Citi Credit Cards

As one of the world's largest credit card issuers, Citi®, our advertiser partner, offers a variety of benefits including flexible travel rewards, cash back on purchases, and perks for small businesses. Pair that with the protection of $0 fraud liability and Citi® Identity Theft Solutions, and you've got a full-service credit card with global brand recognition. Here are some featured cards from Credit Karma’s partner, Citi.

Available Credit Cards

Balance Transfer

Apply by phone: 1-888-245-9658
  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee… EVER
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% - 26.24%, based on your creditworthiness
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day – just say “representative”
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month
Purchase Intro APR:
0%*
(12 Months*)
Balance Transfer Intro APR:
0%*
(21 Months*)
Regular APR:
16.24% - 26.24%*
Variable
Annual Fee:
$0*
Min. Credit Needed:
Good

Secured

  • The Citi® Secured Mastercard® is a no annual fee credit card that helps you build your credit when used responsibly.
  • Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus. Once available, you will also have free access to your FICO score online.
  • Use your card anywhere Mastercard® is accepted — worldwide.
  • A security deposit is required. Once approved, your credit limit will be equal to your security deposit (minimum of $200).
  • Get help staying on track with Auto Pay and account alerts.
  • With Flexible Payment Due Dates, you can choose any available due date in the beginning, middle or end of the month.
  • Manage your account 24/7 online, by phone, or in our mobile app.
Purchase Intro APR:
N/A
Balance Transfer Intro APR:
N/A
Regular APR:
24.74%*
Variable
Annual Fee:
$0
Min. Credit Needed:
Limited

Rewards

  • Introducing the New Citi Rewards+℠ Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap
  • Earn 20,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 15.74% - 25.74%, based on your creditworthiness.
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • Get 10% Points Back for the first 100,000 ThankYou® Points you redeem per year
Purchase Intro APR:
0%
(15 Months)
Balance Transfer Intro APR:
0%
(15 Months)
Regular APR:
15.74% - 25.74%*
Variable
Annual Fee:
$0
Min. Credit Needed:
Good
  • Introducing the New Citi Rewards+℠ Student Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap
  • Earn 2,500 bonus points after you spend $500 in purchases with your card within 3 months of account opening; redeemable for a $25 gift card at thankyou.com
  • 0% Intro APR on purchases for 7 months. After that, the variable APR will be 16.74% - 26.74%, based on your creditworthiness                                                           
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
  • Get 10% Points Back for the first 100,000 ThankYou® Points you redeem per year
  • No annual fee
Purchase Intro APR:
0%
(7 Months)
Balance Transfer Intro APR:
N/A
Regular APR:
16.74% - 26.74%*
Variable
Annual Fee:
$0
Min. Credit Needed:
Good

Travel

Sorry, this offer is no longer available on Credit Karma.
  • Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases within the first 3 months of account opening*
  • Earn 2 AAdvantage® miles for every $1 spent at gas stations*
  • Earn 2 AAdvantage® miles for every $1 spent at restaurants*
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases*
  • Earn a $100 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card*
  • No Foreign Transaction Fees*
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation*
  • Enjoy preferred boarding on American Airlines flights*
  • Receive 25% savings on inflight food and beverage purchases when you use your card on American Airlines flights*
Purchase Intro APR:
N/A
Balance Transfer Intro APR:
N/A
Regular APR:
18.24% - 26.24%*
Variable
Annual Fee:
$0 intro, $99 after first year
Min. Credit Needed:
Good

Business

  • Designed for businesses
  • For a limited time: Earn 70,000 American Airlines AAdvantage® bonus miles after making $4,000 in purchases in first 4 months of account opening*
  • First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line*
  • 25% savings on American Airlines inflight Wi-Fi when you use your card*
  • Enjoy preferred boarding on American Airlines flights*
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases
  • Earn 2 AAdvantage® miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations*
  • Earn 1 AAdvantage® mile per $1 spent on other purchases*
  • No Foreign Transaction Fees*
Purchase Intro APR:
N/A
Balance Transfer Intro APR:
N/A
Regular APR:
17.99% - 25.99%*
Variable
Annual Fee:
$0 intro, $99 after first year
Min. Credit Needed:
Good
Helpful Articles

* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the provider's website.

† The Minimum Credit Needed provided by lenders represents their estimate of the minimum level of credit required to be eligible for the product. There is no guarantee that you will be approved by the lender or that credit will be extended to you.