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 Rewards Card
	Earn 15,000 bonus ThankYou Points after $1000 in card purchases within 3 months of account opening – enough for $150 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* Earn 1 ThankYou Point for every $1 you spend on all purchases No expiration and no limit on the points you can earn Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more Earn extra points when you shop through the ThankYou® Bonus Center, a network of 600+ retailers you know and love Travel with ease and enjoy global acceptance with Chip Technology No annual fee*
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0% 12 months 12.99%-22.99%* (Variable) $0* 0% Excellent Credit

Citi ThankYou® Card
	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* Earn 1 ThankYou Point for every $1 you spend on purchases. Enjoy no limit on the number of points you can earn 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*
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 15 months* 12.99%-22.99%* (Variable) $0* 0%* Excellent Credit

Citi Simplicity® Card
	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.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 18 months* 12.99% - 21.99%* (Variable) $0* 0%* Excellent Credit

Citi Simplicity® Card
	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, no penalty rate and no annual fee - ever. Save time when you call with fast, personal help, 24 hours a day.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 18 months* 12.99% - 21.99%* (Variable) $0* 0%* Excellent Credit

Citi® Diamond Preferred® Card
	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® Price Rewind searches for a lower price. Learn how you can get lower price after you purchase an item. 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*
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 18 months* 11.99%-21.99%* (Variable) $0* 0%* Excellent Credit

Citi® Dividend Platinum Select® Visa® Card
	$100 cash back after $500 in purchases within the first 3 months of account opening 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness* Earn 5% cash back from Citi at Home Depot, Home furnishing stores and home and garden stores between 4/1/13 and 6/30/13, with enrollment Enroll at no additional cost each quarter for new categories that earn additional cash back Full 1% cash back on all other purchases and eligible cash advances No annual fee*
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 12 months* 12.99%-22.99%* (Variable) $0* 0%* Excellent Credit

Citi Travel Reward Credit Cards

Citi® Hilton HHonorsTM Reserve Card
	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 Earn an anniversary bonus of 1 weekend night certificate at select hotels and resorts within the Hilton HHonors portfolio each cardmembership year with qualifying purchases*
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed N/A* N/A* 15.24%* (Variable) $95* N/A* Excellent Credit

Citi® Hilton HHonorsTM Visa Signature® Card
	Earn 40,000 Hilton HHonors Bonus Points after spending $1000 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.*
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed N/A* N/A* 14.24% or 16.24%* (Variable) None N/A* Excellent Credit

Citi® Platinum Select® / AAdvantage® Visa Signature® Card
	Earn 30,000 American Airlines AAdvantage® bonus miles after $1,000 in purchases within the first 3 months of cardmembership* Your first eligible checked bag is free* Priority Boarding with Group 1 privileges* 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*
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed N/A* N/A* 15.24%* (Variable) $95, waived for first 12 months* N/A* Excellent Credit

Citi Business Credit Cards

CitiBusiness ThankYouSM Card
	Designed for businesses with an established credit history Earn 15,000 bonus ThankYou® points after you make $3000 in purchases within 3 months of cardmembership - enough for $150 in gift cards 0% intro APR on Purchases for 6 months. After that, 13.24% variable Earn 3 ThankYou(R) points for every dollar you spend on eligible purchases in rotating business categories. Redeem points on things for your business or for yourself like business supplies, merchandise, gift cards, travel or even cash No limit to the amount of points you can earn on purchases and points don't expire No Annual Fee*
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 6 months* 13.24%* (Variable) N/A N/A* Excellent Credit

CitiBusiness®/ AAdvantage® World MasterCard®
	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* First eligible checked bag free for you and up to 4 traveling companions* Priority Boarding with Group 1 privileges* Earn 2 AAdvantage® miles for every $1 you spend on eligible American Airlines purchases and on purchases at certain office supply, telecommunications and car rental merchants* 25% Savings on eligible in-flight purchases
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed N/A* N/A* 15.24%* (Variable) $95, waived for the first 12 months* N/A* Excellent Credit

Citi Student Credit Cards

Citi® Dividend® Card for College Students
	Earn bonus cash back each quarter on new must-have categories- like department stores, travel and more, with enrollment Earn a full 1% cash back on all other purchases Free enrollment each quarter for new categories that earn additional cash back Manage your account online, on your tablet or on your Smartphone No Annual Fee
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 7 months* 13.99%-23.99%* (Variable) $0* N/A* Good Credit

Citi Forward® Card for College Students
	No Cosigner required 5 ThankYou® Points for every $1 you spend at restaurants and on entertainment; 1 point per $1 on all other purchases. APR reduction on purchases when using credit wisely 100 ThankYou Points each billing period that you pay on time and stay under your credit line.
Intro APR Intro APR Period Regular APR Annual Fee Balance Transfer Credit Needed 0%* 7 months* 13.99%-23.99%* (Variable) $0* N/A* Good Credit

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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.

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