Citi Credit Cards Review

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If you rank US banks by order of assets, Citi comes in a distant third to JP Morgan Chase and Bank of America.  Founded way back in 1812 as the City Bank of New York, Citibank has operations in more than 100 countries, including 1,400+ branches in the United States.  Up until 2008, Citibank was regarded as one of the most popular banks amongst consumers, although a bailout of more than $50 billion saw Citi fall from first to (near) worst.

One aspect of Citi that remains strong is their credit card offers.  Even in the last few years while issuers were cutting down the number of credit cards and perks they offer, Citi continues to pepper consumers with big bonuses and outstanding overall offers.  The brand has always been focused on the low-interest, balance transfer type cardholder, but has recently branched out to the cash back and rewards world, offering bonuses of $500 or more in some cases.

Below you’ll find a list of current Citi credit card offers.  There’s a good smattering of this and that, and if you happen to own a Citi card which is still offered that didn’t make the list, let us know.

Citi Consumer Credit Cards

Citi ThankYou® Preferred Card - Earn 20,000 Bonus Points
Citi ThankYou® Preferred Card - Earn 20,000 Bonus Points
Apply Now...
at CitiBank's
secure site
  • 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*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.*
  • 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*
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
0%* 12 Months* 0%* 12 Months* 12.99% – 22.99%* Variable $0*
743 Average credit score approved for this card† 697 Lowest credit score approved for this card†

Citi ThankYou® Preferred Card - Low Intro APRs
Citi ThankYou® Preferred Card - Low Intro APRs
Apply Now...
at CitiBank's
secure site
  • 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*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • 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 ThankYou 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*
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
0%* 15 Months* 0%* 15 Months* 12.99% – 22.99%* Variable $0*
727 Average credit score approved for this card† 641 Lowest credit score approved for this card†

Citi Simplicity® Card
Citi Simplicity® Card
Apply Now...
at CitiBank's
secure site
  • 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.
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
0%* 18 Months* 0%* 18 Months* 12.99% – 21.99%* Variable $0*
701 Average credit score approved for this card† 652 Lowest credit score approved for this card†

Citi Simplicity® Card
Citi Simplicity® Card
Apply Now...
at CitiBank's
secure site
  • 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.
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
0%* 18 Months* 0%* 18 Months* 12.99% – 21.99%* Variable $0*
720 Average credit score approved for this card† 644 Lowest credit score approved for this card†

Citi® Diamond Preferred® Card
Citi® Diamond Preferred® Card
Apply Now...
at CitiBank's
secure site
  • 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.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Easy Deals(SM) 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.
  • Enjoy special access to presale tickets, preferred seating, VIP packages, and unique entertainment experiences through Citi Private Pass®.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
0%* 18 Months* 0%* 18 Months* 11.99% – 21.99%* Variable $0*
727 Average credit score approved for this card† 672 Lowest credit score approved for this card†

Citi Travel Reward Credit Cards

Citi® Hilton HHonors™ Visa Signature® Card
Citi® Hilton HHonors™ Visa Signature® Card
Apply Now...
at CitiBank's
secure site
  • Earn 40,000 Hilton HHonors Bonus Points after spending $1,000 within 4 months of account opening.*
  • Earn 6 HHonors Bonus Points for each $1 spent at a participating hotel within the Hilton HHonors portfolio.*
  • Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations.*
  • Earn 2 HHonors Bonus Points for each $1 spent on all other purchases.*
  • No annual fee.*
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A 14.24% or 16.24% Variable None
748 Average credit score approved for this card† 659 Lowest credit score approved for this card†

Citi® Hilton HHonors™ Reserve Card
Citi® Hilton HHonors™ Reserve Card
Apply Now...
at CitiBank's
secure site
  • 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*
  • Earn 10 HHonors Bonus Points per $1 spent on hotel stays within the Hilton HHonors portfolio*
  • Earn 5 HHonors Bonus Points per $1 spent on airline and car rental purchases*
  • Earn 3 HHonors Bonus Points per $1 spent on all other eligible purchases*
  • Enjoy the benefits of HHonors Gold status as long as you are a cardmember*
  • No foreign transaction fees on purchases*
  • Travel with ease and enjoy global acceptance with your Citi chip credit card
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A 15.24%* Variable $95
746 Average credit score approved for this card† 664 Lowest credit score approved for this card†

Citi® Platinum Select® / AAdvantage® World MasterCard®
Citi® Platinum Select® / AAdvantage® World MasterCard®
Apply Now...
at CitiBank's
secure site
  • Earn 30,000 American Airlines AAdvantage® bonus miles after $1,000 in purchases in the first 3 months of cardmembership*
  • Your first eligible checked bag is free*
  • Group 1 boarding and 25% savings on eligible in-flight purchases*
  • Earn a $100 American Airlines Flight Discount every cardmembership year with qualifying purchases and cardmembership renewal*
  • Double AAdvantage® miles on eligible American Airlines purchases*
  • Earn 10% of your redeemed AAdvantage® miles back – up to 10,000 AAdvantage® miles each calendar year*
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A 13.99% - 21.99%* Variable $95, waived for first 12 months*
723 Average credit score approved for this card† 642 Lowest credit score approved for this card†

Citi Business Credit Cards

CitiBusiness® / AAdvantage® World MasterCard®
CitiBusiness® / AAdvantage® World MasterCard®
Apply Now...
at CitiBank's
secure site
  • 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*
  • Get the first checked bag free for you and up to 4 traveling companions*
  • Enjoy Group 1 Boarding*
  • 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*
  • Receive 25% savings on in-flight food and beverage purchases when you use your card*
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
N/A N/A N/A N/A 15.24% (Variable) $95, waived for the first 12 months
742 Average credit score approved for this card† 668 Lowest credit score approved for this card†

CitiBusiness ThankYou® Card
CitiBusiness ThankYou® Card
Apply Now...
at CitiBank's
secure site
  • 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*
  • Earn 3 ThankYou® points for every dollar you spend on eligible purchases in rotating business categories*
  • 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 *
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
0% 6 Months N/A N/A 13.24%* Variable N/A
0 Average credit score approved for this card† 0 Lowest credit score approved for this card†

Citi Student Credit Cards

[showoff template=ck_box offer=CCCitiBank1297]
Citi® Dividend® Card for College Students
Citi® Dividend® Card for College Students
Apply Now...
at CitiBank's
secure site
  • 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
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
0%* 7 months* N/A N/A 13.99% – 23.99%* Variable $0*
697 Average credit score approved for this card† 579 Lowest credit score approved for this card†

Published or Updated: February 12, 2014
About Rob Berger

Rob founded the Dough Roller in 2007. A litigation attorney in the securities industry, he lives in Northern Virginia with his wife, their two teenagers, and the family mascot, a shih tzu named Sophie.

Comments

  1. christine says:

    Had a horrible experience with them five years ago. Never going back. Worst customer service ever. My card get hacked – takes me almost a year to get all the charges cleared. The one person who should help me was never returning phone calls or in the office. Horrible.

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