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Citi Premier® Credit Card

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(4.5) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$95

Bonus Offer

Earn 60,000 bonus ThankYou(R) Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou(R) Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel(SM) portal through June 30, 2024.

Bonus points for spend in the following bonus categories:

3x
Airfare
Estimated Rewards Value: 4.8%
3x
Gas Stations
Estimated Rewards Value: 4.8%
3x
Dining Out / Food Delivery
Estimated Rewards Value: 4.8%
3x
Hotels
Estimated Rewards Value: 4.8%
3x
Groceries
Estimated Rewards Value: 4.8%
1x
Everything Else
Estimated Rewards Value: 1.6%
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 more
  • Earn triple points from five distinct spending categories from air travel and hotels to restaurants, supermarkets, gas stations
  • Take advantage of World Elite Mastercard perks, like Lyft and DoorDash perks and extended warranty protection
  • Citi ThankYou points are extremely flexible, with the ability to utilize an array of 14 airline and two hotel transfer partners to get the most bang for your buck on travel

Pros

  • The $95 annual fee can be completely offset by the $100 hotel credit
  • Redeem Citi ThankYou points for a variety of travel, including the ability to transfer points to a total of 16 airline and hotel programs
  • Generous welcome bonus

Cons

  • Unlike some competitors, there are no included travel insurance or trip protection benefits in case something goes wrong
  • Citi ThankYou points can only be transferred to airline programs (no hotels) and of them, the partners are more obscure international airlines
  • Weaker on travel perks, with no airport lounge access or TSA PreCheck/Global Entry reimbursement
Annual Fee: $95
Foreign
Transaction Fee:
0%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.01-$0.016

If you have a Citi Premier card or a legacy Citi Prestige card, you can transfer your points to Citi's full range of airline and hotel partners. Other ThankYou points-earning cards can be pooled with your Premier or Prestige to unlock airline and hotel program transfers. We calculate that you can get an average of 1.6 cents per point when redeeming this way. If you have any other Citi ThankYou point cards and do not have a Premier or Prestige, then your ThankYou points are worth 1 cent each.

APR: 21.24%-29.24% (Variable)
Balance
transfer fees:
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Author: Chris Dong
Editor: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: November 30, 2023
Intro bonus:
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Annual Fee:
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Citi Custom Cashâ„  Card

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(3.8) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Fair (580-669) *
Annual Fee:
$0

Bonus Offer

$200 in the form of 20,000 bonus ThankYou points when you spend $1,500 within 6 months

Bonus points for spend in the following bonus categories:

5x
Airfare
Estimated Rewards Value: 5%
5x
Transit
Estimated Rewards Value: 5%
5x
Car Rentals
Estimated Rewards Value: 5%
5x
Gas Stations
Estimated Rewards Value: 5%
5x
Dining Out / Food Delivery
Estimated Rewards Value: 5%
5x
Hotels
Estimated Rewards Value: 5%
5x
Gym Memberships
Estimated Rewards Value: 5%
5x
Streaming Services
Estimated Rewards Value: 5%
5x
Drugstores
Estimated Rewards Value: 5%
5x
Entertainment (Concerts / Shows / Movies)
Estimated Rewards Value: 5%
5x
Groceries
Estimated Rewards Value: 5%
1x
Everything Else
Estimated Rewards Value: 1%
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 more
  • The Citi Custom Cash rewards you with 5% cash back on your top spending category each month, on up to $500, from a broad range of selected categories.
  • The only credit card to offer 5% on home improvement stores.
  • The Citi Custom Cash card pairs well with a Citi Double Cash card, Citi Premier, or both!

Pros

  • 5% is the highest possible reward for many of the Custom Cash Card's bonus categories
  • No annual fee
  • Includes very rare bonus categories, like home improvement stores

Cons

  • With the Citi Custom Cash, your 5X earnings are capped at $500 per statement cycle on your top spend category each billing period
  • Has a fairly low bonus offer, although not too bad for a no-annual fee credit card
  • Charges a foreign transaction fee
Annual Fee: $0
Foreign
Transaction Fee:
3%
Min Credit
Score:
Fair (580-669) *
Point
Value:
$0.01-$0.016

If you have a Citi Premier card or a legacy Citi Prestige card, you can transfer your points to Citi's full range of airline and hotel partners. Other ThankYou points-earning cards can be pooled with your Premier or Prestige to unlock airline and hotel program transfers. We calculate that you can get an average of 1.6 cents per point when redeeming this way. If you have any other Citi ThankYou point cards and do not have a Premier or Prestige, then your ThankYou points are worth 1 cent each.

APR: 0 % Intro APR (on purchases for 15 months, 19.24%-29.24% thereafter)
APR: 0% Intro APR (on balance transfers for 15 months, 19.24%-29.24% thereafter)
Balance
transfer fees:
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Author: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: November 30, 2023
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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Notify me of bonus offer changes

Citi Rewards+®

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(3.4) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Good (670-739) *
Annual Fee:
$0

Bonus Offer

Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening

Bonus points for spend in the following bonus categories:

2x
Gas Stations
Estimated Rewards Value: 2%
2x
Groceries
Estimated Rewards Value: 2%
1x
Everything Else
Estimated Rewards Value: 1%
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 more
  • You'll earn 2x Citi ThankYou points on grocery stores and gas station purchases, up to your first $6,000 in annual spending
  • No annual fee card
  • All purchases automatically rounds up to the nearest 10 points; plus, you'll get 10% of your points back when you redeem (for up to the first 100,000 points redeemed annually)

Pros

  • No annual fee
  • Complimentary purchase coverage, including extended warranty and purchase protection on eligible items bought with the card
  • Round up feature allows you to earn rewards to the nearest 10 points

Cons

  • The bonus 2x rewards on supermarkets and gas stations is limited to a $6,000 annual spending cap, which means that you'll only earn 1x points per dollar afterwards and on other purchases
  • The value of redemption options ranges from 0.5 to 1 cent per point (although potentially more if you also have a Citi Premier® card), so you'll want to choose your rewards wisely
  • There is a 3% foreign transaction fee
Annual Fee: $0
Foreign
Transaction Fee:
3%
Min Credit
Score:
Good (670-739) *
Point
Value:
$0.01-$0.016

If you have a Citi Premier card or a legacy Citi Prestige card, you can transfer your points to Citi's full range of airline and hotel partners. Other ThankYou points-earning cards can be pooled with your Premier or Prestige to unlock airline and hotel program transfers. We calculate that you can get an average of 1.6 cents per point when redeeming this way. If you have any other Citi ThankYou point cards and do not have a Premier or Prestige, then your ThankYou points are worth 1 cent each.

APR: 0 % Intro APR (on purchases for 15 months, 18.74%-28.74% thereafter)
APR: 0% Intro APR (on balance transfers for 15 months, 18.74%-28.74% thereafter)
Balance
transfer fees:
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).
Author: Stella Shon
Editor: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: November 30, 2023
Intro bonus:
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Annual Fee:
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Benefits:
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Citi® Double Cash Card

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(3.6) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Min Credit Score:
Fair (580-669) *
Annual Fee:
$0

Bonus Offer

There is no bonus offer at this time

Bonus points for spend in the following bonus categories:

2x
Everything Else
Estimated Rewards Value: 2%
+
 more
  • It's easy to earn 2% cash back on all purchases
  • No annual fee
  • Can be combined with a Citi Premier to transfer points to airline and hotel partners

Pros

  • It's easy to earn 2% cash back on all purchases
  • No annual fee
  • Can be combined with a Citi Premier to transfer points to airline and hotel partners

Cons

  • No bonus categories
  • No travel or shopping protections
  • Charges a foreign transaction fee
Annual Fee: $0
Foreign
Transaction Fee:
3%
Min Credit
Score:
Fair (580-669) *
Point
Value:
$0.01-$0.016

If you have a Citi Premier card or a legacy Citi Prestige card, you can transfer your points to Citi's full range of airline and hotel partners. Other ThankYou points-earning cards can be pooled with your Premier or Prestige to unlock airline and hotel program transfers. We calculate that you can get an average of 1.6 cents per point when redeeming this way. If you have any other Citi ThankYou point cards and do not have a Premier or Prestige, then your ThankYou points are worth 1 cent each.

APR: 0% Intro APR (on balance transfers for 18 months, 19.24%-29.24% thereafter)
Balance
transfer fees:
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).
Author: Dave Grossman
Total Rating:
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Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Last Updated: November 30, 2023
Intro bonus:
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Annual Fee:
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Benefits:
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Multipliers:
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View Table Image
Annual fee
$0
Point value
$0.01
Best Multiplier
5x Amazon / Whole Foods
5x Airfare
+ 6 more
View Table Image
Annual fee
$395
Point value
$0.016
Best Multiplier
10x Car Rentals
10x Hotels
+ 2 more
View Table Image
Annual fee
$150
Point value
$0.005
Best Multiplier
12x Hotels
6x Gas Stations
+ 4 more
View Table Image
Annual fee
$95
Point value
$0.005
Best Multiplier
12x Hotels
6x Airfare
+ 6 more
View Table Image

Citi® Diamond Preferred® Credit Card

Annual fee
$0
Point value
$0.01
Best Multiplier
0x Everything Else
View Table Image
Annual fee
$0
Point value
$0.012
Best Multiplier
2x Airfare
2x Transit
+ 4 more
View Table Image
Annual fee
$250
Point value
$0.017
Best Multiplier
4x Groceries
4x Dining Out / Food Delivery
+ 2 more
View Table Image
Annual fee
$250
Point value
$0.01
Best Multiplier
1.5x Everything Else
View Table Image
Annual fee
$0
Point value
$0.01
Best Multiplier
6x Groceries
6x Streaming Services
+ 3 more
View Table Image

Citi Custom Cashâ„  Card

Annual fee
$0
Point value
$0.01 -
$0.016
Best Multiplier
5x Airfare
5x Transit
+ 10 more

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