Introduction
When it comes to earning rewards, Citibank is one of the leaders in the credit card market. With so many various options, their credit cards provide a number of different ways to earn rewards, ranging from cashback to travel miles. Citibank’s reward cards take into account different spending habits, so there’s a card that’s ideal for everyone.
Here, we’ll examine the best Citibank credit cards for rewards, comparing the pros, qualifications, and rewards you can earn to each other. With a sense of what each card has to offer, you’ll be best able to select the most rewarding card for your life. Let’s take a look at how Citibank’s reward credit cards can make your spending power go further and earn rewards along the way.
1. Citi Premier® Card
The Citi Premier Card offers a reward of 3x points on air travel, hotels, gas, and dining and 1x points on all else. This card also provides benefits on Travel Rewards, Dining Benefits, and Hotel Perks.
Reward
| Issuer | Citibank |
| Payment Gateway | Mastercard |
| Credit Score | Good-Excellent |
| Intro APR | N/A |
| Regular APR | 21.24%–28.24% |
| Sign-up Bonus | 60,000 points after $4,000 spent in 3 months |
| Best For | *Frequent Travelers *Food Lovers |
The Citi Premier® Card, issued by Citi, is a travel-focused card. Its best feature is earning 3X points on air travel, hotels, and restaurants. It benefits users with flexible redemption options, including travel, gift cards, and statement credits.
The card has a $95 annual fee. Its unique feature is no foreign transaction fees. The credit limit varies. A good to excellent credit score (670+) is required. No referral program, but it offers travel accident insurance and Citi Entertainment access.
Key Features:
- Travel Rewards
- Dining Benefits
- Hotel Perks
Reward Rate:
- 3x points on air travel, hotels, gas, dining
- 1x points on all else
Other Information:
- Cash Advance 5% or $10
Pros & Cons of Citi Premier® Card
| Pros | Cons |
|---|---|
| 3X Points on Travel and Dining: Earn 3x points on air travel, hotels, restaurants, and supermarke | $95 Annual Fee: A yearly cost for a rewards card. |
| Bonus Points: 60,000 points after spending $4,000 in the first 3 months (worth $750 in travel). | High APR: 20.24% – 28.24% (variable), can be costly if carrying a balance. |
| No Foreign Transaction Fees: Great for international spending. | Limited Travel Perks: Lacks premium travel benefits like airport lounge access or travel credits |
Expert Advice:
The Citi Premier® Card is issued to help individuals as it provides 3X Points on travel and dining, air travel, hotels, restaurants, and supermarkets. This card also provides bonus points after spending $4,000 in the first 3 months. Great for international spending for earning extra rewards.
2. Citi Custom Cash℠ Card
The Citi Custom Cash℠ Card helps in building credit who have a negative or no credit history. It enables individuals to earn various reward points on travel, online shopping, hotel bookings, car rentals, and more.
Reward
| Issuer | Citibank | ||
| Payment Gateway | MasterCard | ||
| Credit Score | Good-Excellent | ||
| Intro APR | 0% for 15 months | ||
| Regular APR | 19.24%-29.24% | ||
| Sign In Bonus | $200 cash back after $1,500 spent in 3 months | ||
| Balance Transfer | 19.24%-29.24% | ||
| Best For | *Everyday Users *High Spenders |
The Citi Custom Cash℠ Card, issued by Citi, is perfect for category-specific spending. Its best feature is earning 5% cashback on your top eligible spending category each month. It benefits users by maximizing rewards in their most-used credit card categories.
The card has no annual fee. Its unique feature is the rotating 5% cashback category. The credit limit varies. A good credit score (670+) is required. No referral program, but it offers introductory APR on purchases and balance transfers.
Key Features:
- No Annual Fee
- Custom Rewards
- Provides 5% cashback
- Great for those with varying expenses
- Dynamic cashback adapts to spending
Reward Rate:
- 5% cash back on the highest spending category (up to $500 per billing cycle)
- 1% on all else
Other Information:
- Charges 3% International Transactional Fee
- Charges 5% or $10 as cash advance fee
Pros & Cons of Citi Custom Cash℠ Card
| Pros | Cons |
|---|---|
| Applies 5% cash back to your highest spending category each month. | It may not help to earn several rewards as other cards do. |
| No annual fee for the card. | The card charges a 3% international transaction fee. |
| Allows pooling your points with other eligible Citi cards. | The card only offers a single bonus category on every billing cycle. |
| Provides free access to your monthly FICO score. | – |
Expert Advice:
The Citi Custom Cash℠ Card is useful for individuals who want to build their credit. It allows you to build positive credit with the Citi Custom Cash℠ Card, which offers a 0% intro APR on purchases and balance transfers and no annual fee on the card. Citibank credit cards for individuals provide 5% cashback on top eligible spend categories and 1% cashback on other purchases, and it also provides an additional 4% cashback on hotels, car rentals, and many more travel offers. Citi Custom Cash℠ Card charges $0 liability on unauthorized charges.
3. Citi Rewards+® Card
The Citi Rewards+® Card helps individuals and allows them to earn various reward points on travel, online shopping, hotel bookings, car rentals, and many more.
Reward
| Issuer | Citibank | ||
| Payment Gateway | MasterCard | ||
| Credit Score | Fair-Good | ||
| Intro APR | 0% for 7 months | ||
| Regular APR | 18.24%-28.24% | ||
| Sign In Bonus | 2,500 points after $500 spent in 3 months | ||
| Balance Transfer | 18.24%-28.24% | ||
| Best For | *Students *Credit Builders |
The Citi Rewards+® Card, issued by Citibank, is designed for individuals who want to build their credit while earning rewards. This card offers 2X ThankYou® Points at supermarkets and gas stations, up to an annual limit of $6,000, and 1X point on all other purchases. A key feature of this card is its automatic point round-ups to the nearest ten, which helps users maximize their everyday spending.
This card has no annual fee and is available for individuals with a fair credit score. Individuals usually receive a lower initial credit limit. While it does not offer a referral program, it provides benefits such as purchase protection, fraud alerts, and early access to Citi entertainment events.
Key Features:
- No Annual Fee
- Student Rewards
- Round-Up Points
- Best Citi Card for Students
Reward Rate:
- Round-up rewards to the nearest 10 points
- 2x points at supermarkets & gas
Other Information:
- 3% International Transactional Fee
- Charges 5% or $10 Cash Advance Fee
Pros & Cons of Citi Rewards+® Card
| Pros | Cons |
|---|---|
| The annual fee payment is not required. | Card charges up to 3% International transactional fee. |
| The card round-up feature enhances small purchases by rounding them up by 10 points. | The card might have low-value cashback redemption. |
| Allows students to build their credit easily. | The card may charge a penalty APR if the payment gets delayed or if it is returned. |
| Provide free access to their FICO score. | – |
Expert Advice:
The Citi Rewards+® Card was designed to help individuals who want to build their credit. It allows individuals with low or no credit history to build positive credit by applying for the Citi Rewards+ Card, which offers a 0% intro APR for 7 months and does not charge any annual fee. Citibank cards allow individuals to earn various reward points such as 5X reward points on hotel and car rentals, 2X at supermarkets and gas stations, and many more reward points.
4. Citi Double Cash® Card
The Citi Double Cash® Card helps individuals to build their credit by offering them opportunities to make purchases and payments, which helps them to build a credit history. Getting rewards on every full balance payment can help individuals manage their spending habits.
Reward
| Issuer | Citibank | ||
| Payment Gateway | MasterCard | ||
| Credit Score | Good-Excellent | ||
| Intro APR | 0% for 18 months | ||
| Regular APR | 19.24%-29.24% | ||
| Sign In Bonus | N/A | ||
| Balance Transfer | 19.24%-29.24% | ||
| Best For | *Everyday Users *Budget-Conscious *Credit Builders *Online Shoppers |
The Citi Double Cash® Card, which is issued by Citi, provides an easy and rewarding cashback program. Its standout feature is the ability to earn 2% cashback (1% on purchases and an additional 1% when payments are made). With no category restrictions, this card is a versatile option for everyday spending.
The card has no annual fee. Its unique feature is the ability to earn cashback twice. The credit limit depends on creditworthiness. A good credit score (670+) is required. No referral program, but it offers balance transfer options and fraud protection.
Key Features:
- Best for Flat-Rate Cashback
- No Annual Fee is Charged
- Simple and Easy-to-Use Cashback
Reward Rate:
- 2% Unlimited cashback (1% on purchases, 1% on payments)
Other Information:
- The cash advance fee is 5% or $10
- Charges 3% International Transaction Fee
Pros & Cons of Citi Double Cash® Card
| Pros | Cons |
|---|---|
| Offers Cashback of about 2% to its users on every purchase. | The full balance needs to be paid to get the full reward payment. |
| It does not have any intro balance transfer fee. | A 3% transaction fee makes this card a poor choice for cardholders. |
| It does not charge any annual fee. | – |
| $200 initial rewards bonus. | – |
Methodology
We’ll contrast how much you can earn on everyday purchases, dining, and travel categories to show the rewards-earning potential. Some Citibank cards offer enormous sign-up bonuses for new customers. The article contrasts the value of these bonuses and the terms. Not all reward programs are the same. It is simple to redeem rewards for cash back, gift cards, or travel. The cost of each card, including annual fees, and whether or not the rewards and perks are worth the price. Some cards include extra benefits like travel insurance, purchase protection, or concierge services. We’ll highlight the uniqueness of all the benefits when appropriate.
Choosing the Best Citibank Credit Cards for Rewards?
When selecting the best Citibank rewards credit cards, the following are factors to consider:
- Rewards Earning Potential: The best-used Citibank rewards credit cards have high earning capacities in particular categories such as travel, dining, and everyday purchases. For example, the Citi Premier® Card rewards 3 points per dollar on travel purchases, and the Citi Rewards+℠ Card rounds up to the nearest 10 points for all purchases.
- Sign-Up Bonuses: Get the best Citibank rewards cards with large sign-up bonuses that help you get ahead in rewards earning. Cards such as the Citi Premier® Card reward high bonuses on reaching a set spending requirement.
- Annual Fees: The best Citibank rewards cards are offered free of an annual fee, such as the Citi Rewards+℠ Card, but others come with a fee for added benefits. Make sure the rewards earned are worth the card’s cost.
- Flexible Redemption Options: Citibank rewards should be convenient and easy to earn. Choose cards with the option to redeem points in several options such as statement credits, gift cards, travel, or merchandise. Cards such as the Citi Double Cash Card make cashback redemption simple on any purchase.
- Bonus Categories: Citibank rewards credit cards are offered with rotating or fixed bonus categories to earn rewards. The Citi Custom Cash℠ Card rewards 5% cashback in the category where you spend the most per month, which is ideal for users who want to earn more in a flexible way.
- Added Cardholder Benefits: Consider the added benefits the best Citibank rewards cards offer. Some cards offer benefits such as travel insurance, purchase protection, and special access to events, which can prove useful for the card.
Considering these aspects, it becomes very easy to find the most popular Citibank rewards credit cards that suit your spending habits and can help you earn your maximum rewards potential.
Why Do You Need a Credit Card for Rewards?
Rewards credit cards are a necessity for maximizing your everyday spending. Not only do they offer a convenient payment method, but they also offer a way to earn valuable rewards. Citibank credit cards, for example, offer cashback and travel rewards, so you can earn money back on your purchases or accumulate points that can be used to cover the cost of flights, hotel stays, or other travel expenses.
For others, a rewards credit card is simply a matter of taking advantage of spending that would occur anyway. Whether you’re buying groceries, flying, or dining out, you can earn rewards that cover future expenses. And many reward cards offer sign-up bonuses that can provide instant value, often hundreds of dollars. This makes them a great way to earn rewards without actually changing the way you spend. Ultimately, a rewards credit card is about getting something extra for the purchases you’re already making, making it a necessity for financially savvy consumers.
Does Citibank Offer Rewards On Credit Cards?
Yes, Citibank has credit cards that offer dedicated rewards. Most widely recommended is the Citi Rewards+ Card, with a simple rewards structure ensuring a good user experience for young adults who are taking their first step into the world of credit. The card entails no annual fee and offers to earn two ThankYou Points on every dollar spent at supermarkets and gas stations of up to $6,000 per year, after which only one point per dollar is earned on further purchases.
What makes Citibank really different is that they are really serious about making credit cards accessible for young adults all over the country, with features instilled that help build sound financial habits. The Citi Rewards+ card allows for rounding purchases to the nearest 10 points, which means students will also get more rewards on smaller purchases. Citibank also offers resources such as educational materials and customer support that help individuals learn how to use credit responsibly, making their cards a wise tool for young consumers.
How Do Citibank Credit Cards Help in Rewards?
Citibank credit cards take great consideration for cardholders to earn rewards across differing spends. With Citibank rewards cards, customers earn points or cashback on purchases, be it for traveling, grocery shopping, or dining. Such reward programs are beneficial because they allow one to redeem points flexibly- whatever best suits personal preferences for travel, gift cards, or even statement credits.
The importance of these rewards makes future purchases less costly. Cashback earned on small purchases can be put toward the credit card’s balance or saved up for something big. Similarly, travel reward credit cards allow account holders to build towards miles that they can redeem on flights, hotel stays, or even exclusive experiences. Citibank’s rewards system is compelling enough for loyalty to grow, thereby ensuring that consumers maximize their spending to its fullest potential.
Choosing the right Citibank rewards card for your lifestyle can turn your everyday purchases into sought-after rewards to save money, afford travel, or splurge on something special.
Advantages of Citibank Credit Cards for Rewards
- Significant Sign-Up Bonuses – Citibank credit cards usually offer handsome sign-up bonuses that provide substantial immediate value.
- Endless Possibilities for Redemption – Redeem rewards for cash, travel, merchandise, or even gift cards-giving users some flexibility.
- Earn Rewards on Your Everyday Spending – Whether the expenses entail shopping for groceries, gas, or dining out, rewards accrue for these expenses.
- Additional Perks – Many Citibank cards come with perks like purchase protection, travel insurance, and entry to exclusive events, thereby increasing their value.
FAQs!
What are the best Citibank credit cards for earning travel rewards?
Citibank offers a variety of credit cards for travel rewards, including the Citi Premier® Card, which provides 3 points per dollar on travel-related purchases and other valuable travel perks like no foreign transaction fees and access to global travel services.
Do Citibank credit cards have foreign transaction fees?
Citibank credit cards like the Citi Premier® Card and Citi Rewards+ Card do not charge foreign transaction fees, making them ideal for international travelers.
How can I redeem my Citibank rewards points?
Citibank allows cardholders to redeem rewards points in several ways, including for statement credits, travel bookings through the Citi Travel portal, or gift cards to a wide range of merchants.
Are there annual fees for Citibank credit cards?
Some Citibank cards do charge an annual fee, like the Citi Premier® Card, but others, like the Citi Rewards+ Card, come with no annual fee, making them a cost-effective choice for earning rewards.
How can I maximize rewards with a Citibank credit card?
To maximize rewards, consider using a Citibank credit card for specific spending categories where you can earn bonus points, such as dining or travel, and take advantage of any sign-up bonuses and special promotions.