Best Citi Credit Cards

Citi® is currently offering credit cards with some of the longest 0% introductory rates for both balance transfers and purchases. In addition to the interest saving benefits there are many attractive rewards options available. Geared for those with excellent credit, consumer-friendly Citi® credit card offers allow you to both save and earn simultaneously. With so many offers, our Editors have chosen their top picks by category listed below. All Citi® credit cards showcased on this page and throughout our website feature summaries, pricing, and links to secure online applications over the Citi® server. You may apply online for the cards our Editors have identified as the best Citi® credit card in each category or you may navigate below to view all offers available within a group.

Citi® Platinum Select® Visa®

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0% Intro APR on balance transfers and purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based on your creditworthiness.*
Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
Citi® Identity Theft Solutions
No annual fee*

Intro APR	Intro APR Period	APR	Annual Fee	Balance Transfer	Minimum Credit Required
0.00%*	18 months on purchases*	11.99-21.99% (Variable)*	$0.00*	Yes*	Excellent

Citi Forward® Card

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$100 in gift cards - When you redeem the 10,000 bonus ThankYou® Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months
0% intro APR for 12 months on balance transfers and for 7 months on purchases. After that, 12.99% - 22.99% variable
5 points for every $1 spent at restaurants and on books, movies and music. 1 point for every $1 you spend on all other purchases
APR reduction on purchases when using credit wisely
No Annual Fee*

Intro APR	Intro APR Period	APR	Annual Fee	Balance Transfer	Minimum Credit Required
0.00%*	7 months on purchases*	12.99-22.99% (Variable)*	$0.00*	Yes*	Excellent

Citi Simplicity® Card

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0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
Peace of mind through direct access to a service representative, no late fees and no penalty rate
No annual fee

Intro APR	Intro APR Period	APR	Annual Fee	Balance Transfer	Minimum Credit Required
0.00%*	18 months on purchases*	12.99-21.99% (Variable)*	$0.00*	Yes*	Excellent

Citi ThankYou® Card

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Enjoy 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99% - 22.99% based upon your creditworthiness*
Plus earn 1 ThankYou Point for every $1 you spend on purchases
Earn an anniversary bonus on points earned from purchases every year*
Enjoy no limit on the number of points you can earn
Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
No annual fee*

Intro APR	Intro APR Period	APR	Annual Fee	Balance Transfer	Minimum Credit Required
0.00%*	15 months on purchases*	12.99-22.99% (Variable)*	$0.00*	Yes*	Excellent

Citi ThankYou® Preferred Rewards Card - $150 in Gift Cards

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$150 in gift cards - When you redeem the 15,000 bonus ThankYou® Points received after $1,000 in purchases within 3 months of account opening
5 ThankYou Points for every $1 you spend on purchases at gas stations, supermarkets and drugstores for 12 months and 1 point for every $1 you spend thereafter**
No expiration and no limit on the points you can earn
Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
No annual fee*

Intro APR	Intro APR Period	APR	Annual Fee	Balance Transfer	Minimum Credit Required
N/A*	N/A*	12.99-22.99% (Variable)*	$0.00*	Yes*	Excellent

Citi ThankYou® Preferred Rewards Card - $250 in Gift Cards

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$250 in gift cards - When you redeem the 25,000 bonus ThankYou® Points received after $2,000 in purchases within 4 months of account opening
Earn 1 point for every $1 you spend on all purchases
Receive an anniversary bonus every year you're a cardmember
No expiration and no limit on the points you can earn
Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
No annual fee*

Intro APR	Intro APR Period	APR	Annual Fee	Balance Transfer	Minimum Credit Required
N/A*	N/A*	12.99-22.99% (Variable)*	$0.00*	N/A*	Excellent

Citi® Diamond Preferred® Card

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0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based upon your creditworthiness.*
24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more
Special access for Citi cardmembers to purchase presale tickets, preferred seating, VIP packages, and other unforgettable live entertainment experiences through Citi Private Pass®
$0 liability on unauthorized purchases and Citi® Identity Theft Solutions
No annual fee*

Intro APR	Intro APR Period	APR	Annual Fee	Balance Transfer	Minimum Credit Required
0.00%*	18 months on purchases*	11.99-21.99% (Variable)*	$0.00*	Yes*	Excellent

Citi® Hilton HHonors® Visa Signature® Card

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Earn 40,000 Hilton HHonors Bonus Points after spending $1000 within 4 months of account opening*
Earn 6 Hilton HHonors Bonus Points for each $1 spent at a participating hotel within the Hilton Worldwide portfolio*
Earn 3 Hilton HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations*
Earn 2 Hilton HHonors Bonus Points for each $1 spent on all other purchases*
No annual fee.*

Intro APR	Intro APR Period	APR	Annual Fee	Balance Transfer	Minimum Credit Required
N/A*	N/A*	14.24-16.24% (Variable)*	$0.00*	N/A*	Excellent

Citi® Dividend Platinum Select® Visa® Card

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$100 cash back after $500 in purchases within the first 3 months of account opening
0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
Earn 5% cash back at The Home Depot and on Home Furnishing and Home & Garden purchases from 4/1/12 to 6/30/12 when you enroll.
Each quarter, you can enroll to earn additional cash back in popular categories.
Full 1% cash back on all other purchases and eligible cash advances.
No annual fee*

Intro APR	Intro APR Period	APR	Annual Fee	Balance Transfer	Minimum Credit Required
0.00%*	12 months on purchases*	12.99-22.99% (Variable)*	$0.00*	Yes*	Excellent

Citi Forward® Card for College Students

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No Cosigner required
APR reduction on purchases when using credit wisely
100 ThankYou Points each billing period that you pay on time and stay under your credit limit
Earn 1,000 points after you sign up for paperless statements within the first 3 months of account opening.

Intro APR	Intro APR Period	APR	Annual Fee	Balance Transfer	Minimum Credit Required
0.00%*	7 months on purchases*	13.99-22.99% (Variable)*	$0.00*	Yes*	Good

Citi® Dividend Platinum Select® Card for College Students

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No Cosigner Required
Earn 5% Cash Back on purchases at supermarkets, drugstores, gas stations, convenience stores & utilities (including cable) for 6 months; 1% thereafter*
Earn at least 2% cash back in popular rotating categories like restaurants, apparel, hotel and more. Enrollment required*
Earn a full 1% cash back on all other purchases*

Intro APR	Intro APR Period	APR	Annual Fee	Balance Transfer	Minimum Credit Required
0.00%*	7 months on purchases*	13.99-21.99% (Variable)*	$0.00*	Yes*	Good

Citi® - About the Financial Institution
CitiBank is a prominent banking name in the USA. It is also one of the older US banks. It was founded in New York City in 1812 with $2 million in capital funds as a commercial bank. In the first year it paid $800,000 in capital. Samuel Osgood was the first president of CitiBank. A year after opening the bank the first dividend was paid. Important Milestones would not occur again until 1822 with the Farmers’ Fire Insurance and Loan Company that was founded. This trust company eventually became Farmer’s Loan and Trust in 1835 and merged with National City Bank in 1929 before becoming part of CitiBank.

1929 was a very important year for CitiBank with its acquisitions and ability to become the largest commercial bank in the world. In 1935 the bank started offering monthly payment loans for small businesses in order to help them after the Great Depression. A year later they were offering consumer checking accounts where no minimum starting balance was needed.

By 1939, CitiBank had 100 offices in 23 countries outside of the US providing one of the largest world banks. They had to compete with JP Morgan Chase, but they still managed to keep their hands in the top tier of international banking institutions.

The name CitiBank came later, so when National City Bank decided on a name change in 1955 it was to First National City Bank of New York. First National as it was known at the time invented negotiable certificate of deposit or CDs in 1961. They also started a new subsidiary the same year. In 1962 with the 150th anniversary the bank name was shortened to First National City Bank. Two years later it entered the leasing business and a year after that they offered their first credit card.

The rest of the decade would be filled with credit card products like the Everything Card and a new holding company called First National City Corp. It would be 1976 before First National City Bank became CitiBank NA (National Association). A year later they launched Citicard centers with ATMs to be used for emergency cash. They would also be the leader for foreign exchange currencies. In 1981, Diners Club was rolled into CitiBank. Diners Club would eventually be sold off to Discover.

The 80s were most helpful to CitiBank growing as a bank with the Savings and Loan acquisitions in Florida, California, Washington, DC, and Illinois. They also became part of CHAPS Clearing Company, a real time gross settlement service. Direct Access was linked to personal computers in homes and offices for CitiBank to be accessed by consumers. In New York and Hong Kong CitiBankwould start offering the new touch screen ATM concept.

By the early 90s, CitiBank had numerous branches in approximately 90 countries. It became the largest credit card and charge card issuer in 1993. It also merged with savings banks operating under the FSB single charter. In 1994, the first foreign owned commercial bank in Russia was opened. A year later the 20th anniversary of Consumer Banking Business was celebrated and the first full service branches in China, Vietnam, and South Africa were opened. There were branches before, but they only had a few CitiBank services. 1996 provided CitiBank with the largest number of credit cards in Asia. In fact Taiwan had over 1 million credit cards, which was unheard of outside the US until 1996. In 1998 Travelers Group merged with Citigroup.

At the end of the 20th century, CitiBank was a global leader with multi- geographic internet banking, operations under Nikko in Japan, and Financiero Atlas in Chile. They would also become partners with Ripplewood Holdings with the right to purchase Bank of Japan. The US and Canadian locations for CitiBank became CitiFinancial.

The new millennium started out positive with $13 billion in earnings, more mergers, and more options regarding financial services such as the Women and Company option for successful women to access banking funds. CitiBank also worked with China Merchants Bank to issue the first ever international travel cash card for China called the Visa Travel Money Card. Movements into Mexico with more banks and services also occurred with the purchase of Mexico’s Banacci group.

In 2002, the centennial anniversary for Asia, Europe, and India was celebrated. It was also a year for the Gold State Bankcorp to become part of Citigroup, which was the parent company for First Nationwide Mortgage and Cal Fed.

Citigroup has been quite helpful to the world and US with disaster relief. They offered $30 million for the earthquake and Tsunami cleanup in south Asia along with relief for the hurricane in the US. Throughout the first five years of 2000, Citigroup has merged and acquired various banks, networks, and products to be a better bank. They introduced the PayPass debit option along with credit card rewards for Egypt, mobile phone banking in Australia, and financial services through the Post Office in Romania. They also offered the first dual currency card for China.

Citigroup partnered with 7-Eleven to place 5,500 ATMs in their gas stations. They also opened 1,200 new branches globally, started offering services in Kuwait and Dubai, and also offered growth to their equities products in Russia, Middle East, India, China, and Brazil. Citigroup partnered with American Airlines 25 years before 2006, so they had an anniversary celebration and card.

Citigroup hasn’t had much growth since 2006 due to issues with the recent recession; however, they were able to reduce their green house gas emissions by 10 percent due to new buildings. They have worked hard to go “green” to help the environment. They are also still a leader for global equity and wealth management. With numerous mergers in Telecom with the Mexican government, expansion into the Middle East, Europe, and other countries Citigroup will remain one of the top banks in the USA. They also have some nongovernmental organizations to help women and others in Bangladesh, which started in 2006.

Disclaimer: *See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be redirected to the credit card issuer's website where you can review the terms and conditions for the selected offer.