Best Citi Credit Cards for December 2024

The Citi Strata Premier℠ Card earns flexible rewards, which can be redeemed for cash or transferred to airline and hotel loyalty programs for free travel. The card also offers one of the all-around best collections of bonus categories.

You’ll earn three points per dollar with restaurants, supermarkets, gas stations, other hotel purchases, and air travel (and one point per dollar for everything else).This easily covers the majority of spending for many budgets. Also note that the card is currently offering 10 points per dollar for hotels, rental cars, and attractions booked through the Citi Travel Portal.

The card incurs a $95 annual fee, which will eat into your yearly profit from swiping. Nevertheless, the value in travel that you can squeeze from the card’s points can be well worth it.

• Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
• Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
• Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
• Earn 1 Point per $1 spent on all other purchases
• $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
• No expiration and no limit to the amount of points you can earn with this card
• No Foreign Transaction Fees on purchases

The Citi Custom Cash® Card takes all the brainpower out of maximizing your cash back credit card. It tracks your spending for you, identifies the eligible bonus category you’ve used the most each billing cycle, and awards you 5% cash back for those purchases (up to $500 per month, then 1% thereafter). Eligible categories include grocery stores, restaurants, gas stations, drugstores, live entertainment, home improvement stores, fitness clubs, and select streaming services, travel, and transit.

Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
• 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
• Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  
  Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.
• No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
• No Annual Fee
• Citi will only issue one Citi Custom Cash® Card account per person.

The card_name offers balance_transfer_intro_apr,balance_transfer_intro_duration and intro_apr_rate,intro_apr_duration. This is one of the largest 0% intro annual percentage rate (APR) windows of any credit card on the market, making it a top choice for those looking for an extended respite from the high interest charged by other credit cards. A balance_transfer_duration_months breather will help you pay off your balances faster, potentially saving you thousands of dollars, depending on the amount of debt you have.

Unfortunately, the card doesn’t come with any other notable benefits. It also doesn’t earn any rewards for your spending. Still, with annual_fees annual fee, it’s worth keeping year after year simply to bolster your length of credit history (which accounts for 15% of your overall FICO credit score). Just make sure to use it once every six months or so to avoid closure due to inactivity.

• 0% Into APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 17.49% - 28.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
• 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.
• No Annual Fee - our low intro rates and all the benefits don't come with a yearly charge.
• Balance transfer fee: balance_transfer_fees
• Cash advance fee: cash_advance_fee
• Foreign transaction fee: foreign_transaction_fee

American Airlines flyers will appreciate the lengthy travel benefits of the card_name. It comes with the first checked bag free for you and up to eight companions on the same domestic travel reservation; priority boarding, check-in, and screening; and American Airlines Admirals Club airport lounge membership (with Admirals Club access for authorized users). These perks can make your travel experience much more enjoyable.

Here’s the caveat: You’ll pay a annual_feesannual fee for the privilege of holding the card. This is higher than the average credit card fee, but when you consider that a yearly Admirals Club membership costs up to $850, the card’s value is clear. In short, if you’d otherwise purchase an Admirals Club membership, this card is a no-brainer.

• Earn 70.000 American Airlines AAdvantage® bonus miles after spending $7,000 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.
• No foreign Transaction Fees on purchases.
• Earn 1 Loyalty Poit for every 1 eligible AAdvantage® mile earned from 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.
• Balance transfer fee: balance_transfer_fees
• Cash advance fee: cash_advance_fee
• Foreign transaction fee: foreign_transaction_fee

Citi Double Cash® Card is one of the best credit cards for everyday spending. It earns 2% on all purchases (1% back when you make a purchase and 1% back when you pay off that purchase). The ability to receive a minimum of 2% back is excellent, particularly for those with sporadic spending habits that don’t often fall into common credit card bonus categories.

This is another rewards credit card open to people with “fair" credit. If you’re a student—or non-student—with a credit score that still needs some work, the Citi Double Cash® Card could be a good fit.

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
• Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
• Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
• Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
• If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Whether you have a messy credit history or none at all, the Citi® Secured Mastercard® Credit Card is a good way to build your credit profile. It’s a secured credit card, which means that you’ll have to submit a refundable security deposit to Citi (between 200 and 2,500) before you can open one. Your credit line will equal the amount of money you choose to submit.

The card doesn’t earn rewards for your spending or offer any benefits with real value. Still, if you need to build your credit, this card is worth a look. After exhibiting responsible payment habits, your credit score should improve, and then you should be able to open a more lucrative card.

• There is no bonus offer with this card.
• This card does not offer a rewards program for purchases.
• A security deposit between $200 and $2,500 is required. The amount of your security deposit will determine your credit limit.
• Annual Fee: $0
• Purchase APR: 26.74% (Variable)
• Credit Management Tools: This card offers free access to your FICO score.
• Balance transfer fee: Either $5 or 5% of the amount of each transfer, whichever is greater.
• Cash advance fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.
• Foreign transaction fee:
  • There is no bonus offer with this card.
  • This card does not offer a rewards program for purchases.
  • A security deposit between $200 and $2,500 is required. The amount of your security deposit will determine your credit limit.
  • Annual Fee: $0
  • Purchase APR: 26.74% (Variable)
  • Credit Management Tools: This card offers free access to your FICO score.

Despite its name, card_name is useful for far more than just Costco purchases. Most notably you’ll earn 4% cash back on eligible gas and electric vehicle charging stations (for up to $7,000 in purchases per calendar year, then 1%). You’ll also receive 3% cash back on restaurants and eligible travel, including Costco Travel. You’ll receive 2% back with Costco online and in the store and 1% back for everything else.

The card comes with two annoying restrictions.. First, only Costco members can open one. Second, you can only redeem your rewards once per year (specifically, in February) for either a lump sum of cash or merchandise at U.S. Costco warehouses.

• Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
• 4% cash back on eligible gas and EV charging purchases 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
• No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
• Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico