Best Citi rewards credit cards

young child pushing a shopping cart

Citi offers both Mastercard and Visa products with a wide variety of options, some offering rewards and some not, some for those with established credit and some for those just starting out or trying to rebuild their credit.

If you are looking for the best Citi Rewards credit card, but don’t know where to start, you should begin here. Citi has several cards that offer cash rewards, points or miles, and most have the ability to earn double rewards when purchasing from certain categories of merchants. If you like to travel and want to earn travel perks, there are Citi credit cards that offer miles that can be exchanged for flights or in-flight purchases.

Citi Rewards Card

Citi Rewards+SM Card

The elevator pitch

The Citi Rewards+SM Card offers a great way to earn lots of Thank You points that can then be used for shopping at Amazon, Best Buy, ThankYou.com or for purchasing gift cards. You also get points back for redeeming points. There is no annual fee, and you can earn 15,000 bonus points after spending $1,000 in purchases within three months of account opening.

Sweeteners

  • There’s a 0% introductory APR on purchases for 15 months and a 0% introductory APR on balance transfers for 15 months.
  • Earn 2x points on groceries and gas purchases.
  • Points earned are rounded up to the nearest ten on each purchase – a $2 purchase earns ten points.
  • APR for purchases and balance transfers is 15.49% – 25.49%, depending on credit history.
citi credit card

Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard

The elevator pitch

If you like to travel, the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard may be the card for you. You can earn bonus miles during the first three months you have the account, and 2x miles for certain purchases. It also offers several travel bonuses, including $125 off American Airlines tickets, a free checked bag and no foreign transaction charges.

Sweeteners

  • Earn 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 within the first three months.
  • Earn 2x miles for purchases at gas stations, restaurants and American Airlines.
  • The $99 annual fee is waived for the first year.
  • There’s a 17.99% – 25.99% variable APR for purchases, depending on credit history.
citi rewards student card

Citi Rewards+SM Student Card

The elevator pitch

The Citi Rewards+SM Student Card offers students a great way to start building credit and earn lots of Thank You points that can be used for shopping on Amazon, Best Buy, concerts, travel or purchasing gift cards. There is no annual fee, and you can earn 2,500 bonus points after spending $500 in purchases.

Sweeteners

  • There’s a 0% introductory APR on purchases for seven months.
  • Earn 2x points on groceries and gas station purchases.
  • Points earned are rounded up to the nearest ten on each purchase – a $2 purchase earns ten points.
  • Earn 2,500 bonus points after spending $500 in purchases in the first three months account is open.
  • Variable APR for purchases and balance transfers is 16.49% – 26.49%, depending on credit history.
citi double cash

Citi® Double Cash Card

The elevator pitch

If you are more interested in getting cash back for using your card, the Citi® Double Cash Card could be the one for you. You can earn up to 2% in cash rewards – 1% when you make a purchase, and 1% as you pay the balance back. Cash rewards can be used as a credit against your account or you can request a check. With this card you earn rewards on every purchase, and there are no special merchant categories to track.

Sweeteners

  • Earn 2% cash back on every purchase, unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, you need to pay at least the minimum due on time.
  • No categories to track, no caps on cash back and no annual fee.
  • There’s a 0% introductory APR on balance transfers for 18 months.
  • APR for purchases and balance transfers is 15.99% to 25.99%, depending on credit history.
citi simplicity

Citi Simplicity® Card

The elevator pitch

If rewards aren’t your thing and you just want a simple card with simple terms, the Citi Simplicity® Card will be for you. No points or miles to worry about, just a low introductory APR, no annual fee and no penalty fees for late payments.

Sweeteners

  • There’s a 0% introductory APR on balance transfers for 21 months. All transfers must be completed in the first four months of account opening.
  • There’s a 0% introductory APR on purchases for 12 months from the date of account opening.
  • No annual fee, no late fees and no penalty rates.
  • There’s a 16.74% – 26.74% APR on purchases and balance transfers, depending on credit history.
citi business card

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

The elevator pitch

The CitiBusiness® / AAdvantage® Platinum Select® World Mastercard® is designed for those who travel for business and/or want to earn miles for their business purchases. Travel benefits include first checked bag free, 25% off in-flight wi-fi on American Airlines flights, preferred boarding and the ability to earn an American Airlines Companion Certificate. The $99 annual fee is waived for the first year, and bonus miles are given for American Airlines purchases and select business purchases.

Sweeteners

  • Earn 60,000 American Airlines AAdvantage® bonus miles after spending $3,000 in purchases within the first three months of account opening.
  • No foreign transaction fees on purchases.
  • Earn 2x miles for American Airlines purchases and purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations.
  • Purchase APR is 17.74% – 25.74%, depending on credit history.
citi secured mastercard

Citi® Secured Mastercard®

The elevator pitch

If you don’t have credit or need to rebuild your credit, the Citi® Secured Mastercard® can help you. In order to get this card, you must provide a security deposit that is the same amount as your credit limit. That money stays in a secured account for 18 months, so if you default on the balance or don’t renew the card, the balance can be paid from the funds in that account.

Sweeteners

  • Security deposit required ($200 to $2,500 depending on credit limit).
  • No annual fee.
  • Help to rebuild or establish credit. Need to meet strict requirements for income and debt, and have no bankruptcies in the last two years.
  • There’s a 24.49% variable APR on purchases.