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Citi is an Insider promoting associate.One of the best Citi bank cards of November 2021The finest credit score card for you won’t be a great match for others, and a few shoppers are higher off pursuing affords with a particular bank card issuer. Citi tends to work effectively for sure sorts of spenders, together with individuals who need to earn a excessive charge of money again and those that just like the redemption choices within the Citi ThankYou Rewards program.Learn extra: How you can earn, redeem, and maximize Citi ThankYou pointsCiti additionally boasts a bank card with one of many longest intro APR affords obtainable in the present day, making Citi a well-liked card issuer for debt consolidation and stability transfers.
For those who’re searching for a brand new bank card and you are a Citi buyer already or need to develop into one, you need to know in regards to the high bank cards Citi affords. Listed below are our picks for 2021.We’re targeted right here on the rewards and perks that include every card. These playing cards will not be price it when you’re paying curiosity or late charges. When utilizing a bank card, it is necessary to pay your stability in full every month, make funds on time, and solely spend what you’ll be able to afford to pay.
Common APR
15.99% – 23.99% Variable
Featured Reward
80,000 bonus ThankYou® Factors after you spend $4,000 in purchases inside the first 3 months of account opening
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Execs & Cons
Particulars
Execs
Robust sign-up bonus
Beneficiant bonus classes
Cons
Would not provide a lot in the best way of assertion credit or different perks
Citi ThankYou Rewards will not be as handy as different factors for US-based vacationers
Earn 80,000 bonus ThankYou® Factors after you spend $4,000 in purchases inside the first 3 months of account opening
Earn 3 Factors per $1 spent at Eating places and Supermarkets
Earn 3 Factors per $1 spent at Gasoline Stations, Air Journey and Resorts
Earn 1 Level per $1 spent on all different purchases
Annual Lodge Financial savings Profit
80,000 Factors are redeemable for $800 in reward playing cards when redeemed at thankyou.com
No expiration and no restrict to the quantity of factors you’ll be able to earn with this card
No International Transaction Charges on purchases
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The Citi Premier® is our high Citi bank card for 2021 as a result of the rewards you earn are so versatile, but you do not have to pay an expensive annual charge. With an annual value of simply $95 per 12 months, this card is providing a record-high bonus of 80,000 bonus ThankYou® Factors after you spend $4,000 in purchases inside the first 3 months of account opening.You additionally earn 3x factors at eating places, fuel stations, supermarkets, air journey, and resorts — which makes the cardboard price contemplating for on a regular basis bills, in addition to for journey down the street.Learn extra: Citi Premier bank card reviewThe Citi Premier® would not have any overseas transaction charges, and you should utilize your rewards for reward playing cards, assertion credit, journey via the Citi portal, transfers to Citi’s airline and resort companions, and even towards scholar loans and mortgages. You too can store with factors on Amazon.com or BestBuy.com. Most redemption choices are for 1 cent per level, however it’s possible you’ll get extra worth if you switch your rewards to loyalty program companions. For a restricted time, Citi has added American Airways as a switch associate — which makes incomes Citi ThankYou factors much more profitable. When you’ve got the Citi Premier® or Citi Status® Card
(now not open to functions), the switch ratio is 1:1, however this feature is just obtainable till November 13, 2021.Citi additionally lately added Alternative Resorts as a associate — the primary resort switch associate since Hilton left the ThankYou Rewards program in 2017.Citi ThankYou factors are price, on common, 1.6 cents every based on Insider’s factors and miles valuations.
Common APR
13.99% – 23.99% Variable
2% money again on all purchases
Intro APR
0% intro APR on stability transfers for 18 months
Steadiness Switch Payment
Both $5 or 5% of the quantity of every switch, whichever is bigger. Intro stability switch charge inside the first 4 months of account opening of both $5 or 3% of the quantity of every switch, whichever is bigger.
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Execs & Cons
Particulars
Execs
No annual charge
Easy incomes construction with out complicated bonus classes
Cons
Some playing cards earn larger charges of money again on rotating classes
No sign-up bonus
If you haven’t any account exercise for 12 months, unredeemed rewards can expire
Whereas it affords a 0% introductory APR for 18 months, that is solely on stability transfers, not purchases, so you’ll be able to’t use it to fund a significant expense with out curiosity. After these 18 months, it is a 13.99% – 23.99% (Variable) APR.
Earn 2% on each buy with limitless 1% money again if you purchase, plus an extra 1% as you pay for these purchases.
To earn money again, pay at the least the minimal due on time.
Steadiness Switch Solely Provide: 0% intro APR on Steadiness Transfers for 18 months. After that, the variable APR might be 13.99% – 23.99%, primarily based in your creditworthiness.
Steadiness Transfers don’t earn money again. Intro APR doesn’t apply to purchases.
For those who switch a stability, curiosity might be charged in your purchases until you pay your complete stability (together with stability transfers) by the due date every month.
There’s an intro stability switch charge of three% of every switch (minimal $5) accomplished inside the first 4 months of account opening. After that, your charge might be 5% of every switch (minimal $5).
The usual variable APR for Citi Flex Plan is 13.99% – 23.99% primarily based in your creditworthiness. Citi Flex Plan affords are made obtainable at Citi’s discretion.
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The Citi® Double Money Card permits cardholders to earn 2% money again on every thing they spend — 1% once they make a purchase order and one other 1% once they pay it off. This card would not cost an annual charge, and you’ll select from redemption choices like a test within the mail or a press release credit score in your bank card account.Learn extra: Citi Double Money bank card reviewYou may also convert the money again you earn from the Citi® Double Money Card into Citi ThankYou factors and unlock many of the redemption choices obtainable on different Citi ThankYou playing cards. To switch to Citi’s full listing of airline companions, you will additionally want a Citi Premier® Card or Citi Status® Card (now not open to functions).This card additionally has a beneficiant introductory 0% APR provide, which helps you to pay 0% curiosity on stability transfers for 18 months, adopted by an APR of 13.99% – 23.99% Variable. That makes the Citi® Double Money Card a great possibility for debt consolidation, though you solely earn rewards on purchases, and never on balances you switch from different bank cards. Learn Insider’s information to one of the best cash-back bank cards for extra choices to earn rewards in your on a regular basis spending.
Common APR
13.99% – 23.99% Variable
Featured Reward
$200 in money again, fulfilled as 20,000 ThankYou® Factors, after you spend $750 on purchases within the first 3 months of account opening
Intro APR
0% intro APR for 15 months
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Execs & Cons
Particulars
Execs
Flexibility to customise rewards by incomes 5x factors on as much as $500 per billing cycle in your high spending class (from a listing)
Beneficiant welcome provide for a no-annual-fee card
No rotating bonus classes to enroll in or observe
Earn worthwhile Citi ThankYou factors which you’ll redeem for money again, journey, reward playing cards, merchandise, and extra
Cons
Solely earns 1% again exterior of $500 in high spending class every billing cycle
International transaction charge of three%
Earn $200 in money again after you spend $750 on purchases within the first 3 months of account opening. This bonus provide might be fulfilled as 20,000 ThankYou® Factors, which might be redeemed for $200 money again.
0% Intro APR on stability transfers and purchases for 15 months. After that, the variable APR might be 13.99% – 23.99%, primarily based in your creditworthiness.
Earn 5% money again on purchases in your high eligible spend class every billing cycle, as much as the primary $500 spent, 1% money again thereafter. Additionally, earn limitless 1% money again on all different purchases.
No rotating bonus classes to enroll in – as your spending modifications every billing cycle, your earn adjusts mechanically if you spend in any of the eligible classes.
No Annual Payment
Citi will solely difficulty one Citi Customized Money℠ Card account per individual.
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The brand new Citi Customized Money℠ Card is a good selection in case your spending habits have a tendency to alter from month to month. Cardholders earn 5% money again on as much as $500 in purchases within the eligible class they spend essentially the most in every billing cycle (then 1%), and 1% on all different purchases.The qualifying classes embody on a regular basis bills that ought to enchantment to most folk: eating places, fuel stations, grocery shops, choose journey, choose transit, choose streaming providers, drugstores, house enchancment shops, health golf equipment, and stay leisure.Learn extra: Citi Customized Money bank card reviewAlthough it is marketed as a cash-back card, the Citi Customized Money℠ Card truly earns rewards within the type of Citi ThankYou factors, that are price 1 cent apiece for money again, journey booked via Citi, reward playing cards, merchandise, and extra. And once more, if in case you have the Citi Premier® Card or Citi Status® Card (now not obtainable to new candidates), you’ll be able to pool your rewards and switch factors to airline companions.The Citi Customized Money℠ Card is one-third of the Citi Trifecta — a trio of Citi playing cards that may supercharge your ThankYou Rewards stability by incomes wherever from 2x to 5x rewards on each single buy.Finest with an introductory 0% APR on purchases and stability transfers: Citi® Diamond Most well-liked® Card
Common APR
13.74% – 23.74% Variable
Intro APR
0% intro APR on stability transfers for 21 months and on purchases for 12 months from account opening
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Execs & Cons
Particulars
Execs
Very lengthy intro APR interval for stability transfers
No annual charge
Cons
Fees a stability switch charge
No rewards (however that’s not the purpose of this card)
0% Intro APR for 21 months on stability transfers from date of first switch and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR might be 13.74% – 23.74%, primarily based in your creditworthiness. Steadiness transfers should be accomplished inside 4 months of account opening.
There’s a stability switch charge of both $5 or 5% of the quantity of every switch, whichever is bigger
Get free entry to your FICO® Rating on-line.
With Citi Leisure®, get particular entry to buy tickets to 1000’s of occasions, together with concert events, sporting occasions, eating experiences and extra.
Store with confidence understanding that you’ve reliable safety advantages, together with $0 Legal responsibility on Unauthorized Purchases and Citi® Identification Theft Options.
The usual variable APR for Citi Flex Plan is 13.74% – 23.74%, primarily based in your creditworthiness. Citi Flex Plan affords are made obtainable at Citi’s discretion.
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The Citi® Diamond Most well-liked® Card affords an introductory 0% APR for 21 months from the date of first switch on stability transfers and 12 months from account opening on purchases (then a 13.74% – 23.74% Variable) — one of many longest of any card in the marketplace proper now (stability transfers should be accomplished inside 4 months of account opening).Learn extra: Citi Diamond Most well-liked card reviewThere’s no annual charge, however you will pay a 5% stability switch charge (minimal $5). Whereas the cardboard would not earn rewards, it affords a wonderful alternative to repay debt with none curiosity. Throughout this time, each cent you pay in your invoice will go straight towards the principal of your stability, which can expedite the method of paying down your debt. A 0% APR provide is an efficient technique to save on curiosity, however make certain you’ve got the means and a plan to repay your stability earlier than the introductory interval expires. Here is our information to deciding when you ought to reap the benefits of a 0% APR bank card provide.
Annual Payment
$99, waived for first 12 months
Common APR
15.99% – 24.99% variable
Featured Reward
50,000 American Airways AAdvantage® bonus miles after spending $2,500 in purchases inside the first 3 months of account opening
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Execs & Cons
Particulars
Execs
Bonus classes enable you to earn miles on on a regular basis purchases
Payment checked bag on home American Airways flights
Cons
$125 American Airways flight low cost is good, however it’s essential to spend $20,000 in a cardmember 12 months to earn it
Earn 50,000 American Airways AAdvantage® bonus miles after $2,500 in purchases inside the first 3 months of account opening
Earn 2 AAdvantage® miles for each $1 spent at fuel stations and eating places
Earn 2 AAdvantage® miles for each $1 spent on eligible American Airways purchases
Earn a $125 American Airways Flight Low cost after you spend $20,000 or extra in purchases throughout your cardmembership 12 months and renew your card
No International Transaction Charges
First checked bag is free on home American Airways itineraries for you and as much as 4 companions touring with you on the identical reservation
Get pleasure from most popular boarding on American Airways flights
The usual variable APR for Citi Flex Plan is 15.99% – 24.99%, primarily based in your creditworthiness. Citi Flex Plan affords are made obtainable at Citi’s discretion.
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The Citi® / AAdvantage® Platinum Choose® World Elite Mastercard® is a winner for frequent flyers who wish to fly with American Airways and companions like British Airways, Finnair, and Cathay Pacific. Not solely are you able to earn an preliminary bonus of fifty,000 American Airways AAdvantage® bonus miles after spending $2,500 in purchases inside the first 3 months of account opening, however you will earn 2x miles on eligible American purchases, restaurant, and fuel station spending, and 1 mile per greenback for all different purchases you make.Learn extra: Citi AAdvantage Platinum Choose bank card reviewCardholder advantages embody most popular boarding, 25% off inflight meals and beverage purchases if you pay along with your bank card, and a free checked bag for you and as much as 4 companions on home itineraries if you fly American. This card comes with an annual charge of $99, waived for first 12 months.
Common APR
15.24% (Variable)
Execs & Cons
Particulars
Execs
Beneficiant cash-back classes, particularly for fuel purchases
No overseas transaction charge
Cons
You’ll be able to solely obtain rewards as soon as per 12 months
You must go to a Costco location to redeem rewards for money again as a substitute of merchandise
Uncover one in every of Citi’s finest money again rewards playing cards designed completely for Costco members
4% money again on eligible fuel for the primary $7,000 per 12 months after which 1% thereafter
3% money again on eating places and eligible journey purchases
2% money again on all different purchases from Costco and Costco.com
1% money again on all different purchases
No annual charge along with your paid Costco membership and luxuriate in no overseas transaction charges on purchases
Obtain an annual bank card reward certificates, which is redeemable for money or merchandise at U.S. Costco warehouses, together with Puerto Rico
The usual variable APR for Citi Flex Plan is 15.24%. Citi Flex Plan affords are made obtainable at Citi’s discretion.
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The Costco Anyplace Visa® Card by Citi may very well be an important selection when you’re a Costco member and you want incomes money again good for extra Costco purchases. This card earns 4% again on eligible fuel purchases on as much as $7,000 in spending every year (then 1%), however you will additionally earn 3% again on eating and eligible journey. Along with 1% again on common purchases, you will additionally earn 2% again if you store within the retailer at Costco or make purchases on Costco.com.Learn extra: Citi Costco Anyplace Visa bank card reviewThis card permits you to money in your rewards after your February assertion credit score every year, and there is no annual charge with a paid Costco membership. You additionally will not pay any overseas transaction charges. Do not forget about Citi’s sign-up bonus rulesBefore you apply for a Citi bank card, it will probably assist to grasp the financial institution’s utility guidelines. Relying on the cardboard, you won’t be eligible when you’ve earned a sign-up bonus, or closed a selected card or one inside the identical “rewards household” inside the previous 24 to 48 months.The 24-month timeframe applies to Citi ThankYou Rewards playing cards just like the Citi Premier®, whereas the 48-month language applies to American Airways bank cards just like the Citi® / AAdvantage® Platinum Choose® World Elite Mastercard®.Learn extra: 6 steps you’ll be able to take to spice up your probabilities of being accepted for a bank card proper nowWith this in thoughts, you will need to be sure to know if you final closed a Citi bank card earlier than you apply. For those who enroll too early, you will not obtain the bonus on these playing cards — even when you’re accepted and also you meet the minimal spending requirement. Different Citi credit score cardsCiti has another nice bank cards that missed the minimize for our listing, however relying in your wants and spending habits, they may very well be an important match for you.
Featured bank cards from our companions
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Featured Reward
125,000 bonus factors and 1 free evening award (worth as much as 50,000 factors) after spending $5,000 on purchases within the first 3 months from account opening
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Featured Reward
$200 after spending $500 on purchases within the first three months from account opening
Holly Johnson
Freelance Author
Extra Credit score Card Protection
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