Credit Cards

The Best Citi® Credit Cards of 2019


The Best Citi® Credit Cards of 2019 25.09.2019Leave a comment
The Best Citi® Credit Cards of 2019

When was the last time you got a new credit card? If that was in 2018, this means that currently, you are missing out on a better credit card that has gone out just recently. Credit card offers are always getting better. That is why we often get puzzled, having a hard time choosing the best credit card.

New York-based multinational Citibank provides consumers, corporations, governments, and institutions with a range of financial services and products, such as consumer credit and banking, investment, transaction services, and more. Citi offers a valid set of credit cards.

You can find a credit card with no annual fee, luxury cards, you can also purchase flat-rate cash back card that will help you grow your small business if that’s what you care about.

Citi Credit Cards
Citi Credit Cards

Many people choose Citibank credit cards because it’s easy to earn reward points while paying for daily shopping or other purchases. 

Certainly, not all credit cards are the best fit for you. Each credit card serves a specific purpose. And defining your purpose will help you pick the right one for you.

But there is no need to worry since we’ve prepared a ready list of Citi’s best offerings.

Go through the list of the most effective Citi credit cards and choose the one that is worth investing in.

Longest Balance Transfer Offer: Citi Simplicity® Card

If what you are looking for a way to free yourself from late fees and penalty rates, then don’t hesitate to try the Citi Simplicity Card. This is one of the rarest credit cards that charges no penalty fees. Except for that, Citi Simplicity Card has a very long introductory balance transfer offer.

If earning rewards is not your number one priority but you want to avoid accumulating interest of your credit card then Citi Simplicity Card is something you better try. 

Citi Simplicity® Card
Citi Simplicity® Card

Rates and Fees

Simplicity Card stands out among Citi’s cards with the longest introductory period. This is a generous opportunity for those who want to pay off a huge purchase within a long period.

Once the introductory period is over, you’ll be required to pay APR between 16.49% – 26.49% on both balance transfers and purchases. Intro period for balance transfers only applies to transfers made within four months from account registration.

You should also be aware of the card’s balance transfer fee. It has an intro balance transfer fee of 5% (minimum $5), which means that if you transfer a balance of $5,000 to the Citi Simplicity® Card, for example, it would cost you $250.

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The card charges a foreign transaction fee. So in order to avoid an extra 3% fee for any purchases abroad, it’s recommended to use another card as you travel abroad.

Reviews

Many customers feel satisfied with the card, claiming that they have a chance to have their debt finally paid off. The customers are also happy with the card since it doesn’t charge late fees. However, many of them complain about bad customer service. In addition to this, many customers agree that it can be costly to carry a balance on this card.

With higher than average balance transfer fee the Citi Simplicity card is still a good option for those who need time to pay off their debt. 

The overall rating of the card is 3 stars out of 5.

Rating of 3.0 out of 5 stars
3/5

Earn Cashback Twice: Citi® Double Cash Card

Do you want to earn 2% cashback on everyday purchases without spending more? Citi® Double Cash Card will give you a chance to earn cashback in the simplest way possible without paying an annual fee.

This card is one of the easiest and highest cashback earning Citi cards. On every purchase, a customer earns 1% cashback as soon as they make the purchase and another 1% when they finalize the payment. 

Citi® Double Cash Card
Citi® Double Cash Card

The card doesn’t offer many sign-up bonuses. But that’s not an issue with this card since it compensates for the lack of an intro offer through generous rewards rates.

Rates and Fees

Citi® Double Cash Card users receive a 0% introductory APR on balance transfers for the first 18 months after the account registration.

Sometimes, people get confused with all the programs and systems that credit cards suggest. Citi® Double Cash Card is unique in this sense. It doesn’t require you to enroll in any program.

Reviews

According to the majority of the customers, this is a great option since it allows you to not only pay down credit debt over a long period but also gives a chance to enjoy huge rewards. Despite the advantages, some customers complained about the high balance transfer fee of $5.

Overall, even though the card is mostly appreciated and widely used it received a rating of 4.7 stars out of 5.

Rating of 4.7 out of 5 stars
4.7/5

Citi PremierSM Card

Right now, you can open a Citi Premier℠ Card account and earn 60,000 Citi ThankYou points by spending $4,000 on purchases within the first three months. This is one of the most rewarding offers for those who use credit cards for everyday spending since it offers 10,000 more points than the regular ones.

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It offers a rich, rewarding system. Cardmembers receive ThankYou points with every purchase they make, including restaurant dinners, traveling costs, vacations, and more.

Citi PremierSM Card
Citi PremierSM Card

You’ll get 3 points per $1 spent on travel, 2 points per 1$ spent on restaurants and entertainment. Finally, 1 point is received per $1 spent on all the other purchases.

The good news is that there is no limit to the amount of ThankYou points you can earn. It’s also good to know that you shouldn’t worry about redeeming your points in a short time since the points do not expire, and you can redeem them at any time you want.

Reviews

Even though some of the customers might complain about the $95 annual fee, many others claim that extra 10,000 ThankYou points are worth paying for it.

What customers especially like about this card is its reward system. The majority of customers claim that they benefit and earn a lot through making purchases.

So the card is absolutely praised by everyone for its bonus categories.

Rating of 4.5 out of 5 stars
4.5/5

The Citi® Rewards+℠ Student Card

With a low introductory APR and no annual fee, Citi® Rewards+℠ Student Card gives you the chance to earn most out of your purchases, including supermarkets and gas stations.

For example, if you spend $500 during the first three months of account registration, you’ll earn 2500 bonus points.

The Citi® Rewards+℠ Student Card
The Citi® Rewards+℠ Student Card

Most importantly, the card provides an opportunity to keep money in reserve. Once you redeem your first 100,000 ThankYou® Points per year, the system gets 10% of the points back.

The points can be redeemed for gift cards. You can also use the points to pay for concert tickets and for vacation. The points can be used for online shopping as well, via Amazon.com or BestBuy.com.

Reviews

No reviews are available for this card.

Citi® Diamond Preferred® Credit Card

The most significant advantage of Citi® Diamond credit card is that you can make great savings with it. It is a cut above because it offers an introductory 0% balance transfer period of 18 months. Plus, there is no annual fee for it.

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Citi® Diamond Preferred® Credit Card
Citi® Diamond Preferred® Credit Card

You can start saving right now if you register an account for the Citi® Diamond Preferred® card. Some of the other benefits include VIP packages to concerts, sports events, and a lot more.

Rates

What comes to APR, a customer will pay 0% on purchases within 12 months and 0% on balance transfers within 18 months.

However, there is one drawback to this card. It has a high balance transfer fee of 5%. Meanwhile, many other balance transfer cards charge 3%. Therefore, some of the users agreed that if looking for a card with a low regular APR, one had better find another option.

Most of the cards offering a long 0% APR promotion do not provide rewards at all, so this card is an exception in this sense, since getting any rewards is better than getting none. The card gives its customers access to a unique rewards program. Citi Easy Deals rewards program ensures to save 10% of the purchase price every time a customer uses the card to make a purchase.

Reviews

Many users still complain about the high balance transfer fee of 5%. The rest are mostly satisfied with its assistance.

Rating of 4.2 out of 5 stars
4.2/5

Effective Shopping at Warehouse: Costco Anywhere Visa® Card

Another Citi card that offers great benefits is Costco Anywhere Visa® Card. This is especially beneficial because the users can earn Costco cash rewards by making purchases anywhere Visa is accepted.

The card is special since unlike many of its competitors, Costco Anywhere Visa doesn’t charge a foreign transaction fee, which allows you to use it abroad as well.

Regular Costco shoppers gain most of its benefits earning considerable cashback with the Costco Anywhere Visa® Card by Citi.

Costco Anywhere Visa® Card
Costco Anywhere Visa® Card

Let’s have a close look at the cashback system. 4% cashback is offered on the first gas purchase of $7,000 per year, 3% is offered on restaurants and available travel purchases, 2% cashback on purchases from Costco and Costco.com and only 1% for all other purchases.

Don’t forget that cashback is awarded in the form of a certificate that is redeemable for cash.

Even though there is no annual fee with this card, Costco members have to pay a minimum fee of $60 to remain in the membership.

Reviews

According to many customers, the card charges fine interest rate for those who want to carry a balance.

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Many others, on the other hand, acknowledge the fact that the cost exceeds membership discounts for the merchandise at Costco.

The majority of customers complain about the difficulties they have while trying to get the cash reward because of the highly restrictive redemption policy. 

All of the benefits and the drawbacks considered, the credit card has a…

Rating of 4.7 out of 5 stars
4.7/5

Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®

One of the famous Citi cards is Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®. It suggests a serious sign-up bonus and even more advantages for American Airlines customers.

It is an especially effective offer for American Airlines AAdvantage Rewards members.

The card gives a chance to earn up to 50,000 AAdvantage miles by making purchases for $2500 within the first three months of account registration.

Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®
Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®

Once the three month period passes, you can earn 2 AAdvantage miles per $1 spent on American Airlines purchases, at gas stations, and restaurants. Also, the customer receives 1 mile per $1 spent on other purchases.

In addition to that, you’ll have more benefits using the card, including a free checked bag for up to four companions traveling on the same reservation and 25% off food and beverage purchases.

All these advantages are offered with $0 intro and yet $99 after first-year annual fee.

Except for all the advantages, some of the customers pointed out a few drawbacks. Some of them claim that redeeming miles is a very hard process.

All in all, the card is mainly beneficial and has a…

Rating of 4.2 out of 5 stars
4.2/5

Citi® Secured Mastercard®

If you have limited or no credit history The Citi® Secured Mastercard® is a great option for you. You can establish, rebuild, or improve your credit with the help of Citi® Secured Mastercard®.

You can keep it open for years without being required to pay any extra fees. Meanwhile, other secured cards charge fees $35 to $49, which makes it tough to carry the same card for years.

This is a perfect starter card for those who use credit for the first time. The Citi® Secured Mastercard allows cardholders to jump into building their credit history without having to pay an annual fee.

Citi® Secured Mastercard®
Citi® Secured Mastercard®

There is no annual fee charged, but you are required to make daily purchases and pay the bills on time. Citi’s secured credit card can help you achieve your financial goals. You are allowed to use the card anywhere Mastercard® is accepted.

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Review

The overall opinions about the credit card are positive. Many customers agree that the card is helpful for rebuilding credit. However, some of them keep complaining that the system reports payments and balance reports only sometimes.

Wrapping Up

Choosing a credit card is not an easy task to complete. Every credit card offers advantages of its own, but very few are devoid of drawbacks and flaws. Citi is a leading global bank that has almost 200 million customer accounts and operates in more than 160 countries.

Citi credit cards are perfect for earning cash back, achieving travel rewards, or reserving money on balance transfer, and more. The rewards and bonus points can be redeemed for air travel, gasoline, telephone minutes, and purchases at stores with Citi credit cards.

Whether you are looking for a better way of saving more with cashback and bonuses, or you want to improve your credit score, and more so; Citi offers a broad variety of credit cards for different purposes. Citi will help you to get a credit card tailored to your needs.

Apply for your credit with Citi once you find yourself qualified for it.

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Andrei Shilkov

Blog author. I am well versed in Finance and Digital Marketing. I have two bachelors degrees in Finance. Born in Russia, but later moved to the USA, to western Pennsylvania, the city of Pittsburgh. I have a Certified Public Finance Officer (CPFO) certificate. I also worked at IRS and Microsoft.

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