Citi Credit Cards

Review and compare the best Citi credit cards for your credit score. See the average and lowest credit scores approved for each credit card (a “0″ means we don’t yet have enough credit score approval data for that card.)

Citi® Diamond Preferred® Card

Great For: Personalized concierge services and deals on entertainment.

Credit Needed: Excellent

Average Approved Score: 735

Lowest Approved Score: 679

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  • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Price Rewind searches for a lower price. Learn how you can get lower price after you purchase an item.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • Enjoy special access to presale tickets, preferred seating, VIP packages, and unique entertainment experiences through Citi Private Pass®.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*
Intro APR
Purchases		 Intro Term
Purchases		 Intro APR
Balance Transfers		 Intro Term
Balance Transfers		 Regular APR Annual Fee
0% 18 Months 0% 18 Months 11.99% – 21.99%*Variable $0*

Citi® Dividend Platinum Select® Visa® Card

Great For: Online rewards program that rotates categories quarterly.

Credit Needed: Excellent

Average Approved Score: 716

Lowest Approved Score: 651

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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 from Citi at Home Depot, Home furnishing stores and home and garden stores between 4/1/13 and 6/30/13, with enrollment
  • Enroll at no additional cost each quarter for new categories that earn additional cash back
  • Full 1% cash back on all other purchases and eligible cash advances.
  • No Annual Fee*
Intro APR
Purchases		 Intro Term
Purchases		 Intro APR
Balance Transfers		 Intro Term
Balance Transfers		 Regular APR Annual Fee
0% 12 Months 0% 12 Months 12.99% – 22.99%*Variable $0*

Citi Simplicity® Card

Great For: Balance transfers and direct access to service representatives.

Credit Needed: Excellent

Average Approved Score: 706

Lowest Approved Score: 650

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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.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • No late fees - EVER
  • No penalty rate - EVER
  • No annual fee - EVER
  • Save time when you call with fast, personal help, 24 hours a day.
Intro APR
Purchases		 Intro Term
Purchases		 Intro APR
Balance Transfers		 Intro Term
Balance Transfers		 Regular APR Annual Fee
0% 18 Months 0% 18 Months 12.99% – 21.99%*Variable $0*

Citi ThankYou® Card

Great For: Earning points for every $1 you spend on purchases.

Credit Needed: Excellent

Average Approved Score: 726

Lowest Approved Score: 637

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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*
  • Earn 1 ThankYou Point for every $1 you spend on purchases
  • Enjoy no limit on the number of points you can earn
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*
Intro APR
Purchases		 Intro Term
Purchases		 Intro APR
Balance Transfers		 Intro Term
Balance Transfers		 Regular APR Annual Fee
0% 15 Months 0% 15 Months 12.99% – 22.99%*Variable $0*

Citi® Platinum Select® / AAdvantage® Visa Signature® Card

Great For: Earning rewards miles for every dollar spent on purchases.

Credit Needed: Excellent

Average Approved Score: 728

Lowest Approved Score: 664

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  • Earn 30,000 American Airlines AAdvantage® bonus miles after $1,000 in purchases within the first 3 months of cardmembership*
  • Your first eligible checked bag is free*
  • Priority Boarding with Group 1 privileges* and 25% savings on eligible in-flight purchases*
  • Earn a $100 American Airlines Flight Discount every cardmembership year with qualifying purchases and cardmembership renewal*
  • Double AAdvantage® miles on eligible American Airlines purchases*
  • Earn 10% of your redeemed AAdvantage® miles back - up to 10,000 AAdvantage® miles each calendar year*
Intro APR
Purchases		 Intro Term
Purchases		 Intro APR
Balance Transfers		 Intro Term
Balance Transfers		 Regular APR Annual Fee
N/A N/A N/A N/A 15.24%* Variable $95, waived first 12 months*

Citi® Hilton HHonors™ Visa Signature® Card

Great For: Earning points for free rooms at more than 3,700 hotels worldwide.

Credit Needed: Excellent

Average Approved Score: 747

Lowest Approved Score: 659

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  • Earn 40,000 Hilton HHonors Bonus Points after spending $1,000 within 4 months of account opening.*
  • Earn 6 HHonors Bonus Points for each $1 spent at a participating hotel within the Hilton HHonors portfolio.*
  • Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations.*
  • Earn 2 HHonors Bonus Points for each $1 spent on all other purchases.*
  • No annual fee.*
Intro APR
Purchases		 Intro Term
Purchases		 Intro APR
Balance Transfers		 Intro Term
Balance Transfers		 Regular APR Annual Fee
N/A N/A N/A N/A 14.24% or 16.24% (Variable) None

Citi® Dividend® Card for College Students

Great For: Earning cash back while building credit.

Credit Needed: Fair

Average Approved Score: 700

Lowest Approved Score: 579

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  • Earn bonus cash back each quarter on new must-have categories– like department stores, travel and more, with enrollment
  • Earn a full 1% cash back on all other purchases
  • Free enrollment each quarter for new categories that earn additional cash back.
  • Manage your account online, on your tablet or on your Smartphone
  • No Annual Fee
Intro APR
Purchases		 Intro Term
Purchases		 Intro APR
Balance Transfers		 Intro Term
Balance Transfers		 Regular APR Annual Fee
0% 7 months N/A N/A 13.99% – 23.99%*Variable $0*

Citi Forward® Card for College Students

Great For: Earning rewards while building credit.

Credit Needed: Fair

Average Approved Score: 679

Lowest Approved Score: 611

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  • No Cosigner required
  • 5 ThankYou® Points for every $1 you spend at restaurants and on entertainment; 1 point per $1 on all other purchases.
  • APR reduction on purchases when using credit wisely
  • 100 ThankYou Points each billing period that you pay on time and stay under your credit line
Intro APR
Purchases		 Intro Term
Purchases		 Intro APR
Balance Transfers		 Intro Term
Balance Transfers		 Regular APR Annual Fee
0% 7 Months N/A N/A 13.99% – 23.99%*Variable $0*

CitiBusiness ThankYouSM Card

Great For: Earning rewards for business expenses.

Credit Needed: Excellent

Average Approved Score: 0

Lowest Approved Score: 0

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  • Designed for businesses with an established credit history
  • Earn 15,000 bonus ThankYou® points after you make $3000 in purchases within 3 months of cardmembership - enough for $150 in gift cards
  • 0% intro APR on Purchases for 6 months. After that, 13.24% variable.
  • Earn 3 ThankYou® points for every dollar you spend on eligible purchases in rotating business categories.
  • Redeem points on things for your business or for yourself like business supplies, merchandise, gift cards, travel or even cash.
  • No limit to the amount of points you can earn on purchases and points don't expire.
  • No annual fee *
Intro APR
Purchases		 Intro Term
Purchases		 Intro APR
Balance Transfers		 Intro Term
Balance Transfers		 Regular APR Annual Fee
0% 6 Months N/A N/A 13.24%* Variable N/A

CitiBusiness® / AAdvantage® World MasterCard®

Great For: Earning rewards for business expenses.

Credit Needed: Excellent

Average Approved Score: 748

Lowest Approved Score: 748

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  • Designed for businesses with an established credit history
  • Earn 30,000 American Airlines AAdvantage® bonus miles after $1,000 in purchases in the first 3 months of cardmembership*
  • First eligible checked bag free for you and up to 4 traveling companions*
  • Priority Boarding with Group 1 privileges*
  • Earn 2 AAdvantage® miles for every $1 you spend on eligible American Airlines purchases and on purchases at certain office supply, telecommunications and car rental merchants*
  • 25% Savings on eligible in-flight purchases
Intro APR
Purchases		 Intro Term
Purchases		 Intro APR
Balance Transfers		 Intro Term
Balance Transfers		 Regular APR Annual Fee
N/A N/A N/A N/A 15.24% (Variable) $95, waived for the first 12 months

Citi® Hilton HHonors™ Reserve Card

Great For: Earning points for free rooms at more than 3,700 locations.

Credit Needed: Excellent

Average Approved Score: 746

Lowest Approved Score: 712

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  • Earn 2 weekend night certificates good at select hotels and resorts within the Hilton HHonors portfolio after $2,500 in eligible purchases within 4 months of account opening*
  • Earn 10 HHonors Bonus Points per $1 spent on hotel stays within the Hilton HHonors portfolio*
  • Earn 5 HHonors Bonus Points per $1 spent on airline and car rental purchases*
  • Earn 3 HHonors Bonus Points per $1 spent on all other eligible purchases*
  • Enjoy the benefits of HHonors Gold status as long as you are a cardmember*
  • No foreign transaction fees on purchases*
  • Travel with ease and enjoy global acceptance with your Citi chip credit card
  • Earn an anniversary bonus of 1 weekend night certificate at select hotels and resorts within the Hilton HHonors portfolio each cardmembership year with qualifying purchases*
Intro APR
Purchases		 Intro Term
Purchases		 Intro APR
Balance Transfers		 Intro Term
Balance Transfers		 Regular APR Annual Fee
N/A N/A N/A N/A 15.24%* Variable $95