:

Annual Fee:

APR:

9.99% - 19.49%^**

Citibank^® Perks and
Products

Citibank is a big, national bank and you can expect a comprehensive selection of financial products, many perks, and a massive ATM network.

If you are interested in personal loans and credit cards, Citi offers an array of them. Citi personal loans usually offer rate discounts for enrolling in autopay, no origination fees, and quick funding. Existing Citi banking Relationship customers in the Citigold Relationship Tier or Citi Priority Relationship Tier can receive an additional discount on APR and same-day funding.

Those who are looking for Citi credit cards will find various options for almost any credit history and to fit various needs. Thus, travelers can find options from travel rewards credit cards to co-branded airline or gas credit cards. If you are building your credit, there is a secured credit card from Citi.

Citi even have their own rewards program - ThankYou^® Rewards. If you have a credit card that is part of the ThankYou^® Rewards program, you can earn additional ThankYou^® 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 even transferred to participating airline and hotel loyalty programs. Your ThankYou^® rewards will not expire unless your account is terminated, or you default on your card agreement.

Citi also allows customers to manage their accounts online through online account access and Citi Mobile^® App. The app and Citibank Online can be used to lock or unlock a card when it is lost or stolen, set travel notices, manage current accounts or even open a new one. Both online account and mobile app, can also be used to send, request and receive money from friends and family with Zelle^®.

questionsABOUT
CREDIT OFFERS

How to get the best credit card?

With the credit card issuers coming up with newer plans and strategies every passing day, there is no dearth of good deals in the market today. But not all deals are suitable for all customers. There are many factors...

How do store credit cards work?

Store credit cards, also known as retail credit cards, are credit accounts that are offered by retailers together with credit card issuing companies. Their usage is usually limited to the issuing...

How to get a personal loan? What do I need to get a personal loan?

Personal loans are offered to people with any credit history and credit score. You can apply for a loan in person at the nearest lender. Or you can go online and apply for a personal loan online, which is an easier and...

See all questions