Below we rank the main Citi-branded credit cards (Citicards) and give a short review of each card to help you see which (if any) is right for you. Note that we’ve listed the student and secured Citi cards at the bottom in a separate area, because they are intended only for certain types of cardholders. Also, we have not included co-brand cards issued by Citibank such as the Costco credit cards or cards from American Airlines.
Citi Double Cash Card – Our favorite Citicard gives you 2% cash back on everything you buy, although you get that 2% back in an unorthodox way: 1% cash back when you make the purchase, and then 1% cash back when you pay off your purchases. No annual fee. Who It’s For: If you want a great cash back card that doesn’t require you to keep track of various spending categories in order to maximize your return, start here.
Citi Prestige Card – This is Citi’s high-end travel credit card, meaning it has a high annual fee but also loads of perks. Annual fee is $495, but perks include a $250 travel credit each year, access to over 1,000 airport lounges, a 4th night free hotel stay when you book a stay of four consecutive nights at the same hotel, and more. Plus, you earn Citi ThankYou points: 5 points per dollar on air travel and dining purchases, 3 points per dollar at hotels and cruise lines, and 1 point per dollar on everything else. Has a 50,000-point bonus opportunity for new cardholders. Who It’s For: Anyone that can take advantage of both the 4th-night-free offer AND the $250 travel credit might want this card, especially with its generous points on travel and dining. However, if you can’t take advantage of the 4th night free or max out that travel credit, the card’s annual fee will not be worth it.