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Citibank Credit Cards

The “best” credit card is not the same for everyone. You need perks that are meaningful to the way that you live. The most popular cards offer big sign-up bonuses ($500 or more) and/or great rewards for spending, particularly in high-volume categories, like travel or dining. But your needs may differ: Some cards offer zero interest or no annual fees, while others get you benefits like airline lounge access or primary rental insurance.

If you are looking for a Citibank (Citi) brand credit card, you’ve come to the right place. You can view all welcome bonus offers below and see how to apply as well. If you have any questions, just drop us a line using the Live Chat at the bottom of your screen.

The cards below are listed in the order of their total welcome bonus offer values.

Advertiser Disclosure: Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Commissions do not affect or prioritize placement within our results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

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12 Cards Available:

Credit card

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

dollar Annual Fee: $0 Introductory Annual Fee for the first year, then $99

Estimated Bonus Value :

$975

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dollar Annual Fee: $99

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Estimated Bonus Value :

$975

Offer: 65,000 bonus AAdvantage® miles after spending $4,000 in your first 4 months

Review: Get a free checked bag and preferred boarding on American Airlines. The free checked bag is valid for for you and up to 4 travel companions. Earn a $99 companion certificate for domestic main cabin travel.

Earn AAdvantage miles at the rate of 2x for American Airlines, telecommunications merchants, cable and satellite providers, car rental merchants, and gas stations, plus 1x for everything else.

Earn 1 Loyalty Point for every 1 eligible AAdvantage(R) mile earned from purchases

NOTE: Our estimated rewards values assume all of your airline spend is with AA for the purposes of valuing your rewards for this card. If you spend across multiple airlines, your rewards will be lower as this card earns 2x on AA purchases only.

Offer: 65,000 bonus AAdvantage® miles after spending $4,000 in your first 4 months
Credit card

Citi Premier® Credit Card

dollar Annual Fee: $95

Estimated Bonus Value :

$960

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dollar Annual Fee: $95

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Estimated Bonus Value :

$960

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.

The Citi Premier® Credit Card is an excellent general travel, dining, and grocery card with a low annual fee.

Citi ThankYou cards are great because they have a range of interesting and advanced airline partners that you can transfer your points to, including Avianca, Turkish, and Cathay Pacific.

There are frequent transfer bonuses as well. If you are looking to get started collecting ThankYou points, this is the best starter card for the program.

How Does the Citi Premier Earn Citi ThankYou Points?

  • 3X Points at Dining
  • 3X Points at Grocery Stores / Supermarkets
  • 3X Points on Gas
  • 3X Points on Flights and Hotels
  • 1X Points on All Other Purchases

Other ThankYou Premier Card benefits

  • The annual hotel savings benefit will give you $100 off a $500 prepaid hotel booking in the ThankYou travel portal.
  • No foreign transaction fees

Thank You points can be transferred to a variety of airline frequent flyer programs, such as Avianca, Etihad, Turkish and Cathay Pacific.

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.
Credit card

Citi® / AAdvantage® Platinum Select® World Elite MasterCard

dollar Annual Fee: $0 Introductory Annual Fee for the first year, then $99

Estimated Bonus Value :

$750

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dollar Annual Fee: $99

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Estimated Bonus Value :

$750

Offer: Earn 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first 3 months of account opening.

Review: Get a free checked bag and preferred boarding on American Airlines.

Earn 2x AAdvantage miles at gas stations and restaurants, as well as on American Airlines. Also, earn a $100 flight discount after spending $20,000 and renewing your card.

Earn 1 Loyalty Point for every 1 eligible AAdvantage(R) mile earned from purchases

NOTE: In calculating your potential rewards for this card, we are assuming that all spend entered as "Airline" is on American Airlines. If some of your airline spend is on other airlines, that spend will earn 1x rather than 2x miles and reduce your expected rewards.

Offer: Earn 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first 3 months of account opening.
Credit card
Estimated Bonus Value :

$750

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dollar Annual Fee: $450

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Estimated Bonus Value :

$750

Offer: Earn 50,000 American Airlines AAdvantage(R) bonus miles after spending $5,000 in purchases within the first 3 months of account opening.

Review: Get full Admirals Club Membership for the primary cardholder, plus Admirals Club access for authorized users. Get a free checked bag for you and up to 8 companions on the same record, priority boarding, priority check-in, and priority screening (screening where available).

You'll also get access for two guests plus anyone in your family under the age of 18 as long as you have same-day boarding passes for American Airlines or any oneworld® airline.

And, your Admiral's Club membership additionally grants you the same access when flying oneworld airlines as follows:

  • Domestic and international Admirals Club locations
  • All Alaska Airlines Lounges (when departing or arriving on flights marketed and operated by American or Alaska Airlines)
  • All Qantas Clubs (when departing or arriving on same-day flights operated by Qantas, or operated by American out of Auckland, New Zealand or Sydney, Australia)
  • Select partner lounges operated by third parties (on same-day flights operated by American)

Note that your authorized users get entry only at AA Admiral's Club lounges, but do get guest privileges for immediate family (spouse, domestic partner and/or children under 18) or up to 2 guests. Guests must be accompanied by the eligible authorized user and present boarding pass for same-day travel on American or a partner airline.

The Authorized User must present their credit card and be traveling on any departing or arriving flight that is marketed or operated by American, marketed and operated by any oneworld® airline, or marketed and operated by JetBlue (excluding JetBlue flights operating to and from Europe).

Earn American Airlines AAdvantage miles, and earn a bonus of 10,000 Loyalty Points (towards elite qualification) in any calendar year you spend $40,000 on the card.

Also, earn 1 Loyalty Point for every 1 eligible AAdvantage(R) mile earned from purchases.

NOTE: In calculating your potential rewards for this card, we are assuming that all spend entered as "Airline" is on American Airlines. If some of your airline spend is on other airlines, that spend will earn 1x rather than 2x miles and reduce your expected rewards.

Offer: Earn 50,000 American Airlines AAdvantage(R) bonus miles after spending $5,000 in purchases within the first 3 months of account opening.
Credit card

Citi Rewards+®

dollar Annual Fee: $0

Estimated Bonus Value :

$400

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dollar Annual Fee: $0

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Estimated Bonus Value :

$400

Offer: Earn 25,000 bonus points after you spend $1,500 in purchases with your card within 3 months. Plus, for a limited time, earn 5 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

o% APR Offer - Balance Transfers

0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. 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).

Earning ThankYou Points

Earn 2x at supermarkets and gas stations for the first $6,000 combined per year, and 1x everywhere else, before rounding up. Excellent for small purchases. Round up to the nearest 10 points on all purchases.

Note: Your earnings will be larger than those shown in our calculations because we cannot factor in the "round up" feature of this card as it correlates to each exact transaction you will make.

Offer: Earn 25,000 bonus points after you spend $1,500 in purchases with your card within 3 months. Plus, for a limited time, earn 5 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
Credit card

Citi Custom Cash℠ Card

dollar Annual Fee: $0

Estimated Bonus Value :

$320

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dollar Annual Fee: $0

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Estimated Bonus Value :

$320

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

The Citi Custom Cash℠ Card earns ThankYou points which are worth a penny per point (1% cash back) unless you also have a Citi Premier card or Prestige in your Citi portfolio.

Assuming you do, then these should combine to your overall ThankYou pool once linked.

You will earn 5% cash back (as ThankYou Points) on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, with 1% cash back thereafter. You do not have to select anything at any time. It's automatic.

The eligible spend categories are:

  • Restaurants
  • Gas Stations
  • Grocery Stores
  • Select Travel
  • Select Transit
  • Select Streaming Services
  • Drugstores
  • Home Improvement Stores
  • Fitness Clubs
  • Live Entertainment.

You'll earn an unlimited 1% cash back on all other purchases.

The 5X applies to your top category each month.

O% Intro APR Offer - New Purchases and Balance Transfers

0% Intro APR on balance transfers and purchases for 15 months.

After that, the variable APR will be 18.99% - 28.99%, based on your creditworthiness.

Please note: If you are finding this card in your results for our Rewards Optimization tool, due to system limitations the tool will calculate a maximum of $6,000 per year for your top categories at 5%, but it will not factor in exact monthly spend.

Offer: $200 in the form of 20,000 bonus ThankYou points when you spend $1,500 within 6 months
Credit card
Estimated Bonus Value :

$150

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dollar Annual Fee: $0

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Estimated Bonus Value :

$150

Offer: Earn 10,000 miles and a $50 statement credit when you spend $500 in your first 3 months.

This no-fee card earns 2x AAdvantage miles at grocery stores, as well as 2x on American Airlines.

Earn 1 Loyalty Point for every 1 eligible AAdvantage(R) mile earned from purchases.

NOTE: In calculating your potential rewards for this card, we are assuming that all spend entered as "Airline" is on American Airlines. If some of your airline spend is on other airlines, that spend will earn 1x rather than 2x miles and reduce your expected rewards.

Offer: Earn 10,000 miles and a $50 statement credit when you spend $500 in your first 3 months.
Credit card
Estimated Bonus Value :

$40

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dollar Annual Fee: $0

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Estimated Bonus Value :

$40

Offer: Get 2,500 Bonus ThankYou Points when you spend $500 within the first 3 months

This Student credit card earns 2x on supermarkets and gas, up to a combined $6,000 per year.

It earns 1x ThankYou Points on everything else and gives you the ability the ability to get 10% Points Back for the first 100,000 ThankYou points as you redeem them each year.

Offer: Get 2,500 Bonus ThankYou Points when you spend $500 within the first 3 months
Credit card
Estimated Bonus Value :

$0

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dollar Annual Fee: $0

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Estimated Bonus Value :

$0

Offer: This card does not have a bonus offer at this time.

Review: For Costco members seeking pure cash back, this credit card is hard to beat!

Costco Business credit card earn rate and benefits:

  • This Costco Business credit card earns 4% cash back at gas stations, both Costco and otherwise, for the first $7,000 per year.
  • Earn 3% cash back at restaurants and on travel.
  • Earn 2% cash back at Costco.
  • Get 1% cash back on everything else.
  • No foreign transaction fees.

The cashback will be awarded as an annual credit card reward certificate, redeemable for cash or merchandise at U.S. Costco warehouses, (including Puerto Rico). The certificate will be included in your February billing statement and expires on December 31st of the year issued.

** Requires a Costco membership **"

Offer: This card does not have a bonus offer at this time.
Credit card

Citi Double Cash® Card

dollar Annual Fee: $0

Estimated Bonus Value :

$0

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dollar Annual Fee: $0

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Estimated Bonus Value :

$0

Offer: None at this time

The Citi Double Cash® credit card is one of the "gold standards" in cash back cards.

This card earns a flat 2% cash back in a slightly different way.

You will earn 1% cash back twice: first when you make the charge, then when you pay. That's 2% total.

Cash back will be earned in the form of ThankYou Points, redeemable for cash or combinable with your other ThankYou points.

You can redeem your points directly for cash or you can convert Double Cash points to JetBlue. And if you have a Citi Premier or Citi Prestige, then you can also transfer them to Citi's participating travel loyalty programs at a 1:1 ratio, making this card worth a look for points and cash aficionados alike.

Balance Transfer Offer

0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.99% - 28.99%, based on your creditworthiness.

Offer: None at this time
Credit card
Estimated Bonus Value :

$0

Calculator

dollar Annual Fee: $0

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Estimated Bonus Value :

$0

Offer: None at this time

This Costco-branded card earns 2% cash back at Costco. It also earns an incredible 4% cash back at gas stations, including EV charging stations, both at Costco and otherwise, for the first $7,000 per year. Additionally, it earns 3% cash back at restaurants and on travel.

You must have a Costco membership to be eligible for this card.

Offer: None at this time
Credit card
Estimated Bonus Value :

$0

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dollar Annual Fee: $0

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Estimated Bonus Value :

$0

Offer: None at this time

The Citi Diamond Preferred credit card isn't about travel rewards. It's designed for those that want to take advantage of its 12 month long 0% intro APR and 21 month Balance Transfer offers.

Citi Diamond Preferred 0% APR Balance Transfer Offer:

0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening.

After that the variable APR will be 17.99% - 28.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.

Offer: None at this time

Don’t Miss Out On Limited time Offers

Credit card companies regularly offer limited time increased signup bonus offers on their credit cards. They also sometimes change card benefits or otherwise change up their card lineups.
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