Best ‎Citibank Credit Cards | CompareCredit

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Last fact checked: Aug. 23, 2026

Best Citi Credit Cards of August 2026

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2026 Best of Awards Winner

2026 Best of Awards Winner

Citi^® Diamond Preferred^® Card

5.0

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on Citibank's secure site

Intro Balance Transfer APR0% for 21 months on Balance Transfers
Intro Purchase APR0% for 12 months on Purchases
Regular APR16.49% - 27.24% (Variable) APR
Annual Fee$0
Credit Score NeededExcellent, Good
Card Brand

Select to apply online
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.
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.

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Citi Strata^℠ Card

4.5

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on Citibank's secure site

Welcome OfferEarn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
Self-Select Categories 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.
Additional RewardsEarn 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.
Annual Fee$0
Credit Score NeededExcellent, Good
Card Brand

Select to apply online
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.
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

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2026 Best of Awards Winner

2026 Best of Awards Winner

Citi Double Cash^® Card

5.0

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on Citibank's secure site

Welcome OfferEarn $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.
Rewards RateEarn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Intro APR0% for 18 months on Balance Transfers, 18.24% - 28.49% (Variable) APR thereafter
Annual Fee$0
Credit Score NeededExcellent, Good
Card Brand

Select to apply online
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.
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).

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Citi Simplicity^® Card

4.5

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on Citibank's secure site

Intro APR0% for 18 months on Balance Transfers and 0% for 18 months on Purchases
Regular APR17.49% - 28.24% (Variable) APR
Rates & FeesNo Late Fees, No Penalty Rate, and No Annual Fee
Annual Fee$0
Credit Score NeededExcellent, Good
Card Brand

Select to apply online
0% Intro APR on balance transfers and purchases for 18 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).
No Late Fees, No Penalty Rate, and No Annual Fee... Ever
$0 liability on unauthorized charges.

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Costco Anywhere Visa^® Card by Citi

4.5

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on Citibank's secure site

Bonus RewardsEarn 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
Rewards Rate3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel, 2% cash back on all other purchases from Costco and Costco.com, and 1% cash back on all other purchases
Extra PerksPay no annual fee and no foreign transaction fees
Annual Fee$0
Credit Score NeededExcellent
Card Brand

Select to apply online
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.
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

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Citi Strata Premier^® Card

5.0

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on Citibank's secure site

Welcome OfferEarn 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.
Rewards Rate10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com. 3x -- Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases. 3x -- Earn 3 Points per $1 spent on Restaurants. 3x -- Earn 3 Points per $1 spent on Supermarkets. 3x -- Earn 3 Points per $1 spent on Gas and EV Charging Stations. 1x -- Earn 1 Point per $1 spent on All Other Purchases.
Extra PerksTravel insurance protection: Trip Cancellation and Trip Interruption (Common Carrier), Trip Delay, Lost or Damaged Luggage, MasterRental Coverage (Car Rental).
Annual Fee$95
Credit Score NeededExcellent, Good
Card Brand

Select to apply online
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

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Citi Strata Elite^℠ Card

4.5

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on Citibank's secure site

Welcome OfferEarn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.
Rewards RateEarn 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.
Extra PerksEach calendar year, enjoy up to $300 off a hotel stay of two nights or more when booked through cititravel.com.
Annual Fee$595
Credit Score NeededExcellent, Good
Card Brand

Select to apply online
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
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

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Citi^® / AAdvantage^® Globe^™ Mastercard^®

4.5

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on Citibank's secure site

Welcome OfferEarn 60,000 American Airlines AAdvantage^® bonus miles after $4,000 in purchases in the first 3 months of account opening.
Rewards RateEarn 6 AAdvantage^® miles for every $1 spent on eligible hotels booked through aadvantagehotels.com, 3 AAdvantage^® miles for every $1 spent on eligible American Airlines purchases, 2 AAdvantage^® miles for every $1 spent at restaurants, including takeout and delivery, and 1 AAdvantage^® miles for every $1 spent on all other purchases.
Extra PerksReceive four Admirals Club^® Globe^™ Passes every calendar year, plus a Global Entry^® or TSA PreCheck^® application fee credit of up to $120 every 4 years.
Annual Fee$350
Credit Score NeededExcellent, Good
Card Brand

Select to apply online
Earn 60,000 American Airlines AAdvantage^® bonus miles after $4,000 in purchases in the first 3 months of account opening.
American Airlines AAdvantage^® bonus miles are not available if you have received AAdvantage^® bonus miles for a new AAdvantage^® Globe^™ account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a AAdvantage^® Globe^™ account.
Every calendar year, receive four Admirals Club^® Globe^™ Passes.
Global Entry^® or TSA PreCheck^® application fee credit of up to $120 every 4 years.
Earn 6 AAdvantage^® miles for every $1 spent on eligible hotels booked through aadvantagehotels.com.
Earn 3 AAdvantage^® miles for every $1 spent on eligible American Airlines purchases.
Earn 2 AAdvantage^® miles for every $1 spent at restaurants, including takeout and delivery.
Earn 1 AAdvantage^® miles for every $1 spent on all other purchases.

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