Citi Credit Cards

We suggest offers based on money we make from our partners.

These offers are no longer available on our site: Citi® Double Cash Card, Citi ThankYou® Preferred Card for College Students, Citi ThankYou® Premier Card, Citi ThankYou® Preferred Card

Intro Purchase APR

0% 12 Months

Regular Purchase APR

15.24% - 25.24% Variable

Intro Balance Transfer APR

0% 21 Months

Regular Balance Transfer APR

15.24% - 25.24% Variable

Annual Fee

$0

Rewards

None

Balance Transfer Fee

5%, Min: $5

Min Credit Needed

GOOD

Return Payment Fee

Up to $40

Foreign Transaction Fee

3%

Penalty APR

Up to 29.99% Variable

Late Fee

Up to $40

Cash Advance Fee

5%, Min: $10

Cash Advance APR

26.74% Variable

Card Information

Card Details

  • 0% Intro APR on balance transfers for 21 months from date of first transfer. After that, the variable APR will be 15.24% - 25.24%, based on your creditworthiness. All transfers must be completed in first 4 months.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 15.24% - 25.24%, 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 balance, are paid in full.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® score online.
  • With Citi Entertainment℠ get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 15.24% - 25.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Card Details

  • 0% Intro APR on balance transfers for 21 months from date of first transfer. After that, the variable APR will be 15.24% - 25.24%, based on your creditworthiness. All transfers must be completed in first 4 months.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 15.24% - 25.24%, 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 balance, are paid in full.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® score online.
  • With Citi Entertainment℠ get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 15.24% - 25.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Intro Purchase APR

0% 12 Months

Regular Purchase APR

15.24% - 25.24% Variable

Intro Balance Transfer APR

0% 21 Months

Regular Balance Transfer APR

15.24% - 25.24% Variable

Annual Fee

$0

Min Credit Needed

GOOD

 

 

Intro Purchase APR

0% 12 Months

Regular Purchase APR

16.24% - 26.24% Variable

Intro Balance Transfer APR

0% 21 Months

Regular Balance Transfer APR

16.24% - 26.24% Variable

Annual Fee

$0

Rewards

None

Balance Transfer Fee

5%, Min: $5

Min Credit Needed

GOOD

Return Payment Fee

Up to $40

Foreign Transaction Fee

3%

Penalty APR

N/A

Late Fee

None

Cash Advance Fee

5%, Min: $10

Cash Advance APR

26.74% Variable

Card Information

Great for balance transfers

Card Details

  • 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 standard variable APR for Citi Flex Plan is 16.24% - 26.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges.

Card Details

  • 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 standard variable APR for Citi Flex Plan is 16.24% - 26.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • Stay protected with Citi® Quick Lock and $0 liability on unauthorized charges.

Intro Purchase APR

0% 12 Months

Regular Purchase APR

16.24% - 26.24% Variable

Intro Balance Transfer APR

0% 21 Months

Regular Balance Transfer APR

16.24% - 26.24% Variable

Annual Fee

$0

Min Credit Needed

GOOD

 

 

 

Intro Purchase APR

N/A

Regular Purchase APR

23.99% Variable

Intro Balance Transfer APR

N/A

Regular Balance Transfer APR

23.99% Variable

Annual Fee

$0

Rewards

None

Balance Transfer Fee

3%, Min: $5

Min Credit Needed

LIMITED

Return Payment Fee

Up to $40

Foreign Transaction Fee

3%

Penalty APR

Up to 29.99% Variable

Late Fee

Up to $40

Cash Advance Fee

5%, Min: $10

Cash Advance APR

26.74% Variable

Card Information

Card Details

  • 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.
  • The standard variable APR for Citi Flex Plan is 23.99%. Citi Flex Plan offers are made available at Citi's discretion

Card Details

  • 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.
  • The standard variable APR for Citi Flex Plan is 23.99%. Citi Flex Plan offers are made available at Citi's discretion

Intro Purchase APR

N/A

Regular Purchase APR

23.99% Variable

Intro Balance Transfer APR

N/A

Regular Balance Transfer APR

23.99% Variable

Annual Fee

$0

Min Credit Needed

LIMITED

 

 

Intro Purchase APR

N/A

Regular Purchase APR

17.49% - 26.49% Variable

Intro Balance Transfer APR

N/A

Regular Balance Transfer APR

17.49% - 26.49% Variable

Annual Fee

$0 intro, then $99 after first year

Rewards

None
Miles

Balance Transfer Fee

3%, Min: $5

Min Credit Needed

EXCELLENT

Return Payment Fee

Up to $40

Foreign Transaction Fee

0%

Penalty APR

Up to 29.99% Variable

Late Fee

Up to $40

Cash Advance Fee

5%, Min: $10

Cash Advance APR

26.74% Variable

Card Information

Card Details

  • 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 and restaurants
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
  • Earn a $125 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
  • The standard variable APR for Citi Flex Plan is 17.49% - 26.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Card Details

  • 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 and restaurants
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
  • Earn a $125 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
  • The standard variable APR for Citi Flex Plan is 17.49% - 26.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Intro Purchase APR

N/A

Regular Purchase APR

17.49% - 26.49% Variable

Intro Balance Transfer APR

N/A

Regular Balance Transfer APR

17.49% - 26.49% Variable

Annual Fee

$0 intro, then $99 after first year

Min Credit Needed

EXCELLENT

 

Intro Purchase APR

N/A

Regular Purchase APR

17.49% - 26.49% Variable

Intro Balance Transfer APR

N/A

Regular Balance Transfer APR

N/A

Annual Fee

$0 intro, $99 after first year

Rewards

None
Miles

Balance Transfer Fee

N/A

Min Credit Needed

GOOD

Return Payment Fee

$39

Foreign Transaction Fee

0%

Penalty APR

Up to 29.99% Variable

Late Fee

$39

Cash Advance Fee

5%, Min: $10

Cash Advance APR

26.74% Variable

Card Information

Card Details

  • Designed for businesses
  • Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the 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.

Card Details

  • Designed for businesses
  • Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the 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.

Intro Purchase APR

N/A

Regular Purchase APR

17.49% - 26.49% Variable

Intro Balance Transfer APR

N/A

Regular Balance Transfer APR

N/A

Annual Fee

$0 intro, $99 after first year

Min Credit Needed

GOOD

 

Intro Purchase APR

N/A

Regular Purchase APR

17.49% - 26.49% Variable

Intro Balance Transfer APR

N/A

Regular Balance Transfer APR

17.49% - 26.49% Variable

Annual Fee

$450

Rewards

None
Miles

Balance Transfer Fee

3%, Min: $5

Min Credit Needed

EXCELLENT

Return Payment Fee

Up to $40

Foreign Transaction Fee

0%

Penalty APR

Up to 29.99% Variable

Late Fee

Up to $40

Cash Advance Fee

5%, Min: $10

Cash Advance APR

26.74% Variable

Card Information

Card Details

  • 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 access for up to two guests or immediate family members traveling with you
  • 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 8 companions traveling with you on the same reservation
  • The standard variable APR for Citi Flex Plan is 17.49% - 26.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion

Card Details

  • 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 access for up to two guests or immediate family members traveling with you
  • 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 8 companions traveling with you on the same reservation
  • The standard variable APR for Citi Flex Plan is 17.49% - 26.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion

Intro Purchase APR

N/A

Regular Purchase APR

17.49% - 26.49% Variable

Intro Balance Transfer APR

N/A

Regular Balance Transfer APR

17.49% - 26.49% Variable

Annual Fee

$450

Min Credit Needed

EXCELLENT