Best Citibank Credit Cards

Here are the best Citi credit card offers:

Citibank Credit Cards

Citi Strata Premier® Card

Supercharge Your Earning with the Citi Strata Premier^® Card

60,000 bonus points after spending $4,000 in the first 3 months
10X points on hotels, car rentals and attractions booked through CitiTravel.com
3X points on air travel, other hotel purchases, supermarkets, restaurants and gas & EV charging stations
1X point on all other purchases
$100 annual hotel benefit on a single $500+ stay booked via CitiTravel.com
No foreign transaction fees and no points expiration
$95 annual fee

Whether you’re packing your bags for an international adventure or filling up at the grocery store, the Citi Strata Premier^® Card rewards you richly across everyday essentials and travel purchases. Track your points in the Citi app, enjoy instant hotel savings, and leverage top transfer partners to unlock even more value.

Terms apply. Annual fee applies. Bonus points require minimum spend. See full terms for details.

Citi Custom Cash℠ Card

Earn Top-Tier Cash Back Automatically with the Citi Custom Cash^® Card

5% cash back on your highest eligible spend category each billing cycle (up to $500)
1% cash back on all other purchases
$200 welcome bonus after $1,500 spent within 6 months
0% intro APR on purchases and balance transfers for 15 months
No annual fee
Automatic category tracking—rewards adjust each cycle with no activation needed

Whether you’re filling up at the pump, grabbing groceries or streaming your favorite shows, this card matches your top spending category every month—so you always earn maximum cash back where it matters most. Redeem ThankYou^® Points as statement credits, direct deposits or gift cards with no minimums, and manage your account seamlessly in the Citi Mobile app.

Terms apply. 5% back on up to $500 in combined eligible purchases per billing cycle, then 1% back. Welcome bonus: 20,000 points (worth $200) after $1,500 spend in first 6 months. Intro APR and balance transfer offer subject to credit approval; fees apply. See issuer for details.

American Airlines Credit Cards

Here are the best Citi AAdvantage credit card offers:

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

Unlock Premier American Airlines Benefits with the Citi^® AAdvantage^® Platinum Select^® World Elite Mastercard^®

80,000 bonus miles after you spend $3,500 in the first 4 months
2X AAdvantage^® miles per $1 on American Airlines purchases, dining and gas
1X mile per $1 on all other spending
First checked bag free for you and up to four companions on domestic AA flights
Preferred boarding on American Airlines flights
25% savings on in‑flight food and beverages
No foreign transaction fees
$99 annual fee (waived first year)

Whether you’re a frequent flyer or planning occasional getaways, this card accelerates your AAdvantage^® earnings on every swipe and trims travel costs with free bags and priority boarding. Enjoy a generous sign‑up bonus to boost your mileage balance, plus ongoing benefits that make every American Airlines trip smoother. Manage your miles and perks seamlessly in the Citi Mobile^® app and start unlocking premium AA advantages today.

Annual fee $99 (waived first year). Foreign transaction fee: 3%. See issuer for full terms and details.

AAdvantage® Aviator® Red World Elite Mastercard®

Take Flight with the AAdvantage^® Aviator^® Red Mastercard^®

50,000 bonus miles after spending $2,500 in the first 3 months
2X miles on eligible American Airlines purchases
1X mile on all other purchases
First checked bag free for you and up to 4 companions on domestic AA flights
Preferred boarding on American Airlines flights
25% savings on in‑flight food, beverages and headsets
No foreign transaction fees
$95 annual fee

Whether you’re booking a cross‑country trip or a quick business flight, the Aviator Red card boosts your Mile balance on every American Airlines purchase. Enjoy the convenience of priority boarding and skip bag fees on your first checked bag—plus enjoy savings on snacks and entertainment at 30,000 feet. Miles never expire, and you can redeem them for award flights, seat upgrades and more across the AAdvantage network.

Terms apply. Welcome bonus requires $2,500 spend in 90 days. Free bag applies on AA-operated flights; companions must be on the same reservation. See issuer for full details.

FAQs About Citi Credit Cards

Is Citi a reliable credit card issuer?

Citi is a well-established credit card issuer offering competitive products for both rewards and balance transfers. While some users report occasional issues with the online platform, most cardholders are satisfied with the benefits and value.

Which Citi credit card is the most rewarding?

The best Citi card depends on your needs. If you want simple, flat-rate rewards, the Citi Double Cash^® Card is a top choice. For those who prefer flexible points, cards that earn ThankYou Rewards may be a better fit.

How can I apply for a Citi credit card?

You can apply directly through Citi’s website or by using the “Apply Now” buttons on our site. The process is entirely online and typically takes just a few minutes to complete if you have your personal and financial information ready.

Do all Citi cards charge foreign transaction fees?

No, not all Citi cards have foreign transaction fees. Travel-focused products like the Citi Premier^® Card typically waive them, while some cashback or store-specific cards may still include a 3% fee on international purchases.

Can I redeem Citi rewards for cash?

Yes. If you earn ThankYou Rewards, you can convert points into cash back, gift cards, or travel. Certain co-branded cards like the Costco Anywhere Visa^® by Citi may also issue annual reward certificates redeemable in-store or for cash.

What credit score do I need to qualify for a Citi card?

Citi offers cards for various credit levels. Most rewards cards require good credit (typically 670+), while secured products like the Citi^® Secured Mastercard^® are available to those with limited or rebuilding credit profiles.

How do I cancel a Citi credit card safely?

You can cancel your Citi card by calling the number on the back, sending a secure message, or using Citi’s online chat. Before doing so, consider asking about retention offers — you might receive an incentive to keep the card active.