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13+ Best Citibank Credit Cards for a Life of Luxury!

Published On January 5, 2024

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Citibank offers diverse credit card options for various lifestyles and spending preferences, including cash back, travel, and fuel rewards.

Choosing the right one might be confusing, so we have outlined the best Citi Credit Cards, making your decision easier based on features and benefits. Find the perfect card for your needs as I share my firsthand experience, highlighting the fantastic rewards, useful perks, and user-friendly features that make the Chase credit card a perfect card for you.

Give this article a read and don’t forget to share your favorite Chase credit card feature in the comment section below!

About Citibank Credit Cards

Citi credit cards are known for easy cash back, unique rewards, and extended balance transfer periods. The Citi Double Cash® Card, launched in 2014, set the trend for straightforward cash-back cards with a great rewards rate on all purchases. Even six years later, it’s still one of the best cash-back cards.

Some Citi cards offer long balance transfer periods that let you pay off debt without interest for up to 15, 18, or 21 months. Citi also issues the Costco Anywhere Visa® Card by Citi, Costco’s signature card.

While a few Citi cards have annual fees ranging from $95 to $495, most have none. They also come with money-saving benefits like no late fees, a one-time late fee waiver, and $0 liability on unauthorized charges.

Top Must Have Citibank Credit Cards

The different types of Citi credit cards are listed below:-

Citi Rewards+® Card- No-annual-fee card

The Citi Rewards+® Card stands out among no-annual-fee cards with its unique perks. It automatically gives you 10 points for every purchase, no matter how small. Plus, you get 10% points back on your first 100,000 ThankYou® Points redeemed each year.

Users can earn double points at supermarkets and gas stations (up to $6,000/year) and 1X on everything else. They can enjoy a 0% intro APR for 15 months on purchases and balance transfers, with a 3% intro balance transfer fee.

After that, the variable APR is 18.74% – 28.74% which is ideal for those who love earning rewards on everyday buys without an annual fee.

Features

  • The features of the Citi Rewards+® credit card are listed below:-
  • Round-Up Rewards: Get 10 points on every purchase, big or small.
  • Points Back Bonus: Users can enjoy a 10% bonus on the first 100,000 points redeemed yearly.
  • Double Points at Groceries & Gas: Users can earn 2X points on supermarket and gas station buys (up to $6,000/year).
  • Intro APR Benefits: Users can get 0% intro APR for 15 months on purchases and balance transfers.

Citibank Double Cash® Card- Cash-back card

The Citi Double Cash® Card is a great no-annual-fee cash-back card where users get 2% cash back – 1% when they make a purchase and an extra 1% when they pay their bill. It is perfect if you want easy rewards without dealing with bonus categories.

Additionally, users can enjoy a long 18-month 0% APR on balance transfers (after 19.24% – 29.24% variable APR). Just be aware, that there’s a 3% intro fee (min $5) for transfers in the first four months, and 5% after (min $5).

Features

The features of the Citi Double Cash® credit card are listed below:-

  • Double Cash Back: Earn 2% on all purchases – 1% when you buy and another 1% when you pay your bill.
  • Easy Rewards: There is no hassle with bonus categories, just a straightforward cash-back process.
  • Long 0% APR: Users can get 18 months with 0% APR on balance transfers (after 19.24% – 29.24% variable APR).
  • No Annual Fee: Users can enjoy cashback without any yearly charges.

Citi Premier® Card- Travel card

The Citibank Premier® Card is ideal for frequent travelers and offers 3X points on hotels, air travel, gas stations, restaurants, and supermarkets.

Additionally, every year, users can enjoy a $100 discount on a $500+ hotel stay. The $95 annual fee is reasonable as compared to other travel cards, and there is no extra charge for using it abroad. It’s a smart choice for savvy travelers!

Features

The features of the Citi Premier® credit card are listed below:-

  • Earn Big: Get 3X points on travel, dining, and groceries.
  • Annual Hotel Savings: Enjoy a yearly $100 discount on hotel stays of $500 or more.
  • Affordable Annual Fee: With a $95 annual fee, it’s budget-friendly compared to other travel cards.
  • No Foreign Transaction Fees: Use it anywhere with zero foreign transaction fees.

Citi Costco Anywhere Visa® Card- Best Costco card

 The Costco Anywhere Visa® Card by Citi is a top choice for Costco shoppers that offers 4% cash back on gas and EV charging (up to $7,000 per year), 3% on dining and travel, 2% on Costco purchases, and 1% on everything else. There is no annual fee and it’s a great way to earn rewards.

However, keep in mind that points are redeemed annually in the form of a certificate, valid only at U.S. Costco Warehouses, limiting flexibility.

Features

The features of the Costco Anywhere Visa® credit card are listed below:-

  • Earn Big Rewards: Get 4% on gas, 3% on dining and travel, 2% at Costco, and 1% on everything else.
  • No Yearly Fee: There is no extra cost to enjoy the perks.
  • Costco Membership Needed: Users need a Costco membership, which is essential for shopping at Costco anyway.
  • Yearly Cash Back Bonus: Get your rewards yearly with a special certificate, just at U.S. Costco stores.

Citi® Diamond Preferred® Card

 Citi® Diamond Preferred® Card is a perfect card that comes with multiple benefits. There is no annual fee, so you save money from the start.

Additionally, users can enjoy a super long 0% intro rate on both balance transfers and purchases. Users get access to cool stuff with Citi Entertainment®. In short, the Citi® Diamond Preferred® Card is not just a card, it’s your easy way to keep things simple, and save money! Let’s make handling money and enjoying life super easy!

Features

 The features of the Citi® Diamond Preferred® credit card are listed below:-

  • No Yearly Fee: There are no extra costs yearly for the card.
  • Super Long 0% Intro Rate: There is no interest on transfers and purchases for a long time.
  • Cool Experiences with Citi Entertainment®: Get access to exclusive events with Citi® Diamond Preferred® card!
  • Easy and Money-Saving: It’s not just a card, it’s an easy way to save money and have fun!

Citi® / AAdvantage® Executive World Elite Mastercard®

Citi® / AAdvantage® Executive World Elite Mastercard®comes with multiple benefits where users can earn 70,000 bonus miles after spending $7,000 in the first 3 months.

Moreover, they can enjoy Admirals Club membership with perks including priority check-in, early boarding, and World Elite Mastercard perks like hotel upgrades, early check-in, late checkout, and daily breakfast for two. 

Features

 The features of the Citi® / AAdvantage® Executive World Elite Mastercard  credit cards are listed below:-

  • Sign-up Bonus: Users can earn 70,000 American Airlines AAdvantage® miles by spending $7,000 in the first 3 months.
  • Admirals Club Membership: Users can enjoy lounge access for you and two guests or family members at nearly 50 locations worldwide. 

Citi Custom Cash® Card

Citi Custom Cash® Card provides 5% cash back on your top spending category each month, and up to $500, with categories including dining, gas, groceries, and more. There is no need to sign up for rotating bonuses! Additionally, users can get a $200 bonus after spending $1500 in the first 6 months. There’s no annual fee, 0% APR for 15 months, and benefits like fraud monitoring and free FICO score access. 

Features

The features of the Citi Custom Cash® credit cards are listed below:-

  • 5% Cash Back: Users can earn 5% cash back on your top monthly spending category, up to $500.
  • $200 Bonus: Get a $200 bonus after spending $1500 in the first 6 months.
  • No Annual Fee & 0% APR: Enjoy no annual fee, and a 0% APR for 15 months on purchases, with benefits like fraud monitoring and free FICO score access.

American Airlines AAdvantage® MileUp®

American Airlines AAdvantage® MileUp® card is a Citi credit card where users can score 10,000 bonus miles and a $50 statement credit after spending $500 in the first 3 months. Users can also earn 2 miles for every dollar on American Airlines and grocery store purchases, including grocery delivery, and 1 mile per dollar on everything else.

Features

The features of the American Airlines AAdvantage® MileUp® credit card are listed below:-

  • Big Bonus: Users can get 10,000 bonus miles and $50 statement credit by spending $500 in the first 3 months.
  • Travel Perks: Users can save 25% on in-flight food and drinks with their card on American Airlines flights.

Citi Simplicity® Card

With the Citi Simplicity® Card users can enjoy 0% APR for 12 months on purchases and 21 months on balance transfers from the first transfer. After that, the APR is 19.24% to 29.99% (variable). There is no annual fee, no late fees, and no penalty rate. Users can transfer balances within 4 months of opening. Additional benefits include free FICO® Score access and identity theft support.

Features

The features of the Citi Simplicity® Card

  • Zero Fees: There is no annual fee, no late fees, and no penalty rate.
  • Long Intro APR: Users can enjoy 0% APR for 12 months on purchases and 21 months on balance transfers.
  • Financial Tools: Users can access their FICO® Score for free and get identity theft support.

Citi® Secured Mastercard®

The Citi® Secured Mastercard® is ideal for credit beginners. It helps build a credit history with no annual fee. Users enjoy a free monthly FICO credit score. Building credit is easy by paying bills on time and keeping a low balance. After approval, deposit $200 to $2,500 within 14 days. In 18 months, Citi reviews your account for a potential deposit return. It’s an easy way to start and grow your credit. 

Features

The features of the Citi® Secured Mastercard®

  • Credit Building: This credit card is perfect for beginners, and helps build credit history.
  • No Annual Fee: Users can enjoy the benefits with no yearly charges.
  • Free FICO Score: Get a free monthly FICO credit score for easy monitoring.

How To Get The Best Citi Credit Card?

   Choosing the right Citi credit card doesn’t have to be confusing. Here’s a quick guide:

Know the Differences between cards: Not all cards are the same. Some give rewards, some offer balance transfer deals, and not all have the same protections.

Match with Spending Power: Look at your spending habits and budget. Choose a card that aligns with how you spend money.

Think Ahead: Consider your future plans. If you travel more, get a card with travel rewards. Life changes like marriage or buying a home can impact your finances, so plan accordingly.

Research and Decide: By researching and thinking about these factors, you’ll find a Citibank credit card that suits your needs and helps you reach your financial goals.

How to Apply For a Citibank Credit Card?

The steps to apply for a Citi Credit Card are listed below:-

Choose a Card: Visit Citi India’s website, and pick a credit card that suits your lifestyle.

Citibank Credit Card login

Fill Online Form: Complete the online application with your basic details and submit it.

Alternate Methods(Offline): Apply over the phone at 1-800-347-4934 or download the form from the official website or visit a Citibank branch.

Check Eligibility: Make sure you’re at least 18 years old to qualify for the eligibility criteria.

Address Proof: Have a valid address proof ready, because it is a must for the application process.

Wait for Approval: After submission, patiently wait for the approval. You can also track your application status through official channels.

Documents Required to Purchase a Citibank Credit Card

The list of documents required to purchase a Citi credit card are listed below:-

Identity Proof (Choose One):

  • Voter ID
  • Driving License
  • Aadhaar Card
  • Passport
  • Ration Card
  • Proof of Income
  • Passport Size Photograph

Address Proof (Choose One):

  • PAN Card
  • Utility Bill (Electricity, Water, Gas)
  • Rental Agreement

Conclusion            

In a nutshell, Citi Credit Card has a range of options, covering travel, shopping, fuel, and choices for lower credit scores. To find your perfect match, focus on your preferences, work on building a good credit score, think about the rewards you desire, and explore cards within your eligibility. It’s all about what suits you best, so take your time, make informed decisions, and enjoy the benefits personalized to your lifestyle.

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FAQs of Citibank Credit Cards

Well, the Citi Double Cash Card usually starts with a minimum limit of $500, but some people say they’ve scored limits as big as $50,000. Citibank doesn’t officially say the absolute max, but having a good credit score and a decent income should boost your chances of getting a higher limit.

Yes, getting the Citi Diamond Preferred Card can be a challenge because you need a good credit score of at least 700. They also look at how you’ve paid your bills, how much credit you’re using, and your yearly income to decide if you can get the card.

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