With Chase and American Express crushing it in the credit-card rewards world, Citibank doesn’t get as much attention from consumers. And it’s a shame because Citi offers some great rewards cards for every type of a cardholder out there. Whether you’re a cashback collector or a travel junkie, Citi has got an option for you. Let’s take a look at which Citi credit card might benefit you.
For Cash Back Chasers: Citi Double Cash Card
The Citi Double Cash Card is one of the most, if not the most, rewarding cashback credit cards on the market right now. This card earns 2 percent cash back on all purchases with no caps or limits. You get 1 percent back after making a purchase and then another 1 percent back after paying your bill.
The Citi Double Cash credit card recently introduced a welcome offer of $100 cash bonus. To earn the bonus, all you need to do is spend $500 on the card in the first three months of account opening. And the best part is, this card doesn’t charge annual fees, so all your double rewards are totally free!
For Casual Travelers: Citi ThankYou Premier Card
For a limited time, new Citi ThankYou Premier credit cardholders can earn 50,000 ThankYou Points after spending $4,000 on the card in the first three months. The points can be transferred to an array of airline partners, including Air France/KLM Flying Blue, JetBlue TrueBlue and Singapore Airlines KrisFlyer, to name a few.
The earning structure on the card is great, and you can rack up a lot of rewards. The Citi Premier Card earns 3X points per dollar spent on travel, including fuel stations, 2X points per dollar spent on entertainment and dining, and 1X point per dollar spent in all other categories. When used through the ThankYou Travel Center, ThankYou Points are worth 1.25 cents apiece. The card’s annual fee of $95 is waived for the first year, which makes it a great card for travelers who take two or three trips per year.
For Avid Travelers: The Citi Prestige
The Citi Prestige Card is designed with a frequent traveler in mind. This premium travel credit card and its high annual fee of $450 might be intimidating to some, but trust me—the benefits more than outweigh the fee.
First of all, the card comes with a $250 air travel credit, which can be used toward any airfare purchase. The card also offers a 4th Night Free benefit to those who pay for hotel stays. Every time you book a stay of at least four nights through either the ThankYou Travel Center or a concierge, one of the nights is free, based on the average nightly cost. You can save a lot of money this way.
With The Citi Prestige Card, you will earn 3X ThankYou Points per dollar spent on air travel and hotels, 2X points per dollar spent on dining and entertainment, and 1X point on everything else, which are worth 1.25 cents when redeemed through the Citi travel portal. The card also comes with a Global Entry or TSA PreCheck application fee credit and Priority Pass lounge access.
For Road Warriors Who Fly American Airlines: Citi / AAdvantage Executive World Elite MasterCard
This co-branded airline credit card is designed for frequent travelers who fly American Airlines the most, perhaps business travelers stuck in AA hubs. The Citi / AAdvantage Executive card’s main perk is the Admirals Club membership for primary cardholders and authorized users. If you’re unfamiliar with the perk, you can access Admiral Club even if you’re not flying American Airlines, which can really enhance your travel experience.
The Citi AA Executive credit card earns 2X miles per dollar spent directly with American Airlines and 1X mile per dollar spent on all other purchases. The card has a $450 annual fee but also comes with a Global Entry/TSA application credit and offers a savings of 25 percent made in-flight while on AA-operated aircraft.
What is your favorite Citi credit card and who is it best for?
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