All Citi Credit Cards
Citi offers 17 credit cards, spread across six categories: Rewards, Travel, 0% Introductory APR, Balance Transfer, Cash Back, and Business. In other words, Citi Credit Card offers can meet the needs of any user. We present them to you below.
Citi Rewards+ Card
- What type of card is it? Rewards, as its name indicates, and Zero Annual Interest.
- Who is it addressed to? to the average consumer.
Marketed as the “only card that automatically rounds up to the nearest 10 points on every purchase,” the Citi Rewards+ Card has a low introductory APR and no annual fee.
Within the first three months of receiving your card, you’ll earn 15,000 bonus points after spending $1,000. Likewise, you will earn 2 points for every dollar spent at service stations and supermarkets. Applies to the first $6,000 spent each year. From there, you will receive 1 point for each dollar.
You can redeem the points for gift cards, also for flights, hotels, or cruises. You can also shop online at BestBuy.com and Amazon.com.
CITI REWARDS+ CREDIT CARD
Interest Rate/APR: 13.49% variable
Annual commission/fee: \$ 0
Balance Transfer fee: $5 or 5%
Credit Level: Excellent
It’s for you if: You have excellent credit and make small purchases daily.
Card type: Recompensas / Rewards, No Annual Fee / No Fee
Citi Simplicity® Credit Card
- What type of card is it? No annual rate (no fee), transfer balance.
- Who is it addressed to? To those who have debt on another card and wish to transfer it
We can affirm that the main characteristic of this card is that it does not generate charges for late payments ( no late fees ). Neither will you receive a penalty fee or the annual charge, the well-known annual fee.
It is a good option if you have a debt on another card whose interests are high since it allows you to transfer the balance. The transferred balance will not generate APR for the first 21 months. After this time, the annual percentage rate will vary between 14.74% and 24.74%.
Please note that the balance transfer will incur a fee of $5 or 5% of the amount transferred, whichever is greater.
CITI SIMPLICITY CREDIT CARD
Interest rate/APR: 14.74% variable
Annual commission/fee: \$ 0
Balance Transfer fee: $5 or 5%
Credit Level: Good, Excellent
It is for you if: You have excellent credit, you have a debt that will take time to pay and you are not punctual with payments.
Type of card: No Annual Fee / No Fee, Balance Transfer / Balance Transfer
Citi Premier℠ Credit Card
- What type of card is it? Travels.
- Who is it addressed to? Frequent travelers with significant expenses in hotels and entertainment.
Characterized because it rewards expenses for trips, dinners at restaurants, daily purchases, and vacations, with the Citi Premier you earn 60,000 bonus points after making $4,000 in purchases within the first 3 months of having your card.
Earned points don’t expire and can be redeemed for just about anything, including gift cards, Amazon.com, and BestBuy.com purchases. Depending on your creditworthiness, the APR varies between 15.99% and 23.99%. The annual fee is $95.
Choose this card if you’re a frequent traveler who spends on restaurants and entertainment, or if you tend to vacation frequently.
CITI PREMIER CREDIT CARD
Interest Rate/APR: 15.99%
Annual commission/fee: \$ 95
Balance Transfer fee: $5 or 3%
Credit Level: Excellent
It’s for you if: You have excellent credit and are a frequent traveler who spends heavily on travel, hotels, and entertainment.
Type of card: Trips / Travel
Citi Prestige® Credit Card
- What type of card is it? Travels.
- Who is it addressed to? People with excellent credit, with a high level of spending on travel and restaurants.
Designed for avid travelers, the Citi Prestige includes several benefits for this category of user. They range from lounge access through the Priority Pass Select program to a reward of $250 in travel credit each year.
After you spend $4,000 within 3 months of starting your account, you earn 50,000 bonus points. These points can be redeemed for $500 in travel, at any time. You must book through the ThankYou Travel Center.
The purchase rate will vary according to your creditworthiness. It ranges from 16.99% to 23% APR. The annual fee isn’t cheap: $495.
CITI PRESTIGE CREDIT CARD
Interest Rate/APR: 16.99%, variable
Annual commission/fee: \$ 495
Balance Transfer fee: $5 or 3%
Credit Level: Excellent
It’s for you if: You are a frequent traveler with excellent credit and your travel expenses are mainly for tickets, agencies, and restaurants.
Type of card: Trips / Travel
Costco Anywhere Visa® Credit Card by Citi
- What type of card is it? It is a card of the class without an annual fee and cashback.
- Who is it addressed to? To people with a Costco membership and excellent credit.
As its name implies, the most you can get from this card comes from your purchases at Costco. This is a card designed exclusively for Costco members.
With your membership payment at Costco, you will not have to pay an annual fee. The interest rate is 15.24%. Includes protection against damage or theft. Under this protection, you can get a refund if purchases you made with the card are damaged or stolen within 120 days of purchase. If you are a resident of New York, this period is reduced to 90 days.
COSTCO ANYWHERE VISA CREDIT CARD
Interest Rate/APR: 15.24% variable
Annual commission/fee: \$ 0
Balance Transfer fee: $5 or 3%
Credit Level: Excellent
It’s for you if: You have a Costco membership and have excellent credit.
Type of card: Recompensas / Rewards, No Annual Rate / No Fee, Return Money / Cash Back
AT&T Access From Citi Credit Card
- What type of card is it? Rewards-type, no annual fee, and balance transfers.
- Who is it addressed to? To those whose credit history goes from good to excellent.
This card works well for your online purchases on retail and travel websites, as you earn points for it. Specifically, you receive 10,000 points after making purchases of $1,000. You must do it within the first three months of having the card.
The purchase interest rate varies, depending on your creditworthiness, between 13.99% and 22.99%. However, you do not have to pay an annual fee.
This card offers you other benefits that are worth mentioning. For every dollar you spend on purchases made online, at eligible sites, you’ll earn 2 points. You’ll also earn 2 points for every dollar you spend on products and services purchased directly from AT&T.
AT&T ACCESS CREDIT CARD
Interest Rate/APR: 13.99% – 22.99% variable
Annual commission/fee: \$ 0
Balance Transfer fee: 13.99% variable
Credit Level: Good, Excellent
It is for you if: If you make more purchases than consume experiences
Type of card: Recompensas / Rewards, Without Annual Rate / No Fee, Transfer Balance / Balance Transfer
Citi® Credit Card / AAdvantage® Platinum Select® World Elite™ Mastercard®
- What type of card is it? Travel and reward.
- Who is it addressed to? To American Airlines travelers.
The AAdvantage Platinum Select World Elite Mastercard rewards you through the mileage system. Thus, if in the first 3 months after the card is assigned you make purchases for more than $2.50, you will earn 50,000 bonus miles.
The annual fee for this card is $99. However, the first 12 months are exempt. The rate ranges from 15.99% to 24.99%, depending on your creditworthiness.
This is a suitable card for the traveler who regularly uses American Airlines. It includes, in addition to what has already been mentioned, benefits such as preferential boarding, 25% discounts on certain purchases of food and beverages during the flight and on domestic itineraries, the first baggage check is free.
CREDIT CARD AADVANTAGE PLATINUM SELECT WORLD ELITE MASTERCARD
Interest Rate/APR: 15.99% – 24.99% variable
Annual commission/fee: \$ 99
Balance Transfer fee: $5 or 3%
Credit Level: Good, Excellent
It’s for you if: You’re interested in getting American Airlines flight benefits
Type of card: Recompensas / Rewards, Viajes / Travel, Miles with Airline/Airline Miles
American Airlines AAdvantage® MileUp℠ Mastercard® Credit Card
- What type of card is it? Reward and trips; you earn miles
- Who is it addressed to? To the user of American Airlines.
This card is characterized by rewarding you with 10,000 miles and a $50 statement credit. To qualify, you must make purchases of $500 or more within the first 3 months of receiving your card.
There are no limits to the number of miles you can earn. You can redeem your miles for car rentals, hotel stays, or vacation packages, to name a few. There are no limits to the number of miles you can earn.
Expedia® Rewards from Citi Credit Card
- What type of card is it? It’s a reward, a travel card with no annual fee.
- Who is it addressed to? To Expedia users with excellent credit.
Expedia Rewards allows you to earn points that you can redeem for travel rewards like flights and hotels. After you spend $1,000 on purchases within 3 months of getting the card, you’ll earn 15,000 bonus points.
The interest rate will vary according to your credit history. It can go as high as 22.99%, and as low as 14.99%. You can earn unlimited points, although you must use them before 18 months.
EXPEDIA REWARDS CREDIT CARD
Interest Rate/APR: 14.99%, variable
Annual commission/fee: \$ 0
Balance Transfer fee: $5 or 3%
Credit Level: Excellent
It’s for you if: You regularly plan your trips on Expedia, have excellent credit, and are on a budget.
Type of card: Recompensas / Rewards , No Annual Rate / No Fee , Viajes / Travel
Expedia® Rewards Voyager from Citi Credit Card
- What type of card is it? It’s a travel card.
- Who is it addressed to? To frequent travelers with a credit history that goes from good to excellent.
Rewarding you through the points system, this card has an annual fee of $95 and an interest rate that ranges from 13.99% to 21.99%.
You’ll earn 25,000 bonus points after you spend $2,000 within the first three months of getting the card. You will also receive anniversary bonuses. This is 5,000 points for each year, as long as you have spent $10,000 in that year.
EXPEDIA REWARDS VOYAGER CREDIT CARD
Interest rate/APR: 13, 99% variable
Annual commission/fee: \$ 95
Balance Transfer fee: $5 or 3%
Credit Level: Good, Excellent
It’s for you if: You are a frequent traveler who plans your trips with Expedia and has a good credit history.
Type of card: Trips / Travel
CitiBusiness® Credit Card / AAdvantage® Platinum Select® Mastercard®
- What type of card is it? It is a business card, with no annual fee for the first year.
- Who is it addressed to? Those with good to excellent credit regularly fly with American Airlines.
Through this card, your company‘s travel and related expenses will earn miles and other rewards. So after you spend $4,000 in the first 4 months you have the card, you’ll earn 70,000 miles.
An important aspect for international travelers is that this card will not charge you for foreign transactions.
The annual fee is $99, but the first year is exempt. The APR is variable, based on your creditworthiness, with the lower limit being 15.99% and the higher limit being 24.99%.
On your trips, you will have additional benefits. Among others, the first baggage check will be free, you will get a 25% saving on Wi-Fi on board the plane and you will have boarding priority.
CITI BUSINESS CREDIT CARD AAdvantage PLATINUM SELECT WORLD MASTERCARD
Interest Rate/APR: 15.99% variable
Annual commission/fee: \$ 99 after the year
Balance Transfer fee: Does not apply.
Credit Level: Good, Excellent
It’s for you if: You fly frequently on American Airlines and have a good credit history.
Type of card: No Annual Fee / No Fee, Business / Business, Miles with Airline / Airline Miles
Costco Anywhere Visa® Business by Citi Credit Card
- What type of card is it? It is a business card, with money back and no annual fee.
- Who is it addressed to? To small businesses that shop at Costco and have good to excellent credit.
As a business card, your company will receive cashback on certain purchases. Applies for operations carried out anywhere Visa is accepted.
The rebate will be in cash and up to 4% on eligible purchases. It is suitable for both business and pleasure trips. There is no annual fee, but do not forget that to apply for this card you must have a Costco membership.
Nor will you have to pay a fee for your transactions abroad.
COSTCO ANYWHERE VISA BUSINESS CREDIT CARD
Interest Rate/APR: 15.24%, variable
Annual commission/fee: \$ 0
Balance Transfer fee: Does not apply.
Credit Level: Good, Excellent
It’s for you if: You’re an entrepreneur who makes large purchases at Costco and you have good credit
Type of card: Without Annual Rate / No Fee, Return Money / Cash, Business / Business
Citi® Secured Mastercard® Credit Card
- What type of card is it? It is a credit construction card, with no annual fee and that supports balance transfer.
- Who is it addressed to? To those who do not have a good credit history and want to build a better one.
The Citi Secured Mastercard is designed for you to build a credit history. It is an option for you if you want to establish your credit because you do not have a credit history or if you better pursue the one you already have.
If you have this card, the best mechanism to achieve your goals is to make your usual purchases and pay your bills on time.
As a card aimed at building your credit, the Secured Mastercard has a high-interest rate: 22.49%. However, there is no annual fee.
For the segment to whom it is addressed, there will be a review of your income and your debts. Also, Citi requires you to post a deposit, which they call security, in the amount of your credit limit. This is an amount that can range between 200 and 2,500 dollars.
CITI MASTERCARD SECURED CREDIT CARD
Interest Rate/APR: 22.49%, variable
Annual commission/fee: \$ 0
Balance Transfer fee: $5 or 3%
Credit Level: Poor, Fair
It’s for you if: You want to build your credit history without committing to paying an annual fee.
Type of card: No Annual Fee / No Fee, Balance Transfer / Balance Transfer
Citi Rewards+℠ Student Credit Card
- What type of card is it? It’s a student, rewards, cashback card with no annual fee.
- Who is it addressed to? To students who start their expenses.
Of the Citi credit cards, this is the perfect one for students starting to spend. In addition to this feature, it is characterized in that it is the only card that automatically rounds up to the nearest 10 points on each purchase.
The reward applies to any type of purchase, including things for school and fun. You’ll earn 2,500 points after you spend $500 on purchases within the first three months of getting the credit card.
You can exchange your points for a variety of things, including gift cards, vacation pay, etc. It is important to note that during the first 7 months of having your card, the APR is 0%. After that period, it will vary between 14.49% and 24.49%. This swing will be based on your creditworthiness.
REWARDS+STUDENT CREDIT CARD
Interest rate/APR: 14.49% – 24.49% variable APR
Annual commission/fee: \$ 0
Balance Transfer fee: 14.49% – 24.49% variable APR
Credit Level: Good
It is for you if: If you are a student and you are starting to be a small spender.
Type of card: Recompensas / Rewards, No Annual Rate / No Fee, Regresan Dinero / Cash Back, Estudiantes / Students
Citi Rewards Program
QUOTE YOUR CARD IN 1 MINUTE
Under the premise of rewarding yourself for the things you do every day, the Citi credit card rewards program rests on two pillars. Programs called Citi ThankYou Rewards and Citi Cash Back.
Through the Citi ThankYou Rewards program, you earn points when you bank with the bank. They apply operations with bank accounts and with credit cards themselves.
- You must be a citizen or resident alien. And that you have a valid US taxpayer identification number.
- You must enroll the eligible checking account in the program.
- You can enroll in this program the checking accounts you have from the Citi Private Bank Account, Citigold Account, Citi Priority Account, or Citibank Account Packages.
For its part, the Citi Cash Back program rewards you twice. You earn, on each purchase, 1% of the amount of the operation and then, at the time you pay, another 1%.
- To qualify for a return, you must make at least the minimum payment and you must do so on time.
- You’ll get cashback whether you pay in full or get financed.
- There are no limits on the return that Citi will make to you. There are also no excluded shopping categories.
- You can receive your reward as a credit to your account, as a direct deposit, or by check. You can also convert it to points.
You can exchange points for almost anything. This includes gift cards from your preferred retailer, for cash, or travel rewards.
In general, you can use the points already earned to pay bills through their online bill payment option. However, you cannot use them to make payments to any of your accounts with Citibank or any affiliate. Nor can you use the points to make recurring or express payments.
It is important to note that points generated through the Citi ThankYou Card do not expire. There are also no limits when it comes to the points you can earn.
Other Benefits of being with Citi
In addition to the rewards, which we have talked about in the previous section, Citi credit cards offer you another series of benefits. Some are aimed at saving you money, such as the Citi Private Pass. Others consist of special offers that offer you some comfort, boost savings, etc.
Thus, as a bank cardholder (a benefit that is also extended to debit cardholders), through the so-called Citi Private Pass, you have access to live shows. Includes music and sporting events. You also have access to restaurants, family entertainment, and more.
Offers change regularly. The best way to take advantage of them is to stay tuned.
Security
Citi credit cards have a series of measures and tools aimed at protecting you from identity theft and other security risks.
In the case of identity theft, the City has a system for this purpose, A team of specialists will guide you step by step throughout the process. You must call 1-800-950-5114.
Fraud detection and early warning, meanwhile, seek to anticipate fraud or unauthorized use of your credit card. This is permanent monitoring of customer accounts, which can detect suspicious activity on your card and notify you.
Another tool that Citi has at your disposal is the so-called Citi Quick Lock. It is a mobile and web application, which you can access through your smartphone or the internet. If you lose your card, you access the Citi Quick Lock and your card will be blocked. From that moment, no new purchases or cash advances can be made. You do not need to change your card number or request a new one. When you find it, if it is the case, you can easily unlock it.
In terms of customer guarantee, Citi will exempt you from the payment of those charges on your credit card for transactions that were not authorized by you. You must report promptly, as soon as you discover it, to use this benefit.
Offices and customer service
In this section, we provide you with information about the means you have to communicate with the bank about your Citi Credit Card.
If you want to communicate in Spanish, just dial option 2 when using any of the telephone numbers that we have provided below.
Physical offices
Citi has more than 700 offices in the United States, so if you need to go to a physical location, you should have no problem. Simply enter here and the system will indicate the nearest office.
However, below we provide you with some of the main offices where you can deal with any matter related to your Citi Credit Card:
- New York: Pace Plaza, 1 Pace Plaza, New York 10038.
- New York: City Hall, 250 Broadway, New York 10007.
- Los Angeles: Echo Park, 1900 Sunset Blvd, Los Angeles, CA 90026.
- Miami: Brickell, 502 Brickell Ave, Miami, FL 33131.
- Texas: Walgreens, 15111 Wallisville Rd, Houston, TX 77049.
Account Statements and Payment Methods
Checking the statement of any of your Citi credit cards online is easy. Start section and then click on the “View account summary” option. Then in “Choose credit card” (“Choose credit card”) and that’s it, you will have accessed your account statement.
You should know that you have the option to receive your monthly account statement in your email. For this, you must register.
As for payment, let’s start by clarifying two dates: the billing cycle date and the payment due date.
The billing cycle date is the date the statement is generated each month. On the other hand, the expiration date is the one in which the payment must be credited to your card. This is so that your account remains inactive status and you do not receive charges for late payments. In this sense, you can choose, each month, to pay the totality of what you have consumed or only the so-called minimum payment.
How to Apply for a Citi Card: Requirements
The requirements to apply for one of the Citi credit cards depend on the type of card you are applying for. As we have seen, Citi has 6 classes of cards: reward, travel, and balance transfer cards as well as 0% interest, cashback, and business cards.
For example, if you want one of the Citi business credit cards, you need to be in that field.
Apart from requirements of this type, which attend to the peculiarity of the card, the general requirements to apply for a Citi card are the following:
- You must provide your basic information (names and surname, home address, etc.). You must provide at least one phone number.
- Provide your Social Security Number. Remember this will be used to review your credit history with the National Credit Bureau.
- The financial information, at least to complete your application, is pretty basic. You must write down your total annual income, the amount to pay monthly for mortgages or leases, and if you have a checking, savings, or Money Market account.
We recommend that before starting your online application, you have all the information that will be requested. Once you have it, follow the steps below.
First, determine which of the different cards you are interested in. Clicking here will take you to a view of all the bank’s cards, which as of the date of writing this article are 17.
You see in the image that you can make comparisons between the different cards.
Second, go to the page of the card you are interested in, clicking on “Learn More & Apply” (“Learn more and apply”). Once on the page, click on “Apply Now” and you will be taken to the application form.
Third, fill out the form. It’s pretty simple. Do it carefully, as a mistake can delay the response.
Other ways to access the status of your application are through the phone number you provided in the application or through your ZIP Code plus your date of birth. For these options, click where we have marked you with a rectangle.
Opinions and Ratings about Citi
Citi is a division of Citigroup, which ranks third on the list of the largest banks in the United States. It is one of nine global investment banks in the Bulge Bracket and is ranked No. 30 on the Fortune 500 list.
Citigroup received a bailout from the US Treasury during the 2007-2008 financial crisis. However, in 2010 it finished repaying those loans in full. It is worth mentioning that Citigroup is one of the systemically important banks, commonly known as “too big to fail”, that is, too big to fail.
- The Citi tops Forbes list, dubbed “The Best Credit Cards of 2020.” He filled this spot with his Citi Double Cash Card.
- A JD Power credit card satisfaction study ranks Citi credit cards in eighth place. I had a satisfaction index of 797 points. To give you perspective, we indicate that the one that topped the list had 870 points. The study was published in Nerdwallet.
- On the Trustpilot portal, Citi has two stars out of five. Trustpilot is probably the most powerful review platform in the world. For its part, in the Consumer Affairs portal, Citi receives one star out of five. This score is based on 264 ratings submitted in the last year.
- The city’s Facebook page has 1,194,809 followers at the time of writing this article. Its community is not active and there are no evaluations of the experience of users and customers.
