What is the accepted credit score range for most cards?

For most Citi credit cards you need a good to excellent credit score as defined by FICO. This is a score of at least 670. However, when you apply for a Citibank credit card, you stand a better chance of approval with a credit score of 700 or more.

How many cards can you own?

You can have an unlimited number of Citi cards. Citibank does not limit the number of cards you can have as long as you meet the requirements for approval for each.

How many times can you apply?

Citi follows the 8/65/95 rule meaning that you can only apply for one Citi card within eight days, a maximum of two cards in a 65-day period and only one Citi business card in a 95-day period.

How many times can you get approved?

Citi does not limit the number of times or credit cards you can be approved for. However, there are stipulations on how many times within a given period you can apply for a credit card, with a minimum of eight days required between applications for personal credit cards.

How many times can you claim a welcome bonus?

Different Citibank cards have different welcome bonus restrictions. Some cards have a 24 month waiting period for welcome bonuses, while others have a 48 month waiting period. Many of these restrictions are based on the "family" of cards, such as American Airlines AAdvantage or ThankYou Points. Which means that you are not eligible for a welcome bonus if you're received a bonus from any card in that family during the exclusion period.

Citibank Credit Card Reviews, Rules & Opinions

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

Citibank credit card offerings include reward, business, balance transfer, travel, cashback and student credit cards. Citi also offers co-branded cards with organizations like Costco and American Airlines.

Citibank card benefits range from generous reward programs and cashback rates to lengthy balance transfer periods and perks like access to Citi Entertainment. However, you will need a good to excellent credit score of 670 or higher to be approved for most Citibank credit cards.

ON THIS PAGE:

Different Card Offerings from Citibank
Rules for Applying, Acceptance & Welcome Bonuses
Other Considerations for Citibank
Overall Opinion of Citibank & Card Offerings

Featured Credit Cards Offered by Citibank

Citibank’s credit card portfolio consists of 14 credit card options that include business, rewards, balance transfer, travel, co-branded and cashback credit cards.

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Other Cards Issued by Citi

Citibank’s portfolio also includes these cards:

Citi Custom Cash℠ Card: This cashback card has no annual fees and earns 5% cashback on your highest spending category plus 1% on all other purchases.
Citi Simplicity Credit Card: This balance transfer card has a 21 month 0% introductory APR, no annual fees or penalty fees and is a great choice for those who want to pay off debt from other credit cards.
AT&T Access Credit Card From Citi: This rewards card is offered in partnership with AT&T and rewards cardholders 3 points per dollar spent at AT&T.

>>MORE: WHAT IS THE CITI TRIFECTA & IS IT STILL WORTH IT?

The Best Citibank Credit Cards in 2023

With cards offering options of no annual fees, 0% introductory fees and varying reward rates, Citibank offers consumers and businesses credit cards to suit different profiles and needs.

Costco Anywhere Visa® Card by Citi
One of the best cards available for Costco members who spend a lot on gas
- 1–4% Cash Back*Rewards Rate
- 20.49% VariableAPR
- $0Annual Fee
- ExcellentRecommended Credit
We recommend the Costco Anywhere Visa® Card by Citi to Costco members who want to earn higher than usual cash back across specific categories. You earn 4% cash back on the first $7,000 you spend toward eligible gas purchases (including gas at Costco), 3% cash back on restaurants and eligible travel purchases, and 2% cash back on all other purchases from Costco and Costco.com.
You pay no annual fee to use this card. It’s ideal for use outside of the U.S. too, as it comes with no foreign transaction fee. Damage and theft protection work as a safeguard for purchases made using this card. Cardholders also get access to Citi Entertainment.
Pros
Generous reward program for gas purchases, travel and restaurant expenses
No foreign transaction fees
No annual fee for Costco members
Purchase protection for all purchases made using this card

Cons
Limited reward redemption options
No welcome bonus
Requires Costco membership
Earn 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
Earn 3% cash back on restaurants and eligible travel purchases
Earn 2% cash back on Costco and Costco.com purchases
Get purchase protection on all your purchases
Get cash back as an annual credit card reward certificate redeemable for cash or merchandise at any U.S. Costco warehouse
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Terms, rates and fees apply
Compare this credit card with other top-rated cards from our partners.

More: Read Our Full Review of Costco Anywhere Visa® Card by Citi

Citi Premier® Card
An excellent travel rewards card for international use
- 1–3 Points per $1Rewards Rate
- 21.24% – 29.24% VariableAPR
- $95Annual Fee
- ExcellentRecommended Credit
We feel the Citi Premier® Card is a great alternative for travelers not just because of its generous sign-up offer but also because it lets you transfer your reward points to different airline loyalty programs.
As a new cardholder, you may earn 60,000 bonus points by spending $4,000 in the first three months. You earn 3X points per $1 for spending on flights and hotels, at restaurants, at supermarkets and at gas stations. All other purchases come with 1X points. Plus, for a limited time, earn a total of 10 ThankYou® points per dollar spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel portal through June 30, 2024.
Transferring your points to popular frequent flyer programs such as Virgin Atlantic Flying Club, JetBlue TrueBlue and Emirates Skywards is an option, and you pay no extra fee.
Having to pay no foreign transaction fees when you use this card outside of the U.S. is great. You also get $100 off a single hotel stay that costs $500 or more (excluding taxes and fees) once every year. You may offset the card's $95 annual fee by using this benefit alone.
Getting additional cards for authorized users comes at no extra cost and gives you the ability to earn points faster.
Pros
Opportunity to earn a sizeable sign-up bonus
3X points for travel purchases and on a few other categories
No foreign transaction fees
Transfer points to popular frequent flyer programs or redeem them in other ways
$100 hotel savings benefit each year

Cons
Annual fee of $95
No complimentary insurance
No purchase protection
Cash advance and balance transfer fees
Penalty APR may apply in case of a late or returned payment
Earn 60,000 bonus points if you spend $4,000 on purchases in the first three months (valued at $600 when you redeem them for gift cards).
Earn 3X points on air travel, on hotel bookings, at gas stations, at supermarkets and at restaurants.
Earn 1X points on all other purchases.
Get $100 off a hotel stay of $500 or more (excluding fees and taxes) when you book through thankyou.com (online or over the phone).
Transfer your points to airline loyalty programs such as Aeromexico, Asia Miles, Avianca LifeMiles, Emirates Skywards, Etihad Guest, Flying Blue, InterMiles, JetBlue TrueBlue, Malaysia Airlines Enrich, Qantas Frequent Flyer, Qatar Privilege Club, Singapore Airlines, Thai Royal Orchid Plus, Miles & Smiles and Virgin Atlantic Flying Club.
Other ways to redeem your points include getting gift cards, shopping online, paying for travel, getting statement credits, making online bill payments and making charitable donations.
Pay no foreign transaction fees when you use this card internationally.
Additional cards come with no annual fees.
Access to Citi Entertainment gives you the means to buy tickets to various events as well as presale tickets.
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Terms, rates and fees apply
Compare this credit card with other top-rated cards from our partners.

More: Read Our Full Review of Citi Premier® Card

Citi® Diamond Preferred® Card
Best balance transfer card for immediate transfers
- 0% Intro APR (then variable APR)Balance Transfer Offer
- 21 monthsBalance Transfer Duration
- 18.24% – 28.99% VariableAPR
- $5 or 5%, whichever is greaterBalance Transfer Fee
- ExcellentRecommended Credit
The Citi® Diamond Preferred® Card is a leading choice for those needing to manage debt or finance large purchases, thanks to its impressively long 21-month intro APR offer on balance transfers. It also offers a somewhat less impressive 12 months on purchases (both offers followed by variable APR of 17.99% to 28.74%). This card is particularly attractive for its no annual fee and opportunity to access Citi Flex Loans, a potentially convenient way to borrow against your credit limit (restrictions apply). Adding a touch of luxury, it opens the door to VIP experiences at dining, sports events, and concerts. Moreover, it extends value by offering access to City Easy Deals, a platform for availing exclusive discount offers.
Pros
Lengthy 0% intro APR offer on balance transfers
No annual fee
Potential for access to Citi Flex Plan

Cons
High balance transfer fee
Short 0% intro APR offer on purchases
No ongoing rewards program
0% introductory APR on balance transfers for 21 months and 0% APR on purchases for 12 months, (followed by 17.99% – 28.74% variable APR)
Balance transfer fee of 5% or $5 minimum, whichever is greater
No annual fee
Access to Citi Flex Loans (by invitation) - borrow against your credit limit at fixed rate and payback period with no fees, application process or hard credit inquiry
Early or VIP access to exclusive dining, sports events and concerts through Citi Entertainment
Access to City Easy Deals for discount offers
Terms, rates and fees apply
Compare this credit card with other top-rated balance transfer cards at CardRatings.com.

More: Read Our Full Review of Citi® Diamond Preferred® Card

Rules for Applying, Acceptance & Welcome Bonuses

If you want to apply for a Citibank credit card, it is important to consider factors such as your credit score. It is also important to understand Citi’s policies on multiple credit card applications, bonuses and approval processes.

Other Considerations About Citibank

Aside from benefits and fees, it is also important to consider factors such as user experience and customer satisfaction before choosing a Citi credit card.

Feature	Description
Customer Service & Satisfaction	Citi received a J.D Power customer satisfaction rating of 805, ranking sixth among national issuers in a 2021 survey. Citi bank offers cardholders 24-hour customer service via telephone. You can also manage your credit card account online or using the Citi mobile app.
Mobile Apps & Online Services	Citi’s mobile app allows users to make bill payments, check transaction history, set up account activity notifications, activate a new card and manage their accounts with just a few taps. It is available for both Apple and Android devices. According to a J.D Power 2021 Mobile Banking App Satisfaction Study, Citi ranks sixth among national issuers with a score of 856 out of 1000.
Security & Credit Monitoring Services	As a Citi customer, you can automatically use Citi Identity Theft Solutions for free. This identity theft protection provides personal support and cardholders are not held liable for any fraudulent transactions made on their Citi cards. Additionally, the Citi Quick Lock feature accessible through Citi's website and mobile app lets you lock your lost or stolen credit card.
Loyalty Programs & Other Issuer Perks	Citi’s credit card portfolio includes multiple cards that earn ThankYou Rewards points that can be redeemed for cash back, gift cards, travel and hotel accommodation. Citi ThankYou Points can be transferred to 18 airline and hotel loyalty programs at no charge. Citi also offers cards that include cash back rewards based on partnership with airlines and other partners. Select Citi credit cards even come with access to Citi Entertainment, which gives cardholders presale and VIP access to various events.
Authorized Users	Citi allows the primary cardholder to add anyone as an authorized user on their Citi credit card. Most Citi cards allow you to add authorized users for no additional charge. There is no minimum age requirement for an authorized user, so children can also be added to your Citi credit card. However, Citibank does not allow you to set spending limits for authorized users on most of their cards. Authorized users have access to the same benefits that primary cardholders have depending on the particular Citi credit card. That said, purchases made by authorized users on your card will earn you reward points, but only the primary cardholder can redeem those rewards.
Purchase Protection	Citi offers cardholders 90-day purchase protection where Citi may refund the purchase price up to $300 per item and $1,000 per year provided the item was paid for in full with your Citi card or ThankYou Points. You also receive extended warranty protection for purchases made with your Citi credit card for a period of up to 24 months. Depending on the particular Citi card, you may also get worldwide travel accident insurance, trip cancellation protection and worldwide car rental Insurance.
Co-Branding & Partnerships	Citi has co-branded credit cards with several organizations, including American Airlines Best Buy ConocoPhillips Costco ExxonMobil The Home Depot Sears Shell Oil Staples
Other Products Offered	Apart from credit cards, Citi’s portfolio of products and services also includes personal banking, mortgage, home equity, lending, investment products and wealth management.

Overall Opinion of Citibank & Their Credit Card Offerings

Citibank offers a wide variety of credit cards that may fit the needs and preferences of different consumer profiles. Citi’s reward and cash back credit cards offer competitive rewards that can help users earn rates that might benefit businesses and consumers who are looking for low-cost rewards cards. Citi also offers generous welcome bonuses as well as introductory APRs that are ideal for those looking to pay down debt and save on interest charges.

Citi cards are worth considering if you fit any of the following profiles:

You are paying down debt
The Citi Simplicity card has a 0% introductory APR for 21 months and no annual fees. It is ideal if you want to pay down debt on other credit cards.
You are a small to medium-sized business that frequently uses American Airlines
Citi cards like the CitiBusiness/AAdvantage Platinum Select Mastercard and the Citi/AAdvantage Platinum Select World Elite Mastercard allow you to earn rewards on business expenses and receive convenient travel perks.
You are looking for a cashback card with no annual fees
Citi’s Double Cash Credit Card earns a 2% flat-rate cash back reward on all purchases and comes with flexible redemption options. This card has no annual fees meaning you can get maximum value for your rewards.

EXPERT OPINION

"Citibank offers a variety of attractive credit cards for both consumer and small business customers. Citi ThankYou Points offer tremendous value when transferred to partners and its co-branded partners can save both money and time with valuable benefits. Small business owners can maximize their rewards by getting both the business and personal versions of their co-branded cards."

- Lee Huffman, credit card expert at BaldThoughts.com

Still Not Sure About This Issuer? Consider These Options.

Citi is one of the top national credit card issuers in the U.S with a solid portfolio of credit card options offering a wide range of benefits and rewards. However, if you are still undecided, you can check out other issuers such as American Express and Chase for more credit card options.

Learn More About Credit Cards in General

sources

Citi.com. "Citibank Rewards and Offers." Accessed January 11, 2022.
Citi.com. "Services." Accessed January 11, 2022.
Citi.com. "ThankYou From Citi." Accessed February 9, 2022.
Citi.com. "View and Compare All Credit Cards." Accessed January 11, 2022.
Citi.com. "Your Guide to Protection Benefits." Accessed January 11, 2022.
CloudApp. "Citi Premier® Card." Accessed February 9, 2022.
NerdWallet. "Your Guide to Citi’s 48-Month Rule." Accessed January 11, 2022.
J.D Power. "2021 U.S. Banking and Credit Card Mobile App Satisfaction Survey." Accessed January 11, 2022.
J.D Power. "2021 U.S. Credit Card Satisfaction Survey." Accessed January 11, 2022.

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
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