Best Credit Cards for Citi Cards (March 2026)
Ranked by actual rewards rates at citi cards merchants. 11 cards tested.
Updated March 11, 2026·PointsPick Data Team
Data verified March 2026 · Methodology
Quick Answer
The best credit card for citi cards in 2026 is the Custom Cash ($0/yr annual fee). We compared 11 cards across rewards rates, fees, and benefits to find the top picks.
Top 11 Cards Compared
#1
Top Pick
5x Best Rate$0/yr feeNo FTF$200 cash back
Custom Cash with no annual fee, no foreign transaction fee, plus a $200 cash back signup bonus.
Rewards Rate
5xTop Eligible Category Each Billing Cycle
1xEverything Else
1.0xAll other purchases
Why we picked it: Custom Cash with no annual fee, no foreign transaction fee, plus a $200 cash back signup bonus.
Pros
- No annual fee
- No foreign transaction fee
- $200 cash back signup bonus
Cons
- No point transfer partners
#2
Runner Up
5x Best Rate$0/yr feeNo FTF$200 cash back
Double Cash with no annual fee, no foreign transaction fee, plus a $200 cash back signup bonus.
Rewards Rate
5xHotels, Car Rentals, Attractions
2xEverything
1.0xAll other purchases
Why we picked it: Double Cash with no annual fee, no foreign transaction fee, plus a $200 cash back signup bonus.
Pros
- No annual fee
- No foreign transaction fee
- $200 cash back signup bonus
Cons
- No point transfer partners
#3
2x Best Rate$0/yr feeNo FTF
AAdvantage MileUp with no annual fee, no foreign transaction fee.
Rewards Rate
2xAmerican Airlines Purchases
2xGrocery Stores
1xEverything Else
1.0xAll other purchases
Why we picked it: AAdvantage MileUp with no annual fee, no foreign transaction fee.
Pros
- No annual fee
- No foreign transaction fee
Cons
- No point transfer partners
- No signup bonus
#4
3x Best Rate$0/yr feeNo FTF
AT&T Points Plus with no annual fee, no foreign transaction fee.
Rewards Rate
3xAt&T Wireless Purchases
2xDining
1xEverything Else
1.0xAll other purchases
Why we picked it: AT&T Points Plus with no annual fee, no foreign transaction fee.
Pros
- No annual fee
- No foreign transaction fee
Cons
- No point transfer partners
- No signup bonus
#5
Rewards Rate
3xHotels, Air Travel, Restaurants, Supermarkets, Gas
1xEverything Else
1.0xAll other purchases
Why we picked it: Strata with no annual fee, no foreign transaction fee.
Pros
- No annual fee
- No foreign transaction fee
Cons
- No point transfer partners
- No signup bonus
#6
10x Best Rate$95/yrNo FTF60,000 points
Strata Premier for just $95/yr, no foreign transaction fee, plus a 60,000 points signup bonus.
Rewards Rate
10xHotels/Car Rentals Via Citi Travel
3xDining
3xSupermarkets
3xGas Stations
1.0xAll other purchases
Why we picked it: Strata Premier for just $95/yr, no foreign transaction fee, plus a 60,000 points signup bonus.
Pros
- Low $95/yr annual fee
- No foreign transaction fee
- Transferable points to travel partners
Cons
- $95/yr annual fee
#7
2x Best Rate$99/yrNo FTF
AAdvantage Business World Elite no foreign transaction fee.
Rewards Rate
2xAmerican Airlines Purchases
2xTelecommunications
2xCar Rentals
2xGas Stations
1.0xAll other purchases
Why we picked it: AAdvantage Business World Elite no foreign transaction fee.
Pros
- No foreign transaction fee
Cons
- $99/yr annual fee
- No point transfer partners
#8
2x Best Rate$99/yrNo FTF
AAdvantage Platinum Select World Elite no foreign transaction fee.
Rewards Rate
2xAmerican Airlines Purchases
2xDining
2xGas Stations
1xEverything Else
1.0xAll other purchases
Why we picked it: AAdvantage Platinum Select World Elite no foreign transaction fee.
Pros
- No foreign transaction fee
Cons
- $99/yr annual fee
- No point transfer partners
#9
Rewards Rate
4xAmerican Airlines Purchases
1xEverything Else
1.0xAll other purchases
Why we picked it: AAdvantage Executive no foreign transaction fee.
Pros
- No foreign transaction fee
Cons
- High $595 annual fee
- No point transfer partners
#10
Rewards Rate
3xAmerican Airlines Purchases
3xHotels
3xRestaurants
1xEverything Else
1.0xAll other purchases
Why we picked it: AAdvantage Globe no foreign transaction fee.
Pros
- No foreign transaction fee
Cons
- High $350 annual fee
- No point transfer partners
Rewards Rate
3xHotels, Air Travel, Restaurants, Supermarkets, Gas
1xEverything Else
1.0xAll other purchases
Why we picked it: Strata Elite no foreign transaction fee.
Pros
- No foreign transaction fee
Cons
- High $595 annual fee
- No point transfer partners
RelatedCustom Cash vs Double Cash·Custom Cash Review·Double Cash Review·AAdvantage MileUp Review·AT&T Points Plus Review·Strata Review
Top 5 Picks in Detail
#1. Custom Cash
The Custom Cash from Citi earns 1.0x base rate with no annual fee, plus $200 cash back welcome bonus.
#2. Double Cash
The Double Cash from Citi earns 1.0x base rate with no annual fee, plus $200 cash back welcome bonus.
#3. AAdvantage MileUp
The AAdvantage MileUp from Citi earns 1.0x base rate with no annual fee.
#4. AT&T Points Plus
The AT&T Points Plus from Citi earns 1.0x base rate with no annual fee.
#5. Strata
The Strata from Citi earns 1.0x base rate with no annual fee.
Our Methodology
Our citi cards rankings are based on 11 data points across reward rates, annual fees, signup bonuses, and cardholder benefits. We pull data from 35+ independent verified sources including official card terms, issuer disclosures, and industry databases. Rankings are computed algorithmically with no affiliate influence on card placement or scoring. Cards are re-evaluated monthly as terms change. For the full breakdown of our scoring model, see our methodology page.
Frequently Asked Questions
What is the best credit card for citi cards in 2026?
The Custom Cash is our top-ranked card for citi cards in 2026, earning 1X rewards with a $0/yr annual fee. We compared 11 qualifying cards based on category-specific bonus rates, annual fees, and cardholder benefits.
How did you rank these citi cards credit cards?
We ranked 11 cards by their actual category-specific bonus rate using data from 35+ verified sources. Cards earning higher rewards in citi cards rank higher. We also factor in annual fees, signup bonuses, and cardholder benefits.
Is there a no-annual-fee card for citi cards?
Yes — the Custom Cash is the top no-annual-fee option for citi cards in our rankings.
How often are these rankings updated?
Rankings update automatically when card terms change. Data last verified: March 11, 2026.
PointsPick may earn a commission when you apply through our links. Full disclosure
This ranking draws on data from 35+ independent sources.
Rankings are data-driven with no affiliate influence on placement.
Last verified on March 11, 2026.
Full methodology: www.pointspick.com/methodology.