BEST OF

Best Citi Credit Cards of April 2021

NerdWalletFebruary 12, 2021
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Citi-branded credit cards include a fantastic flat-rate cash-back card, cards with extra-long 0% APR periods for balance transfers and even an outstanding store card.

NerdWallet's Best Citi Credit Cards of April 2021

Best Citi Credit Cards From Our Partners

Our pick for

Travel rewards

NerdWallet rating 

4.6

/5
Citibank ThankYou Premier Credit Card

on Citibank's application

Annual Fee

$95

Regular APR

15.99% - 23.99% Variable APR

Intro APR

N/A

Rec Credit Score

690-850Good - Excellent

Our pick for

Balance transfers

NerdWallet rating 

4.8

/5
Citibank Diamond Preferred Credit Card

on Citibank's application

Annual Fee

$0

Regular APR

14.74% - 24.74% Variable APR

Intro APR

0% intro APR on Purchases and Balance Transfers for 18 months

Rec Credit Score

690-850Good - Excellent

Our pick for

Cash back

NerdWallet rating 

5.0

/5
Citi® Double Cash Card

on Citibank's application

Annual Fee

$0

Regular APR

13.99% - 23.99% Variable APR

Intro APR

0% intro APR on Balance Transfers for 18 months

Rec Credit Score

690-850Good - Excellent

Our pick for

Outsize rewards on small purchases

NerdWallet rating 

3.1

/5
Citi Rewards+® Card

on Citibank's application

Annual Fee

$0

Regular APR

13.49% - 23.49% Variable APR

Intro APR

0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening

Rec Credit Score

690-850Good - Excellent

Our pick for

Wholesale shoppers

NerdWallet rating 

4.7

/5
Citibank Costco-Anywhere Visa Card Credit Card

on Citibank's application

Annual Fee

$0

Regular APR

15.24% Variable APR

Intro APR

N/A

Rec Credit Score

720-850Excellent

FULL LIST OF EDITORIAL PICKS: BEST CITI CREDIT CARDS

Click the card name to read our review. Before applying, confirm details on the issuer’s website.

Our pick for: Cash back

Year after year, the Citi® Double Cash Card – 18 month BT offer has been our choice for the best flat-rate cash-back card. You earn 2% cash back on every purchase — 1% when you buy something and 1% when you pay it off. There's no 0% intro period for purchases and no sign-up bonus, but the high rewards rate more than makes up for the lack of bells and whistles. Read our review.

Our pick for: Travel

The Citi Premier® Card earns bonus points on airfare, hotels, supermarkets, dining and gas stations. There's a solid sign-up bonus as well. Read our review.

Our pick for: Balance transfers + late fee waiver

The Citi Simplicity® Card - No Late Fees Ever has one of the longest available introductory 0% APR periods for balance transfers, and a decent one for purchases as well. It doesn't charge an annual fee, late fees or penalty APRs either. Read our review.

Our pick for: Balance transfers 

The Citi® Diamond Preferred® Card offers a long 0% introductory APR period on balance transfers and a shorter (but still pretty good) one for purchases. It doesn't have the late-fee forgiveness of Citi's other balance-transfer card, but it's still a great option. Read our review.

Our pick for: Outsize rewards on small purchases

The Citi Rewards+® Card might not be right for everyone, but its unique rounding-up feature means that every purchase will earn at least 10 points. The card offers bonus rewards at gas stations and supermarkets and has no annual fee. And the 0% intro APR period shouldn't be overlooked. Read our review.

Our pick for: College students

The Citi Rewards+℠ Student Card offers bonus rewards at gas stations and supermarkets, and its rounding-up feature means you can earn outsize rewards on small purchases. A good option for students with a lot of little expenses. Read our review.

Our pick for: Building credit

The Citi® Secured Mastercard® is a straightforward card for people new to credit — put down a security deposit, use the card to establish a positive credit history and then move up to a better card (and get your deposit back). One note: This card is for people just starting out with credit, rather than people with bad credit from past mistakes. Read our review.

Our pick for: Wholesale club shoppers

The Costco Anywhere Visa® Card by Citi turns everyday spending into rewards you can redeem at Costco (although you can only redeem them once a year). You earn bonus rewards on gas, at restaurants, on travel and at Costco itself. There's no annual fee for the card, but you have to be a Costco member (which does require a fee). Read our review.

Other cards issued by Citi

Citi issues branded credit cards in partnership with American Airlines. Learn more about these cards by reading the reviews linked below:

Last updated on February 12, 2021

Methodology

NerdWallet's credit cards team selects the best cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen in multiple categories.