Compare Top Citi® Credit Card Offers
Citi® offers a well-rounded selection of credit cards — with several stand-out features such as extended 0% intro APRs and welcome bonuses in the form of cash or gift cards.
On top of the perks you receive as a new cardmember, many of the Citi cards on our list include more evergreen benefits such as cashback on everyday spending and free access to your FICO® credit score.
Compare Best Credit Card Offers
Best Citi® Credit Cards for December, 2024
Citi® Diamond Preferred® Card
✔ Annual fee: none
✔ Suggested credit score: Excellent/Good
Our take: The defining feature of the Citi Diamond Preferred Card is by far its intro APR offers on both purchases and balance transfers. The card is entirely interest-free for 12 months, and that’s extended to 21 months for balance transfers. If you’re looking for a way to consolidate debt and save money on interest, this could be the card you’ve been waiting for.
Citi® Double Cash Card
✔ Annual fee: none
✔ Suggested credit score: Excellent/Good
Our take: The Citi Double Cash Card is an excellent card for those looking to earn cashback on everyday spending. Instead of having confusing rotating categories, the Double Cash Card simplifies its rewards, with 1% back on everything and another 1% when you pay off the purchases — for a total of 2% cashback on all of your spending!
The Citi Double Cash Card provides a convenient and affordable way to consolidate your debts with 0% interest on balance transfers for 18 months. Note that you must complete the balance transfer within four months from your account opening to be eligible for the intro APR offer.
Citi Premier® Card
✔ Welcome bonus: 60,000 bonus points when you spend $4,000 in the first three months from account opening
✔ Annual fee: $95
✔ Suggested credit score: Excellent
Our take: The Citi Premier® Card is an everyday rewards card with a generous welcome offer. As a new cardmember, you receive 60,000 bonus points after using your card to make $4,000 worth of purchases in your first three months.
Citi Custom Cash℠ Card
✔ Welcome bonus: 0% intro APR on purchases and balance transfers, $200 welcome bonus when you spend $750 within the first three months of having your card
✔ Annual fee: none
✔ Suggested credit score: Excellent/Good
Our take: The Citi Custom Cash℠ card is one of our top picks due to its extended intro APR offer and above-average cashback rewards. A unique feature of this card is the 5% cashback, which varies depending on where you shop each month. Not many cards offer 5% back; even fewer offer 5% back in your favorite spending categories.
Citi Rewards+® Card
✔ Welcome bonus: Interest-free for 15 months on all purchases and balance transfers
✔ Annual fee: none
✔ Suggested credit score: Excellent/Good
Our take: Are you ready to complete your next home project or fund another large purchase without paying interest for 15 months? You get all that and more with the Citi Rewards+® card. All purchases and balance transfers are interest-free for your first 15 billing cycles, with a variable rate starting from 13.49% after that.
Not sure which credit card is right for you?
No worries, we've got you covered! Compare multiple credit card options to choose the best card for your needs.
Is Citi a good credit card?
Citi offers valuable credit cards for all types of customers, whether you are new to the world of credit or have a more established credit history. Citi cards are safe, secure, and widely accepted nationwide and abroad.
How to activate a Citi credit card?
Once you submit your application, you should receive your new card within 15 days. Before you can start using your card, you must activate it online, through the Citi mobile app, or by calling the Citi customer service number (usually located on the back of your card).
How long does Citi credit card approval take?
After applying, you will receive a credit decision within two weeks, although it can be sooner. To help avoid delays, make sure you fill out your application as completely and accurately as possible.
How to apply for a Citi credit card?
Once you’ve chosen a card on our website, press the green “Apply Now” button. This will bring you directly to our partner’s website to finish and submit your application. The whole process shouldn’t take longer than 5-10 minutes.
What credit score do you need for a Citi card?
You don’t need a minimum credit score to apply for Citi cards; however, your approval odds may vary significantly by card. Be sure to look at a card's “suggested credit score” before applying. As a reminder, here are the credit score range estimates to keep in mind as you compare your options.
- Excellent 750+
- Good 700-749
- Average/Fair: 630-699
- Bad/Limited: 300-629
Does Citi do balance transfers?
Yes, Citi offers several balance transfer options. Citi cards have some of the longest introductory APRs in the industry, typically between 15-21 months. Therefore, depending on the Citi card you choose, you may be able to transfer debts to your new card and pay 0% interest for up to 21 months.
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