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Citibank cash back credit card

The Best Citi Credit Cards of 2017

One of the leading credit card issuers in the United States, Citi has a range of cards that are appealing to all types of consumers. Many of Citi’s cards offer zero percent introductory rates, no annual fees and excellent rewards. With several cards to choose from, you can find a Citi card that meets your needs.

  • Top card for flat-rate cash back:Citi Double Cash Card
  • Top card for Costco and gas purchases:Costco Anywhere Visa Card by Citi
  • Top card for travel purchases:Citi ThankYou Premier Card
  • Top card for American Airlines flyers:Citi / AAdvantage Platinum Select World Elite Mastercard
  • Top card for Hilton purchases:Citi Hilton HHonors Reserve Card
  • Top card for balance transfers:Citi Simplicity Card
  • Top card for students:Citi ThankYou Preferred Card for College Students

Top Card for Flat-rate Cash Back

Citi Double Cash Card

With the Citi Double Cash Card, you can earn cash back twice, once when you make a purchase and again when you pay. Plus, with a zero percent introductory APR and no annual fee, you can save money while you earn rewards.

The Citi Double Cash Card earns 1 percent cash back on purchases and another 1 percent cash back when you pay for your purchases in full. If you pay your balance each month, this card effectively offers a 2 percent rate for all purchases.

There is no annual fee with the Citi Double Cash Card and you can take advantage of the card’s zero percent introductory APR on purchases and balance transfers for 15 months. The card also offers benefits including a pass on your first late fee, worldwide travel accident insurance, trip cancellation protection and extended warranty.

Best for people who:

  • Want to earn a good rate on cash back rewards without bonus categories
  • Don’t want to pay an annual fee
  • Can pay their balance each month

Top Card for Costco and Gas Purchases

Costco Anywhere Visa Card by Citi

Designed for Costco members, the Costco Anywhere Visa Card by Citi is a good choice for earning rewards on Costco purchases and gas. There’s a low introductory APR, excellent cardholder benefits and no annual fee.

With the Costco Anywhere Visa Card by Citi, you can earn 4 percent cash back on the first $7,000 in eligible gas purchases each year, including Costco gas. The card also earns 3 percent cash back on dining and eligible travel purchases, as well as 2 percent cash back on purchases from Costco.

You can earn cash back rewards with no annual fee and a zero percent introductory APR on purchases for seven months. As a cardholder, you’ll have access to benefits including an extended warranty, trip cancellation protection and worldwide travel accident insurance.

Best for people who:

  • Frequently shop with Costco
  • Want to earn rewards for gas purchases
  • Don’t want to pay an annual fee

Citi ThankYou Premier Card

Travelers can earn excellent rewards with the Citi ThankYou Premier Card. This card offers good rewards on travel and other bonus spending categories, a good sign-up bonus and benefits including no foreign transaction fees.

You can use the Citi ThankYou Premier Card to earn three points per dollar on travel including gas, airfare, hotels, cruises, car rentals and more. The card also earns two points per dollar on dining and entertainment. If you spend $3,000 in the first three months, you’ll earn a sign-up bonus worth $375 in airfare when booked through the ThankYou Travel Center.

There’s no limit to the number of points you can earn and points don’t expire. There are no foreign transaction fees. Other benefits offered with this card include lost baggage protection, trip cancellation insurance and worldwide car rental insurance.

Best for people who:

  • Travel frequently
  • Want to redeem rewards for airfare
  • Can earn enough rewards to offset the annual fee

Top Card for American Airlines Flyers

Citi / AAdvantage Platinum Select World Elite Mastercard

The Citi / AAdvantage Platinum Select World Elite Mastercard is a good choice for frequent flyers of American Airlines. This card offers bonus miles for American Airlines as well as useful airline perks.

When you use this card to book American Airlines airfare, you’ll earn two miles per dollar. You can earn 60,000 bonus miles when you spend $3,000 in purchases within the first three months of opening the account. And each year, you’ll get 10 percent of your redeemed miles back, up to 10,000 annually.

As a cardholder, you will get American Airlines flight perks including a free first checked bag, preferred boarding on domestic flights and 25 percent savings on inflight food and beverage purchases. Other benefits include no foreign transaction fees, worldwide rental car insurance, emergency assistance and extended warranty.

Best for people who:

  • Frequently fly with American Airlines
  • Can meet the sign-up bonus spending requirement
  • Can earn enough rewards to offset the annual fee

Citi Hilton HHonors Reserve Card

The Citi Hilton HHonors Reserve Card is an excellent choice for people who frequently stay at Hilton hotels. This card earns rewards on Hilton and other travel purchases at a higher rate and offers hotel perks for cardholders.

With this card, you can earn 10 bonus points per dollar on hotel stays within the Hilton portfolio, five bonus points on airline and car rental purchases and three points per dollar on all other purchases. After you make $2,500 in purchases within the first three months of opening the account, you’ll get two weekend night certificates. Spend $10,000 or more on purchases each year and you’ll get an anniversary bonus of one weekend night certificate.

Cardholders get automatic Hilton Honors Gold status, which offers benefits including a free fifth night on stays of five nights or more, complimentary internet access, late checkout and more. You’ll also have access to Visa Signature benefits including a concierge service and travel and purchase protection.


Citi® Double Cash Card - 18 month BT offer: A Great Cash Back Option

Citibank cash back credit card

The Citi® Double Cash Card - 18 month BT offer is one of the strongest cash back credit cards available right now. It offers 1% cash back on all purchases and another 1% back when those purchases are paid off. While some credit cards may give you higher cash back rewards, this one allows you to not have to worry about changing rewards calendars or tracking certain categories. This puts it up there as one of the best cash back credit cards available, at least when it comes to a flat rate rewards.

The features we like best about the Citi® Double Cash Card - 18 month BT offer

  • 1% cash back is the highest flat rate around
  • Another 1% cash back when you pay off your purchases
  • Citicard services like Price Rewind

Where we think the Citi® Double Cash Card - 18 month BT offer Falls short compared to other cards

  • No bonuses make this card a more long-term investment - no short term gains

Review: Our Thoughts About The Citi® Double Cash Card - 18 month BT offer

With the card offering up to a high fixed rewards rate across all purchases, the Citi® Double Cash Card - 18 month BT offer rivals the best cash back card available. This bodes as good news for consumers who are looking for high rewards that are also easy to use. With the double 1% rewards rate, the Citi® Double Cash Card - 18 month BT offer will be much better than the popular Capital One® Quicksilver® Cash Rewards Credit Card and the new Barclaycard CashForward™ World Mastercard®. Like these rivals, the Citi® Double Cash Card - 18 month BT offer has no annual fee, making it a very reasonable first consideration when it comes to a primary credit card. Cardholders who have spending patterns more heavily focused in areas that bonus cash back cards like the Blue Cash Preferred® Card from American Express may find better alternatives, but for anyone with a broad expenses the Double Cash is worthy of a first look.

One downer for an otherwise great credit card is the card's lack of signing bonus. Most credit cards, even some cash back cards, tend to reward consumers with bonus points or extra cash back for opening a credit card account. While the Citi® Double Cash Card - 18 month BT offer offers an attractive rewards rate, it lacks any incentives up front.

The Citi® Double Cash Card - 18 month BT offer makes up for its lack of a bonus through some ancillary benefits, such as Price Rewind and late fee forgiveness. Whether most consumers will ever get to utilize these perks is not certain, which doesn’t fully make up for the lack of a definite signing bonus. If you do, however, these Citi® Double Cash Card - 18 month BT offer benefits have the potential to be worth thousands of dollars. To learn more about what benefits like Price Rewind can do for you, look to our explanation of the Citi® Double Cash Card - 18 month BT offer benefits below.

How The Cash Back Rewards Work

Instead of being applied immediately to your account, half of the rewards (1% in this case) is awarded as soon as you use the card for purchases. The remaining half is applied at the time when you pay off your balance, and will be 1% of the amount you pay. Since we generally advise that consumers pay off the entirety of their balances each month, the difference in the timing between the purchase and payment rewards should be negligible for most cardholders.

For cardholders who may ignore our advice and keep a balance from month to month, you should know that additional interest will not add to the total amount of cash back you can earn from paying off your balance. As purchases are made, the accumulated spending on eligible purchases is tracked in the Purchase Tracker. As you make payments on your balance, the amount in the Purchase tracker is reduced by the same amount. The amounts in the tracker are the only ones eligible for the 1% cash back from payments.

Other Citi® Double Cash Card - 18 month BT offer Benefits and Features

Here are a table and discussion of other important aspects and perks you need to know about the Citi® Double Cash Card - 18 month BT offer.