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: 1-888-245-9657
  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.99% - 23.99% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer
  • Citi® Price Rewind searches for lower prices online for 60 days for your registered purchases: you can get back up to $500 per item and $2,500 a year*
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*
  • Free access to FICO® Scores*    
Purchase Intro APR:
0%*
(21 Months*)
Balance Transfer Intro APR:
0%*
(21 Months*)
Regular APR:
13.99% - 23.99%*
Variable
Annual Fee:
$0*
Min. Credit Needed:
Excellent
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 and Purchases for 21 months. After that, the variable APR will be 14.99% - 24.99% based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% 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%*
(21 Months*)
Balance Transfer Intro APR:
0%*
(21 Months*)
Regular APR:
14.99% - 24.99%*
Variable
Annual Fee:
$0*
Min. Credit Needed:
Excellent

Cash Back

Apply by phone: 888-262-8315
  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.49% - 24.49% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
  • No categories to track, no caps on cash back, no annual fee*
Purchase Intro APR:
N/A
Balance Transfer Intro APR:
0%*
(18 Months)
Regular APR:
14.49% - 24.49%*
Variable
Annual Fee:
$0*
Min. Credit Needed:
Good
  • Exclusively for Costco Members: Go Big with Cash Back Rewards
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
Purchase Intro APR:
0%*
(7 Months)
Balance Transfer Intro APR:
N/A
Regular APR:
16.24%*
Variable
Annual Fee:
$0*
Min. Credit Needed:
Excellent

Secured

  • No Annual Fee, and unlike a prepaid card, it helps build credit history with monthly notifications to the credit bureaus
  • A security deposit is required for this product (minimum $200)
  • Pay your bill on time every month to avoid damaging your credit. Citi can help keep you on track with Auto Pay, online Bill Pay and alerts. 
  • Use the card anywhere Mastercard® is accepted — worldwide
Purchase Intro APR:
N/A
Balance Transfer Intro APR:
N/A
Regular APR:
23.49%*
Variable
Annual Fee:
$0*
Min. Credit Needed:
Limited

Rewards

Apply by phone: 1-866-936-4537
  • Enjoy 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer; after that, the variable APR will be 14.49% - 24.49%  based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • Points are redeemable for gift cards to popular retailers, restaurants, and department and home stores. 2,500 ThankYou® Points can be redeemed for a $25 gift card at thankyou.com.
  • No expiration and no limit to the amount of points you can earn with this card
  • No annual fee*    
Purchase Intro APR:
0%*
(15 Months*)
Balance Transfer Intro APR:
0%*
(15 Months*)
Regular APR:
14.49% - 24.49%*
Variable
Annual Fee:
$0*
Min. Credit Needed:
Excellent
Apply by phone: 800-817-2054
  • Earn more on travel purchases - redeem points for meaningful rewards
  • Earn 3X Points on Travel, Including Gas Stations
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • Points are redeemable for airfare on any airline, anytime with no blackout dates when booked through the ThankYou® Travel Center or for gift cards when redeemed at thankyou.com
  • No expiration and no limit to the amount of points you can earn with this card
  • Points Transfer allows you to transfer points to participating airline loyalty programs
  • No Foreign Transaction Fees on purchases*    
Purchase Intro APR:
N/A
Balance Transfer Intro APR:
N/A
Regular APR:
15.49% - 24.49%*
Variable
Annual Fee:
$0 intro, $95 after first year
Min. Credit Needed:
Excellent
  • Earn 2,500 bonus points after spending $500 in purchases within the first 3 months of account opening*
  • 2,500 ThankYou® Points are redeemable for $25 in gift cards, electronics and other great rewards when redeemed at thankyou.com
  • Earn 2X Points on Dining Out & Entertainment Earn 1X Points on All Other Purchases
  • No expiration and no limit to the amount of points you can earn with this card Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*    
Purchase Intro APR:
0%*
(7 Months)
Balance Transfer Intro APR:
N/A
Regular APR:
15.49% - 25.49%*
Variable
Annual Fee:
$0*
Min. Credit Needed:
Good

Travel

  • For a limited time, earn 60,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases within the first 3 months of account opening*
  • 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*
  • No Foreign Transaction Fees on purchases1
  • Receive 25% savings on in-flight food and beverage purchases when you use your card on American Airlines flights*
  • Double AAdvantage® miles on eligible American Airlines purchases*
  • Earn 10% of your redeemed AAdvantage® miles back - up to 10,000 AAdvantage® miles each calendar year*    
Purchase Intro APR:
N/A
Balance Transfer Intro APR:
N/A
Regular APR:
16.99% - 24.99%*
Variable
Annual Fee:
$0 intro, $95 after first year
Min. Credit Needed:
Excellent
  • Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening*
  • Admirals Club® membership for you and guests with you*
  • Complimentary Admirals Club® lounge access for authorized users
  • Earn 10,000 AAdvantage® Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year*
  • No Foreign Transaction Fees on purchases*
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases*
  • First checked bag is free on domestic American Airlines itineraries for you and up to eight companions traveling with you on the same reservation*
Purchase Intro APR:
N/A
Balance Transfer Intro APR:
N/A
Regular APR:
16.74% - 24.74%*
Variable
Annual Fee:
$450
Min. Credit Needed:
Excellent
  • Earn 15,000 Expedia+ bonus points after $1,000 in purchases within 3 months of account opening*
  • Points redeemable for $200 towards your stay at a +VIP Access™ hotel*
  • 3 Expedia+ bonus points per $1 spent on eligible Expedia purchases including flights, hotels, activities and travel packages *
  • 1 Expedia+ bonus point per $1 spent on other purchases*
  • Enjoy Expedia+ silver status each year of cardmembership
  • Earn one Elite Qualifying Hotel Night towards Expedia+ gold status for each increment of $2,500 in purchases made on the card between your January and December billing statements*
Purchase Intro APR:
N/A
Balance Transfer Intro APR:
N/A
Regular APR:
15.99% - 23.99%*
Variable
Annual Fee:
$0*
Min. Credit Needed:
Excellent
  • Earn 25,000 Expedia+ bonus points after $2,000 in purchases within 3 months of account opening*
  • Points redeemable for $350 towards your stay at a +VIP Access™ hotel
  • 4 Expedia+ bonus points per $1 spent on eligible Expedia purchases including flights, hotels, activities and travel packages*
  • 2 Expedia+ bonus points per $1 spent on dining out and entertainment*
  • 1 Expedia+ bonus point per $1 spent on other purchases*
  • Enjoy Expedia+ gold status each year of cardmembership*
  • $100 Annual Air Travel Fee Statement Credit can be used toward airline incidentals or for either the Global Entry or the TSA PreCheck® application fees*
Purchase Intro APR:
N/A
Balance Transfer Intro APR:
N/A
Regular APR:
14.99% - 22.99%*
Variable
Annual Fee:
$95*
Min. Credit Needed:
Excellent
  • 0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 16.99% - 24.99% based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • Earn 25,000 American Airlines AAdvantage® bonus miles after making $750 in purchases within the first 3 months of account opening*
  • Receive 25% savings on in-flight food and beverage purchases when you use your card on American Airlines flights*
  • Earn 1 AAdvantage® mile for every $1 spent on purchases
  • Reduced Mileage Awards: Fly for 5,000 fewer AAdvantage® miles roundtrip to select destinations    
Purchase Intro APR:
0%
(15 Months)
Balance Transfer Intro APR:
0%
(15 Months)
Regular APR:
16.99% - 24.99%*
Variable
Annual Fee:
$0 intro, $50 after first year
Min. Credit Needed:
Excellent

Business

  • Exclusively for Costco Members: Go Big with Cash Back Rewards. Receive a reward coupon annually which is redeemable for cash or merchandise at US Costco warehouses
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
Purchase Intro APR:
0%*
(7 Months)
Balance Transfer Intro APR:
N/A
Regular APR:
16.24%*
Variable
Annual Fee:
$0*
Min. Credit Needed:
Excellent
  • Designed for businesses
  • For a limited time, earn 60,000 American Airlines AAdvantage® bonus miles after making $3,000 in purchases within the first 3 months of account opening*
  • 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*
  • Earn 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases*
  • Earn 2 AAdvantage® miles for every $1 spent on purchases at telecommunications, car rental merchants and at gas stations*
  • Earn 1 AAdvantage® mile per $1 spent on other purchases.*    
Purchase Intro APR:
N/A
Balance Transfer Intro APR:
N/A
Regular APR:
16.74% - 24.74%*
Variable
Annual Fee:
$0 intro, $95 after first year
Min. Credit Needed:
Excellent
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.