The Citi ThankYou Rewards program is one of four transferable point programs offered by a bank. American Express, Capital One, and Chase are the other three programs. What’s unique about the best Citi credit cards is the way Citi has positioned itself against its competitors. The bank is clearly going after the no annual fee to mid annual fee market with the discontinuation of the Citi Prestige Card.
You receive access to the ThankYou Reward program with the $95 annual fee Citi Premier Card. The ThankYou Rewards program gives these best Citi credit cards access to Citi’s airline partners. Top airline programs that partner with Citi include Air France-KLM Flying Blue, Avianca LifeMiles, Cathay Pacific Asia Miles, Emirates Skywards, Etihad Guest, Singapore Airlines KrisFlyer, Turkish Airlines Miles&Smiles, and Virgin Atlantic Flying Club. With that said, let’s jump into the best Citi credit cards that you can apply for.
Best CitiBank Credit Cards
Citi Custom Cash
The Citi Custom Cash earns $200 cash back after spending $750 within the first three months of account opening. Separately, cardmembers earn 5% cashback in your highest spend category every month, up to $500 in spending. 5% categories include restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment.
Citi Rewards+ Credit Card
With the Citi Rewards+ Credit Card, you earn 20,000 bonus points after spending $1,500 within the first three months of account opening. The Citi Rewards+ Credit Card also earns 2x points at supermarkets and gas stations up to $6,000 every year. One of the best aspects of this card is that it rounds up to the nearest 10 points on every purchase. For example, a $35 meal earns 40 points. Lastly, the Citi Rewards+ Credit Card gives 10% points back based upon the number of points redeemed every year. If you redeem 50,000 points, you receive 5,000 points back.
Citi Premier Card
80,000 bonus points are available to new cardmembers after spending $4,000 in the first three months of account opening. This $95 annual fee card has no foreign transaction fees and earns 3x points on restaurants, supermarkets, gas stations, air travel, and hotels. Cardmembers also receive a $100 hotel credit, once per year, towards a hotel stay of $500 or more booked throughthankyou.com.
Citi Double Cash
YOu earn 2% cashback on all transactions with the Citi Double Cash. Structurally, the card earns 1% cashback on the purchase itself plus 1% cashback when you pay your bill. This no annual fee card has no caps on the amount of cashback you can earn every year.
AT&T Access Card
The AT&T Access Card offers 10,000 bonus Points after spending $1,000 in the first three months of account opening. This card has no annual fee and earns 2x points for online purchases and on AT&T products and services.
Conclusion on the Best Citi Credit Cards
With five credit cards that can help you to earn points that can be transferred to top airline programs, Citi ThankYou Rewards continues to be top-notch. Through a concerted effort, you can earn at 2-5x points on every purchase with these best Citi credit cards.
What Citi credit card do you like best? What benefits do you look for most in a Citi credit card? Please let me know in the comments below or by sending me an email on my contact page.
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