Best features: You’ll earn 3X points per dollar spent on several high-traffic categories: air travel, hotels, restaurants, gas stations and supermarkets.

Consistent 5% cash back is a great rate for any credit card, especially one with no annual fee.

Bottom line: Shoppers with spending habits that vary month to month can really benefit from this card’s user-friendly rewards structure.

Alternatives: Those looking for a flexible cash back card with similar options should look to the Bank of America® Customized Cash Rewards credit card’s offer of 3% cash back in the category of your choice and 2% back at wholesale clubs and grocery stores.

Also, there’s no annual bonuses or high-rate offers outside of your top category. While the card’s intro APR offer on balance transfers is great, there’s a $5 or 5% transfer fee on any balance moved.

Biggest drawbacks: The $500 cap on your bonus rate each billing cycle is less than ideal, totaling just $6,000 in annual spending.

There’s also a 15-month 0% intro APR on balance transfers and purchases (variable 19.24% to 29.24% afterwards). New cardholders can also earn $200 in cash back (paid out in ThankYou points) after spending $1,500 in the first six months of account opening. Your purchases outside of the top spend category will earn 1% cash back. The 5% rate automatically adjusts to your spending rather than the task of sorting out rotating spend categories on your own.

Best features: This no annual fee card gets you 5% cash back on purchases for the first $500 spent in your top eligible spend category each billing cycle (then 1%).

We’ll fill you in on the need-to-know when it comes to Citi’s credit card offers, finding the right option, and making the card work for you.Ĭomparing the best Citi credit cards Credit cardĬiti® / AAdvantage® Executive World Elite Mastercard®Ĭostco Anywhere Visa® Business Card by CitiĮditor’s picks: Citi credit card details Best for cash back + sign-up bonus: Citi Custom Cash ® Card

In addition to their slew of credit card benefits and rewards, Citi serves as a bank for people seeking mortgages, investing services and more. With Citi, you can find lucrative cash back, strong travel rewards, chances to build your credit, worthwhile perks and more. The issuer did not provide the content, nor is it responsible for its accuracy.Ĭiti, one of the nation’s largest and longest-established banks, offers plenty of opportunity in the world of credit cards. The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.Īll information about Citi Rewards+ SM Student Card, CitiBusiness AAdvantage Platinum Select Mastercard and the Citi Secured Mastercard have been collected independently by and has not been reviewed by the issuer.Plus, earn 1X ThankYou® Points on All Other Purchases. Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter.After that, your fee will be 5% of each transfer (minimum $5). There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness. 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening.Plus, for a limited time, earn 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on the Citi Travel℠ portal through June 30, 2024.

Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening redeemable for $200 in gift cards at.

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