Best of

Best Citi Credit Cards of 2019

NerdWalletMay 23, 2019

At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.

NerdWallet's Best Citi Credit Cards of 2019

Our pick for

Cash-back rewards

Citi® Double Cash Card

on Citibank's application

4.3

NerdWallet rating 

on Citibank's application

Annual Fee

$0

Regular APR

15.74% - 25.74% Variable APR

Intro APR

0% on Balance Transfers for 18 months

recommended credit score

The Citi® Double Cash Card – 18 month BT offer offers one of the highest flat cash-back rates available. You get 2% back on everything you buy: 1% when you make purchases and 1% when you pay them off. The introductory 0% APR period for balance transfers also appeals to anyone looking to consolidate credit card debt.

Our pick for

0% APR period for transfers

Citibank Simplicity Credit Card

on Citibank's application

3.6

NerdWallet rating 

on Citibank's application

Annual Fee

$0

Regular APR

16.24% - 26.24% Variable APR

Intro APR

0% on Purchases for 12 months and 0% on Balance Transfers for 21 months

recommended credit score

The Citi Simplicity® Card - No Late Fees Ever offers an introductory APR of . That's a no-interest window on balance transfers of nearly two years, which is best in class. The card also stands out for its lack of late fees.

Our pick for

General travel rewards

Citibank ThankYou Premier Credit Card

on Citibank's application

2.9

NerdWallet rating 

on Citibank's application

Annual Fee

$95

Waived first year

Regular APR

16.74% - 25.74% Variable APR

Intro APR

N/A

recommended credit score

The rewards on the Citi Premier℠ Card are generous. It earns 3X points on travel, including at gas stations; 2X points on dining and entertainment; and 1 point per dollar on all other purchases. It also offers a good sign-up bonus: Earn 50,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening.

Our pick for

Wholesale shoppers

Citibank Costco-Anywhere Visa Card Credit Card

on Citibank's application

3.7

NerdWallet rating 

on Citibank's application

Annual Fee

$0

Regular APR

17.49% Variable APR

Intro APR

N/A

recommended credit score

If you’re already a Costco member and spend a lot on gas, restaurants and travel, the Costco Anywhere Visa® Card by Citi could make a lot of sense for you. And it can be used anywhere, not just at Costco.

Our pick for

College students

Citi Rewards+℠ Student Card

on Citibank's application

3.8

NerdWallet rating 

on Citibank's application

Annual Fee

$0

Regular APR

16.74% - 26.74% Variable APR

Intro APR

0% on Purchases for 7 months

recommended credit score

The Citi Rewards+℠ Student Card is a good fit for students who don't spend a ton of money. Its unique "round up" feature means small purchases earn outsize rewards.

Our pick for

Newcomers to credit

Citibank Citi® Secured Mastercard® Credit Card

on Citibank's application

4.0

NerdWallet rating 

on Citibank's application

Annual Fee

$0

Regular APR

24.74% Variable APR

Intro APR

N/A

recommended credit score

The Citi® Secured Mastercard® is a low-hassle card: Get it, use it to build credit, then move up to a product with better terms.

Last updated on May 23, 2019

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.
We want to hear from you and encourage a lively discussion among our users. Please help us keep our site clean and safe by following our posting guidelines, and avoid disclosing personal or sensitive information such as bank account or phone numbers. Any comments posted under NerdWallet's official account are not reviewed or endorsed by representatives of financial institutions affiliated with the reviewed products, unless explicitly stated otherwise.