Best Citi Credit Cards [March 2026]
11 active cards • Updated March 2026
All Citi Credit Cards Ranked
Showing all 11 active Citi cards. Annual fees range from $0 to $595 — 5 cards have no annual fee.
Card details are subject to change. Verify rates and fees with Citi before applying.
Citi Credit Cards Comparison
| Card | Annual Fee | Best Rate | Signup Bonus | Best For |
|---|---|---|---|---|
| Strata Premier | $95/yr | Up to 10x | $600 | General rewards |
| Custom Cash | No fee | Up to 5x | $200 | General rewards |
| Strata Elite | $595/yr | Up to 3x | — | General rewards |
| AAdvantage Executive | $595/yr | Up to 4x | — | General rewards |
| AAdvantage Globe | $350/yr | Up to 3x | — | General rewards |
| AAdvantage Platinum Select World Elite | $99/yr | Up to 2x | — | General rewards |
| AAdvantage Business World Elite | $99/yr | Up to 2x | — | General rewards |
| Double Cash | No fee | Up to 5x | — | General rewards |
| Strata | No fee | Up to 3x | — | General rewards |
| AT&T Points Plus | No fee | Up to 3x | — | General rewards |
| AAdvantage MileUp | No fee | Up to 2x | — | General rewards |
How to Maximize Citi Rewards
- Citi ThankYou Points transfer to 15+ airline partners including Avianca and Turkish Airlines.
- Citi cards include Trip Cancellation and Purchase Protection on select products.
- Citi has strict rules about receiving sign-up bonuses on the same product family.
Frequently Asked Questions
What is the best Citi credit card?
The best Citi card depends on your spending habits. Frequent travelers should look for bonus categories matching their spending; everyday spenders benefit most from flat-rate rewards.
How do I apply for a Citi credit card?
Visit Citi's official website or use the apply links above. Most applications return a decision within 60 seconds. You may need to call to reconsider a denial.
What credit score do I need for a Citi card?
Most Citi rewards cards require good to excellent credit (670+). Premium cards typically require 740+. No-annual-fee and secured cards may be available for lower scores.
Does Citi do a hard pull on my credit?
Yes. All credit card applications result in a hard inquiry which may temporarily lower your credit score by a few points.
How do I redeem Citi rewards?
Redeem through your card's online account or mobile app. Options include statement credits, direct deposit, travel bookings, gift cards, or transfers to partner programs depending on your card.