Citi Credit Card Offers: Applications & Reviews

By Christina Majaski. Last updated 11 October 2018. 0 comments

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Citibank has a long history of providing a number of financial products from bank accounts to credit cards that offer a variety of rewards programs. Their credit cards award points and cash back for different types of purchases ranging from everyday purchases to travel and others. In many cases, these cards include additional benefits for those who bank with Citi. Whether you are already a Citi customer or plan to become one, there’s a good chance you’ll find a credit card that suits your needs among Citi’s many options.

How to Apply for Citibank Credit Cards

Citi makes it simple and easy to research each of its products, with the option to apply for its credit cards online. This is convenient, especially if you aren’t sure which of the cards is best for your spending. You can compare the cards against each other before making your final decision and applying. In most cases, you will know if you've been approved within a matter of minutes.

Top Citi Credit Card Application Offers

Many of the credit cards from our partner Citi are among the best and most popular cards available. Whether you prefer cash back or points to redeem for travel, there are many options to choose from when it comes to Citi credit cards.

Citi® Double Cash Card

The awards 2% cash back: 1% cash back when you make a purchase and an additional 1% cash back when the purchase is paid. You receive your rewards as soon as you reach $25. There is an introductory APR of 0% for 18 months on balance transfers* made from the date of the first transfer when transfers are completed within four months of opening the account. The balance transfer fee is 3% or $5, whichever is greater. After that, a variable APR of 15.49%-25.49%* will apply. There is no annual fee for this card.

Citi Simplicity® Card - No Late Fees Ever

The offers one of the best introductory APRs available. This card offers  0% intro APR on balance transfers for 21 months from the date of the first transfer, and on purchases for 12 months from the date of account opening. The balance transfer fee is 5% of the transfer, minimum $5 whichever is greater. After the introductory period, the APR will be 15.99% - 25.99% (variable). There is no annual fee for this card.

Citi ThankYou® Preferred Card

The awards two points per dollar on purchases made on dining out and entertainment, and one point per dollar on all other purchases. The card currently offers a 0% intro APR on purchases for 15 months from the date of account opening and 0% intro APR on balance transfers for 15 months from the date of the first transfer*. After that, the variable APR of 15.49%-25.49%* will apply. There is no annual fee for this card.

American Airlines AAdvantage MileUpSM Card

The  offers new cardholders 10,000 American Airlines bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening. You can earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases 2 miles for each $1 spent at grocery stores, including grocery delivery services, and 1 mile for every dollar spent on other purchases. You also save 25% on inflight food and beverage purchases when you use your card on American Airlines flights. The variable APR for purchases and balance transfers is 17.99% - 25.99%.* There is no annual fee.

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

The awards two miles for each dollar you spend at gas stations, restaurants, and eligible American Airlines purchases, and one mile for each dollar spent on other purchases. New cardholders can earn 50,000 American Airlines AAdvantage® bonus miles after making $2,500 in purchases within the first 3 months of account opening.* You can also earn a $100 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card. This card includes additional flight benefits such as a 25% savings on inflight purchases, first checked bag free, boarding privileges, and many others. The variable APR for purchases and balance transfers is 17.99%-25.99%*. There is no foreign transaction fee. The annual fee of $99 is waived the first 12 months.*

Citi® / AAdvantage® Executive World Elite Mastercard®

The is popular for those who frequently fly American Airlines. This card awards two miles for each eligible dollar spent with American Airlines, and one mile spent on other purchases. For a limited time, earn 75,000 American Airlines AAdvantage® bonus miles after spending $7,500 in purchases within the first 3 months of account opening.* This card also includes Admirals Club membership and an annual miles bonus of 10,000 Elite Qualifying Miles if you make $40,000 in purchases within the year. Other card benefits include an inflight discount, free checked bags, and other flight privileges. The variable APR is 17.74%-25.74%*. There is no foreign transaction fee. The annual fee is $450.

CitiBusiness® / AAdvantage® Platinum Select® World Mastercard®

Citi also offers small business owners an option for earning rewards with the . This card awards two miles for each dollar spent on eligible American Airlines purchases and purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations. For a limited time, earn 70,000 American Airlines AAdvantage® bonus miles after making $4,000 in purchases within the first 4 months of account opening.* Card benefits also include first checked bag free on domestic American Airlines itineraries, preferred boarding privileges on American Airlines domestic flights, and 25% savings on American Airlines inflight Wi-Fi when you use your card.* Each year you spend $30,000 you get an American Airlines Companion Certificate. The variable APR is 17.74%-25.74%*. There is no foreign transaction fee. The annual fee of $99 is waived the first 12 months.*

Citi ThankYou® Preferred Card for College Students

College students can build their credit with the . This card awards two points per dollar spent on dining out and entertainment, and one point for all other purchases. As a new cardholder, you can earn a bonus of 2,500 points after spending $500 in purchases in the first 3 months of account opening. You also get a 0% introductory APR on purchases for seven months. After that, a variable APR of 16.49% - 26.49%* will apply. There is no annual fee* for this card.

Citi® Secured Mastercard®

The is an option for those who are working on establishing a good credit history. After you make a security deposit of $200 to $2,500 that is held in a Collateral Holding Account, you get a credit card with a limit that is equal to your deposit. As you use your card, your activity is reported to the credit bureaus, helping you to establish credit. This card has a variable APR of 24.49%* and no annual fee.

How to Find the Best Citi Credit Card Promotions

  1. Internet – Our Recommended Option. Because of the ability to research and compare your options, and the simplicity in applying online, our recommended option for finding the best Citi credit card promotions is online. With just a couple clicks you can find the most up-to-date promotions and bonuses and apply for the card you choose immediately. 
  2. Mail Offers. Among the many pieces of mail you get, you probably have a couple of different credit card offers, including those from Citi. Mail offers are still some of the most popular ways to get current credit card offers, but these offers are often targeted to a specific demographic and may not include the offers you will find online. Still, mail offers include special promotions, prequalification offers, and usually, a phone number and website to apply for the particular credit card. Go to applynow.citicards.com, applyonline.citicards.com or balancetransfer.citicards.com to find current mail offers available. 
  3. TV. Like other credit card issuers, Citi also provides special promotions on TV through commercials and ads, especially when there is a new card like the current Citi Double Cash card. You can usually apply for that card with the phone number or website address provided in the commercial.
  4. Magazines/Newspapers. Whether you are in the dentist’s office or still keep up with your own subscriptions, you’ll encounter Citi credit card promotions in magazines and newspapers as well. These offers also include a phone number and website address for applying but aren’t always the most current or up-to-date credit card offers.
  5. Bank Branches. Citibank has nearly a thousand bank branches in North America, where you can apply for the credit card you choose as well as any other financial product you’re interested in. The offers at bank branches will be similar to the promotions you see on TV and online, and it may be helpful to have a live person helping you choose the best card.

Credit Cards for People with Excellent to Good Credit

Many Citi credit cards require excellent to good credit to qualify unless you are a college student, or you are building credit with the secured card. If you aren’t able to qualify for the Citi card of your choice, or you don’t find one that perfectly meets your needs, we recommend the following lists of the best balance transfer cards, low-interest rate, travel rewards, and cash back credit cards.

 

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