Citibank tenders credit cards that fit the need of everyone. They have credit cards in multiple categories such as shopping, rewards, travel, and more. With the appropriate Citibank credit card, you can expand your benefits in form of rewards, and air miles. The bank has cards that earn cash back, and flexible points, while most offer 0% APR promos and other attractive benefits. Citibank offers secured credit cards for their customers to rebuild their credit.
Citibank credit card comes in different categories for customers to choose from. Customers can have more than one credit card, as long as their credit enables them to get approved. It offers a variety of cards from consumers to small business owners, with rewards that include cashback, points, and miles. Citibank also provides choices for cardholders wishing to transfer balances, plan for larger purchases and manage their spending.
However, Citibank is one of the largest credit card issuers in the U.S. in terms of card currency and outstanding balances. Citibank is among the first issuers of reward credit cards, having launched the American Airlines AAdvantage card in the 1980s.
Types of Citibank credit card
Citi Premier Card
The Citi premier card is one of the best starter travel rewards cards due to its amazing amount of bonus spending categories. You earn triple points on air travel, hotel, restaurants, supermarket, and gas stations. It gives you the opportunity to earn on your everyday purchases. Cardholders can enjoy the privilege of saving $100 on annual hotel savings on a single hotel stay booking of $500 or more booked through thankyou.com. Another offer you can’t pass on is your points are flexible and can transfer to 16 airline programs from JetBlue to Virgin Atlantic.
Citi Custom Cash Card
This is a cash-back card with no annual fee. The card stands out from other cards by providing the unique ability to earn up to 5% back on your top spending category each billing cycle on up to the first $500 you spent. This card is highly recommended for your first cash-back card since the custom cash offers 5% automatically on your spending category. You will earn rewards in the form of Citi ThankYou points. People who want to lower their debt and take advantage of its introductory APR offer can consider applying for this card.
Citi Double Cash Card
The Citi Double Cash Card is one of the easiest and most rewarding cash-back rewards cards. Cashback is automatically earned in the form of ThankYou points. This will allow for easier usage of your hard-earned rewards. It is one of the best cash-back cards because it earns up to 2% cashback on all purchases with no annual fee. However, you can make use of the Citi double cash card as a cash-back card; you can also convert your cashback to fully transferable ThankYou points with the Citi premier card or the Citi Prestige card. This card is great for those looking to consolidate debt since it offers 18 months of 0% introduction APR on balance transfers made within the first 4 months of opening your account
Citi AAdvantage Executive World Elite MasterCard
It is best for American airline flyers who value lounge access. Citi AAdvantage Executive World Elite MasterCard provides a full admirals club membership. As well as a number of other benefits that make flying American airlines more comfortable. This card includes complimentary access to the American airline’s admiral’s club lounges. One of the perks of having a Citi AAdvantage Executive World Elite MasterCard is having elite status. However, it doesn’t include first-class upgrades.
Citi Diamond Preferred Credit Card
This card offers a low intro APR for new customers on both balance and purchase, allowing you to pay down your debt without adding interest charges. You get 0% intro APR for 21 months on balance transfers from the date of the first transfer. Also, 0% intro APR for 12 months on purchases from the day you opened your account. It gives you a year and a half to pay down your balances before the card’s APR of 13.99% – 23.99% variables.
Compare Credit Cards
|Credit card||Annual fee||Intro offer||rewards|
|Citi Double Cash Card is best for cashback||$0||0% APR for 18 months on balance transfer||1% on spending and 1% on payments|
|Citi Rewards Best for points||$0||20,000 points after $1,500 in 3 months||2x on gas and supermarket: rounds up to nearest 10 points|
|Citi Simplicity||$0||0% APR for 21 months on balance transfer and 12 months on purchase||none|
|Citi AAdvantage Executive World Elite Mastercard Best for American airlines||$450||50,000 miles after $5,000 in 3 months||2 AAdvantage miles for every $1 spent on eligible American airlines purchase|
|Citi Secured Mastercard Best for no credit history||$0||Min credit line of $200||none|
|Citi Premier Card||$95||60,000 points||Earn back 3 points per $1 spent at restaurant, gas stations, and supermarkets|
How to Apply for a Citibank Credit Card
However, you can compare the various credit cards offered by Citi bank to select a preferable one. You can apply for a Citi credit card by paying a visit to Citi online and following the few steps below:
- Go to the official website
- Click on the credit card tab on the Citi website
- Select the Citi credit card that you wish to apply for
- Click on the apply now option
- Fill in the application form with your contact details, personal details, professional details, and address
- Enter your PAN to proceed with the application.
That’s all you need for the application of the card.