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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.)

Credit Needed: Excellent

Average Approved Score: 743*

Lowest Approved Score: 697*

  • Earn 20,000 bonus ThankYou® Points after $1,500 in card purchases within 3 months of account opening redeemable for $200 in gift cards or other great rewards!
  • 0% intro APR on Balance Transfers and Purchases for 12 months. After that, the variable APR will be 12.99%-22.99% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.*
  • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment
  • 1 ThankYou Point on other purchases
  • Points do not expire and earn unlimited Thank You Points
  • 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%* 12 Months* 0%* 12 Months* 12.99% – 22.99%* Variable $0*

Citi® Dividend Platinum Select® Visa® Card

Great For: Online rewards program that rotates categories quarterly.

Credit Needed: Excellent

Average Approved Score: 712*

Lowest Approved Score: 656*

  • Earn $100 cash back after $500 in purchases within the first 3 months of account opening
  • Earn 5% CASH BACK in categories every quarter. Right now, on eligible purchases within the Hilton Portfolio, car rental agencies, movie theaters and theme parks from 7/1/14 – 9/30/14
  • Enrollment each quarter is quick and easy
  • Earn 1% cash back on all other purchases.
  • The total cash back earned with the card is $300 per calendar year, excluding the $100 cash back with this offer. See Citi Dividend Card Reward Program Information.
  • 0% Intro APR on Purchases and Balance Transfers for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*
  • No Annual Fee*
  • Click Apply Now to see pricing details
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: 701*

Lowest Approved Score: 652*

  • 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*

Credit Needed: Excellent

Average Approved Score: 727*

Lowest Approved Score: 641*

  • 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*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment
  • 1 ThankYou Point on other purchases.
  • Points do not expire and earn unlimited ThankYou Points
  • 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® World MasterCard®

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

Credit Needed: Excellent

Average Approved Score: 723*

Lowest Approved Score: 642*

  • Earn 30,000 American Airlines AAdvantage® bonus miles after $1,000 in purchases in the first 3 months of cardmembership*
  • Your first eligible checked bag is free*
  • Group 1 boarding 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 13.99% - 21.99%* Variable $95, waived for first 12 months*

Credit Needed: Excellent

Average Approved Score: 748*

Lowest Approved Score: 659*

  • 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: Good

Average Approved Score: 697*

Lowest Approved Score: 579*

  • Build credit while earning cash back fast
  • Earn 5% CASH BACK in categories every quarter. Right now, on eligible purchases within the Hilton Portfolio, car rental agencies, movie theaters and theme parks from 7/1/14 – 9/30/14
  • Enrollment each quarter is quick and easy.
  • Earn 1% cash back on all other purchases
  • The total cash back earned with the card is $300 per calendar year. See Citi Dividend Card Reward Program Information.
  • Choose your payment due date
  • No Annual Fee
  • Click Apply Now for pricing details
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 ThankYou® Card

Great For: Earning rewards for business expenses.

Credit Needed: Excellent

Average Approved Score: 0*

Lowest Approved Score: 0*

  • Earn 15,000 bonus ThankYou® points after you make $3,000 in purchases within 3 months of cardmembership – redeemable for $150 in gift cards.
  • 0% introductory 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*
  • Points do not expire and there is no cap to the ThankYou points you can earn.
  • Redeem points for great rewards from business supplies and merchandise to gift cards, travel rewards or even cash rewards
  • 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: 742*

Lowest Approved Score: 668*

  • 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*
  • Get the first checked bag free for you and up to 4 traveling companions*
  • Enjoy Group 1 Boarding*
  • Earn 2 American Airlines AAdvantage® miles for every $1 you spend on American Airlines purchases and on purchases at certain office supply, telecommunications and car rental merchants*
  • Receive 25% savings on in-flight food and beverage purchases when you use your card*
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: 664*

  • 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
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

Citi ThankYou® Premier Card

Great For: Travel rewards with no foreign transactions fees on purchases.

Credit Needed: Excellent

Average Approved Score: 0*

Lowest Approved Score: 0*

  • Earn up to 50,000 bonus ThankYou® Points. Bonus points are redeemable for up to $500 in gift cards, up to $625 for airfare or other great rewards
  • Earn 20,000 points after $2,000 in purchases within the first 3 months of account opening
  • Earn an additional 30,000 points after another $3,000 in purchases within the first 3 months of your second year of being a cardmember
  • Earn 3 ThankYou Points for every $1 spent on purchases for dining at restaurants and entertainment
  • Earn 2 ThankYou Points for every $1 spent on purchases for airfare and hotels
  • Earn 1 ThankYou Point per $1 spent on other purchases
  • Points do not expire and earn unlimited Thank You Points
  • Travel with ease and enjoy chip based technology
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 13.99% - 22.99%* Variable $125; fee waived for the first 12 months*

Credit Needed: Good

Average Approved Score: 0*

Lowest Approved Score: 0*

  • Earn 2,500 bonus ThankYou® Points after spending $500 within the first 3 months of cardmembership.
  • 2 ThankYou® Points per dollar spent on purchases for dining at restaurants and entertainment.
  • 1 ThankYou® Point on other purchases.
  • Points do not expire and earn unlimited Thank You Points
  • 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%* 7 Months N/A N/A 13.99% - 23.99%* Variable $0*

Citi® Diamond Preferred® Card

Great For: Personalized concierge services and deals on entertainment.

Credit Needed: Excellent

Average Approved Score: 0*

Lowest Approved Score: 0*

  • 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® Easy Deals(SM) Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card. Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • $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*

*This information is provided through a relationship with CreditKarma.com. Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, these approval metrics are only guidelines and approval is not guaranteed.