Citibank Credit Cards Compared

Allison Martin
Citi® Diamond Preferred® Card
Citi® Diamond Preferred® Card

As of June 2016, Citibank offers approximately 16 personal credit cards. These cards have different affiliations and rewards, and some are designed for students and individuals looking to rebuild their credit.

Credit Cards Offered by Citibank

Citi cards are affiliated with MasterCard, American Express, and Visa, as well as third-party vendors, such as airlines. Some cards reward cardholders with ThankYou Points, which can be redeemed for merchandise directly from Citibank.

Annual Percentage Rates (APRs) and balance transfer rates differ for each card, depending on the market prime rate, cardholder's credit history and rating.

Citi ThankYou Preferred Card

The ThankYou Preferred Card allows you to earn two points per dollar spent on dining out and entertainment, and one point per dollar on all other purchases. It has a 0 percent APR and balance transfer rate for the first 15 months, and a subsequent variable APR and balance transfer rate ranging between 13.24 percent and 23.24 percent. Points do not expire, and there is no annual fee. This card is designed for individuals who use credit cards on a regular basis and enjoy dining out.

Citi ThankYou Premier Card

The ThankYou Premier Card enables cardholders to earn three points per dollar spent on travel purchases, two points for dining and entertainment, and one point for all other purchases. The annual fee of $95 is waived for the first year, and the APR for purchases and balance transfers ranges between 14.24 percent and 23.24 percent. This card is designed for individuals looking to earn a hefty sum of points on all their purchases. It is also ideal for frequent international travelers since no foreign transaction fee applies.

Citi AAdvantage Cards

Using credit card to make travel purchase

These cards are affiliated with American Airlines and allow cardholders to earn American Airlines AAdvantage points.

  • AAdvantage Platinum Select MasterCard: You can earn 30,000 AAdvantage bonus miles if you spend at least $1,000 using this account within the first three months. Cardholders also earn two points for every dollar spent on American Airlines purchases and one point for all other purchases. This card has a $95.00 annual fee that is waived for the first year. Its variable APR and balance transfer rate ranges between 14.24 percent and 22.24 percent. The card is designed for individuals seeking flight rewards to use on American Airlines. Additional perks include a 25 percent discount on select in-flight food and beverage purchases, Group 1 boarding, and free checked baggage for the first piece of luggage.

  • AAdvantage Executive World Elite MasterCard: This card has a $450 annual fee and a 15.49 percent variable APR and balance transfer rate. It is designed for individuals who use credit cards often, and who travel frequently and seek luxury travel services. Rewards include priority check in, early boarding, a 25 percent discount on all in-flight purchases, and a statement credit of up to $100 to offset Global Entry or TSA PreCheck costs. Cardholders also receive 50,000 bonus AAdvantage points after making $5,000 in purchases after the first four months, and 10,000 bonus points after spending $40,000 in a calendar year. One point is earned for every dollar spent, but two points are earned for American Airlines purchases.

  • CitiBusiness AAdvantage Platinum Select World MasterCard: When you open an account and spend $1,000 in the first three months, you will receive 30,000 AAdvantage bonus miles. No annual fee applies for the first year, and no foreign transaction fees are ever assessed on international purchases. However, a variable purchase APR of 15.49 percent applies from inception. Cardholders also enjoy a free checked bag and Group 1 Boarding on domestic flights. You are also eligible to receive a Companion Certificate if you spend $30,00 or more each year. This card is ideal for business owners who want to manage their employee's travel expenses.

  • AAdvantage Gold MasterCard: This card has a variable APR and balance transfer rate range of 14.24 percent to 22.24 percent. Its $50.00 annual fee is waived for the first year. Cardholders earn one American Advantage mile for every dollar spent and are able to travel to select destinations using fewer AAdvantage points. Cardholders also receive 25,000 bonus miles after spending $750 within the first three months. This card is designed for individuals who travel somewhat frequently, and who seek to be able to travel using AAdvantage points.

Simplicity Credit Card

The Citi Simplicity MasterCard has a 0 percent APR and balance transfer rate for the first 21 months. Subsequently, its variable APR and balance transfer rate range from 13.24 percent to 23.24 percent. Cardholders are never assessed annual or late fees. You can also take advantage of "Citi Price Rewind," which allows you obtain a refund for purchases that have fallen in price in the 60 days since the purchase. Cardholders do not receive ThankYou points for using the card. This card is designed for individuals seeking price protection services and minimal fees.

Citi Double Cash Card

The Citi Double Cash Card offers 1 percent cash back on all purchases, and 1 percent once the balance is repaid. No annual fee applies, but there is no introductory APR offer for purchases; the variable rate ranges between 13.24 to 23.24 percent from inception. However, you can also take advantage of 0 percent APR on balance transfers for 18 months. Once the introductory period has lapsed, the balance transfer APR also ranges from 13.24 percent to 23.24 percent. This card is ideal for consumers who wish to earn cash back on all their purchases without the category and earning restrictions.

Citi Diamond Preferred MasterCard

The Diamond Preferred MasterCard boasts no annual fee, a 0 percent APR and balance transfer rate for 21 months, and a variable balance transfer rate and APR between 12.24 percent and 22.24 percent after 21 months. Cardholders do not earn ThankYou points, but have access to a personal concierge for assistance with booking concert tickets and flights. It is designed for individuals looking for assistance with booking tickets and access to special events.

Citi Hilton HHonors Visa Cards

Using a credit card to make an online purchase

These cards reward cardholders with Hilton HHonors points, which can be redeemed for stays at Hilton properties.

  • Signature Card: This card has no annual fee and rewards new cardholders with 40,000 Hilton points after charging $1,000 within the first four months. The purchase and balance transfer APR ranges between 15.49 and 19.49 percent. Six points are earned for every dollar spent on Hilton hotels, while three points are earned for supermarket, drugstore, and gas stations. Two points per dollar are earned on all other qualifying purchases. You can also earn 10,000 bonus points annually if you spend at least $1,000 on Hilton hotels within the calendar year. The Signature card is designed for individuals wanting to earn Hilton points but who have not yet spent much at Hilton hotels, while the Gold version of the card is designed for individuals who have stayed at Hilton hotels frequently.

  • Reserve Card: This card has a 15.49 percent purchase and balance transfer rate and a $95.00 annual fee. New cardholders earn two weekend-night certificates after spending $2,500 within the first four months. Ten points are earned for every dollar spent on stays at hotels within the chain's Honors Portfolio, five points for airline ticket and car rental purchases, and three points for all other purchases.

Citi Prestige Card

The Prestige Card has a $400 annual fee and a variable purchase and balance transfer APR of 15.49 percent. Cardholders can earn three points for every dollar spent on airfare and lodging, two points for dining and entertainment expenses, and one point for all other purchases. It is designed for individuals who travel frequently, and, to that end, offers international acceptance, a $100 Global Entry application fee credit, and complimentary lounge access. You can also earn 50,000 bonus points after spending $3,000 in the first three months.

Expedia Cards

Rewards for these cards are given in the form of a statement credit that can be used towards Expedia.com purchases or ThankYou point items.

  • Expedia+ Card from Citi: This card has no annual fee and a variable APR between 15.24 percent and 23.24 percent for purchases and balance transfers. Cardholders receive 15,000 Expedia+ bonus points after making $1,000 in purchases within three months. Three points per dollar are earned for Expedia purchase, and users earn one point for all other purchases. This card is designed for individuals who book travel through Expedia.com.

  • Expedia+ Voyager Card from Citi: This card has a $95 annual fee and an APR and balance transfer rate between 14.24 percent and 22.24 percent. Cardholders earn 25,000 Expedia+ bonus points after making $2,000 in purchases within three months. Users can redeem the points for $350 off their accommodations at a +VIP Access hotel. Cardholders also receive an annual $100 air travel fee credit and 5,000 points each year if they spend $10,00 in the prior year. Expedia purchases earn four points for every dollar spent, while dining and entertainment purchases earn two points and all other purchases earn one point.

Cards for College Students

Citi also offers the following credit card exclusively for college students:

Citi ThankYou Preferred Card For College Students

The Thank You Preferred Card for College Students has no annual fee and enables you to earn 2,500 bonus points when you spend at least $500 within the first three months of opening the account. Cardholders also enjoy an introductory APR of 0 percent on all purchases for the first seven months. Subsequently, the card's variable APR ranges between 14.24 percent and 24.24 percent. Dining and entertainment purchases provide two bonus points for every dollar spent, and all other purchases earn one dollar. The earning potential is unlimited, and the bonus points never expire. The card is ideal for students who dine out regularly and are looking to earn bonus points on their purchases.

Secured Credit Cards

Citibank also offers the Citi Secured MasterCard. It comes with a $25 annual fee and purchase APR of 22.24 percent. This card is designed for individuals who are looking to rebuild their credit, and you can choose from a credit line between $200 to $5,000. The amount you're approved for will be equal to your initial security deposit.

Choosing Your Credit Card

Citibank's credit cards are designed for a variety of users. Review your credit goals, needs, and desired rewards, as well as the card's interest rates prior to applying for the one of your choice.

Citibank Credit Cards Compared