Citi Credit Cards
Citi offers credit cards with long 0% intro APR periods, travel rewards, and cash back. Compare Citi cards to find an option that fits your spending habits and financial goals.
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Top Picks
Mastercard
Balance Transfer
No Annual Fee
0% Intro APR
Credit Score
680
850
Good - Excellent
Annual Fee
$0
Foreign Fee
3%
Purchase APR
0% for 12 mo
Balance Transfer
0% for 21 mo
Regular APR
16.49% - 27.24% (Variable)
- 0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 16.49% - 27.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- 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).
- No Annual Fee - our low intro rates and all the benefits don't come with a yearly charge.
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- Buy now and pay later. Split your payment for eligible purchases of $75 or more into a fixed payment with Citi® Flex Pay.
- Get free access to your FICO® Score online.
Rates & fees apply. View the
Rates & Fees.
Mastercard
Rewards
Travel
No Foreign Fees
Credit Score
720
850
Excellent
Intro Offer
$6,000
Annual Fee
$595
Foreign Fee
0%
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
20.49% - 28.49% (Variable)
- Earn 75,000 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
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- 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 apply. View the
Rates & Fees.
Mastercard
Rewards
Travel
Balance Transfer
No Annual Fee
0% Intro APR
Gas
Credit Score
680
850
Good - Excellent
Intro Offer
$1,000
Annual Fee
$0
Foreign Fee
3%
Purchase APR
0% for 15 mo
Balance Transfer
0% for 15 mo
Regular APR
18.49% - 28.49% (Variable)
- Earn 20,000 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 18.49% - 28.49%, 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.
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- 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 apply. View the
Rates & Fees.
Mastercard
Balance Transfer
No Annual Fee
0% Intro APR
Credit Score
680
850
Good - Excellent
Annual Fee
$0
Foreign Fee
3%
Purchase APR
0% for 12 mo
Balance Transfer
0% for 21 mo
Regular APR
17.49% - 28.24% (Variable)
- No Late Fees, No Penalty Rate, and No Annual Fee... Ever
- 0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 17.49% - 28.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- 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).
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- Stay protected with Citi® Quick Lock
Rates & fees apply. View the
Rates & Fees.
Mastercard
Rewards
Travel
No Foreign Fees
Gas
Dining
Credit Score
680
850
Good - Excellent
Intro Offer
$4,000
Annual Fee
$95
Foreign Fee
0%
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
19.49% - 27.49% (Variable)
- 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.
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- 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 apply. View the
Rates & Fees.
Mastercard
Cash Back
Rewards
Travel
Balance Transfer
No Annual Fee
Gas
Dining
Credit Score
680
850
Good - Excellent
Intro Offer
$200 cash back
Annual Fee
$0
Rewards Rate
Up to 5%
Foreign Fee
3%
Purchase APR
N/A
Balance Transfer
0% for 18 mo
Regular APR
18.24% - 28.49% (Variable)
- 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 18.24% - 28.49%, based on your creditworthiness.
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- 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 apply. View the
Rates & Fees.
VISA
Cash Back
Rewards
Travel
No Annual Fee
No Foreign Fees
Gas
Dining
Credit Score
720
850
Excellent
Annual Fee
$0
Rewards Rate
Up to 5%
Foreign Fee
0%
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
18.74% - 26.74% (Variable)
- Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
- Earn 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter.
- 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel.
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- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
- No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
- Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
Rates & fees apply. View the
Rates & Fees.
Editorial Note: Opinions expressed here are the author's alone. This content has not been reviewed, approved, or otherwise endorsed by any credit card issuer. Rates and fees are subject to change; always verify on the issuer's website.
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