A look at the best Citi credit cards:
Choosing the right credit card is an important part of building or maintaining your credit. Citi credit cards are backed by CitiBank, which is one of the oldest banks in the country. That’s why you should check out Citi’s offering when looking for the right credit card for you.
Benzinga has researched Citi credit cards and provides a list below of some of the best Citi credit cards offered by the bank.
1. Best for introductory fares: Citi® Diamond Preferred® Card
If you’re looking for a credit card that can transfer existing balances or make purchases on the card for an extended introductory period without paying interest, the Citi® Diamond Preferred® Card is a great choice. With it, you can transfer balances that have APRs or make large purchases without having to worry about paying interest for an extended period of time. To qualify for this card, you must have a good to excellent credit rating.
2. Best for Rewards Flexibility: The Citi Premier® Card
People who love credit card rewards, whether they can be used for travel, gift cards or purchases, are a great fit for the Citi Premier® Card. This credit card offers rewards points for everything spent on the card and allows cardholders to use rewards points in different ways. For example, you can transfer your points to participating airline programs or make purchases at retailers like Amazon and Best Buy. That’s what makes it one of the best credit cards for rewards and points – you won’t be stuck spending your points on just one type of reward.
3. Best for Personalized Cash Back: The Citi Custom Cash® Card
All cash back credit cards work differently, but the Citi Custom Cash® Card is a great choice for those who want to earn money where they spend the most. If you love using your credit for groceries, you can choose this category with this card and earn the most cash back when you shop for groceries. The same goes for all the areas where you spend the most: gas, travel, restaurants, home improvement, public transport, fitness clubs, live entertainment, pharmacies and streaming services. The best thing is that you will still earn money for other areas, but at a reduced rate. Points never expire and you can redeem them via statement credit, direct deposit or check.
4. Best for No Boundaries Cash Back: Citi® Double Cash Credit Card
If you love cash back credit cards but don’t want to be limited by categories or other rules, the Citi® Double Cash Credit Card may be a great choice for you. This credit card rewards program works in two phases. You get half of your cash back rate when you make a purchase and the other half when you pay the bill. The cash back rate is the same for everything you buy, so you never have to try to remember which types of purchases you earn the most cash back points for. Points never expire and you can redeem them for a check, direct deposit or statement credit.
5. Best for Costco Business Shoppers: Costco Anywhere Visa® Business Card by Citi
For business owners who shop at Costco for their business needs, the Citi Costco Anywhere Visa® Business Card is hard to beat. This card allows you to earn points for everything you buy. These points will accumulate throughout the year as you spend money on your business, then at the end of the statement close in February, you will receive an annual credit card reward certificate redeemable at Costco for cash or merchandise.
6. Best for Costco Shoppers: Citi’s Costco Anywhere Visa® Card
If you’re an individual who likes to shop at Costco, the Citi Costco Anywhere Visa® Card might be the perfect card to carry in your wallet. You must be a Costco member to be approved to use this card. As you shop throughout the year, your Costco Rewards will accumulate, and then after your February statement closes, you’ll receive an annual credit card reward certificate. You can use these points at any Costco to pay for goods or to exchange money.
seven. Ideal for secure cards: Citi® Secured Mastercard®
To get an unsecured credit card, you need to have a decent credit score. But some people are just beginning their credit journey while others haven’t used their credit cards responsibly or encountered an obstacle in the road that has lowered their score so much they can’t qualify. for a credit card. That’s where the Citi® Secured Mastercard® comes in. Unlike other secured credit cards, this card issuer doesn’t charge a lot of unreasonable fees or charge an annual fee to use the card. And if you’re trying to improve your credit score, the card issuer reports to all three credit agencies. If you pay your bill on time each month for 18 months, you may qualify for an unsecured Citi card. If you’re building your credit and need a secure credit card to get it started, this might be the card for you.
How hard is it to get a Citi credit card?
Depending on the credit card you apply for, it can be quite difficult to get a Citi credit card. Most Citi credit cards require a good to excellent credit score, but there are exceptions. For example, if your credit score is not at least in the “good” range, you can apply for the bank’s secured credit card.
In addition to having a good credit rating, you will need to meet these requirements when applying for a Citi credit card:
- 18 or older
- Have a job with sufficient income to make your payments
- Valid address in the United States
- SSN, ITIN or Passport
Remember that when applying for a Citi credit card, your credit score will be affected slightly as Citi puts heavy credit pressure on all applications. That’s why it’s important to understand credit requirements before applying for a card.
Advantages and disadvantages of Citi credit cards
When deciding whether or not to apply for a Citi credit card, it’s important to understand the pros and cons of the cards. Here’s what you need to know.
- Great rewards cards with cash back, points and miles for merchandise you would buy anyway
- Credit cards for many types of credit
- Backed by CitiBank, a leading global bank in business since 1812
- More than 700 CitiBank branches in the United States and 2,649 branches worldwide
- Build credit with specific Citi credit cards
- No annual fees
You’ll get purchase protection with Citi credit cards. This means that if you buy something that is faulty or not as advertised, you can dispute the charges with Citi. You won’t get the same protection if you pay in cash.
- Requirement for high credit scores
- Potentially high APR for people with lower credit scores
How long does it take to get a Citi credit card?
The time it takes to get a Citi credit card depends on where you live. Some people say they get their Citi credit card in five to seven days, while others say it takes up to two weeks. The official deadline given by Citi is a maximum of 14 days. Citi does not ship credit cards unless they are replacing a lost or stolen card.
Citi versus competing cards
Citi’s credit card offerings hold up well against competitors. Comparable cards include Bank Americard®, Capital One VentureX Rewards, Wells Fargo Active Cash® Card, Capital One SavorOne Cash Cash Rewards Credit Card, Ink Business Unlimited® Credit Card, Chase Freedom Unlimited and Capital One Quicksilver Secured Cash Rewards Credit Card. These cards offer a variety of benefits, including cash back, low introductory APRs, and customizable cash back categories.
Frequently Asked Questions
Which Citi credit card is the easiest to get?
The easiest Citi credit card to get is the Citi® Secured Mastercard® because it’s the only Citi card people with limited credit can get. Other Citi credit cards require good to excellent scores to qualify.
Is the Citi credit card worth it?
Citi credit cards are worth it because the credit card issuer offers credit cards with great rewards. Citi’s cash back credit cards are generous, and the bank even issues specific credit cards to Costco shoppers. There’s a Citi credit card for everyone.
Can I apply for multiple Citi Cards?
While there’s nothing stopping you from applying for multiple Citi cards, the credit card issuer limits the amount of credit they’ll give you after checking your credit score and background. So, they may offer you multiple credit cards, but that doesn’t mean you’ll have access to more credit. Additionally, Citi limits the number of times you can apply for one of its credit cards. Applicants can only submit an application every eight days.