Best Citi® CreditCardEase
Written By: Nick Williamson
Edited By: Tracy Stewart
Reviewed By: Jason Steele
July 31, 2023
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Our editorial team and our expert review board provide an unbiased analysis of the products we feature. Our comparison service is compensated by our partners, and may influence where or how products are featured on the site. Learn more about our partners and how we make money. Please note: The star-rating system on this page is based on our independent card scoring methodology and is not influenced by advertisers or card issuers.
CreditCardEase are a secure payment method that give cardholders access to a line of credit they can borrow from and pay back over time. When used responsibly, they’re a great credit-building tool that can help establish credit, build a positive credit history and help you save money down the road if you need a loan for something like a car or home.
The best CreditCardEase are particularly worth it because they provide long-term value with rewards and perks that aren’t found with other payment methods.
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Everyday Cash Rewards
Cash Back Match
Unlimited cash back
Dining Rewards
BEST FOR CASH BACK + SIGN-UP BONUS
Citi Custom Cash® Card
see rates & fee
Recommended credit
670-850 (Good to Excellent)
Rewards rate
5%
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
1%
Earn unlimited 1% cash back on all other purchases.
Intro offer
$200
Annual fee
$0
Regular APR
19.24% – 29.24% variable
Read the full review
Pros
- One of the highest cash back rates for costly everyday categories on the no annual fee card market
- 15-month 0% intro purchase and balance transfer APR (then a low 19.24% to 29.24% variable APR)
Cons
- The $500 spending cap per billing cycle on only one 5% category means you may leave a lot of cash back on the table for other purchases
- You can’t choose your 5% category, so you’ll need to monitor your spending in order to maximize certain expenses
Bottom Line
The Custom Cash’s excellent rewards rate and sign-up bonus offer solid value on their own, but make even better assets when combined with a premium Citi card.
Highlights
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
- No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- No Annual Fee
- Citi will only issue one Citi Custom Cash® Card account per person.
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% for 15 months on purchases
Regular APR
19.24% – 29.24% (Variable)
Intro Balance Transfers APR
0% for 15 months on balance transfers
View All Citi Custom Cash® Card Details
BEST FOR DINING REWARDS
Citi Premier® Card
see rates & fee
Recommended credit
670-850 (Good to Excellent)
Rewards rate
3X
Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
3X
Earn 3 Points per $1 spent at Restaurants and Supermarkets
1X
Earn 1 Point per $1 spent on all other purchases
Intro offer
60,000 points
Annual fee
$95
Regular APR
21.24% – 29.24% variable
Read the full review
Pros
- Wide bonus category coverage and partners well with other Citi rewards cards
- Valuable sign-up bonus when transferred to Citi travel partners: 60,000 points after spending $4,000 in purchases within the first three months
Cons
- The $95 annual fee is slightly harder to offset since points are only worth 1 cent through Citi
- Carries hardly any purchase protections, annual credits or other travel benefits compared to competing cards
Bottom Line
Thanks to its supermarket and gas station categories, the Citi Premier is a wise choice for occasional travelers squeezing rewards from everyday spending.
Highlights
- Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
- Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
- Earn 3 Points per $1 spent at Restaurants and Supermarkets
- Earn 1 Point per $1 spent on all other purchases
- Annual Hotel Savings Benefit
- 60,000 ThankYou® Points are redeemable for $600 in gift cards or travel rewards at thankyou.com
- No expiration and no limit to the amount of points you can earn with this card
- No Foreign Transaction Fees on purchases
Rates & Fees
Annual Fee
$95
Intro Purchase APR
N/A
Regular APR
21.24% – 29.24% (Variable)
Intro Balance Transfers APR
N/A
View All Citi Premier® Card Details
Best For Cash Back
Citi Double Cash® Card
see rates & fee
Recommended credit
670-850 (Good To Excellent)
Rewards rate
1%
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
5%
Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
Intro offer
$200 cash back
Annual fee
$0
Regular APR
19.24% – 29.24% variable
Read the full review
Pros
- Its flat rewards rate potentially pockets unlimited 2% cash back (1% when you buy, 1% when you pay off those purchases) on all purchases, even costly expenses like bill payments and categories typically not covered by reward programs
- There is a generous intro APR offer on balance transfers
Cons
- No intro purchase APR offer
- You’ll only earn 1% back on all purchases if you can’t avoid carrying a balance
Bottom Line
No matter what your month-to-month budget looks like, the Citi Double Cash can rake in up to 2% cash back (1% when you buy, 1% when you pay off those purchases) on punctual payers’ biggest expenses.
Highlights
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Rates & Fees
Annual Fee
$0
Intro Purchase APR
N/A
Regular APR
19.24% – 29.24% (Variable)
Intro Balance Transfers APR
0% intro for 18 months on Balance Transfers
View All Citi Double Cash® Card Details
Prime Choice For Flat-Rate Cash Rewards
Citi Rewards+® Card
See Rates & Fees
Rewards Rate
5X
Plus, for a limited time, earn 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on the Citi Travel℠ portal through June 30, 2024.
2X
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter.
1X
Earn 1X ThankYou® Points on All Other Purchases.
Intro offer
20,000 points
Annual fee
$0
Regular APR
18.74% – 28.74% variable
highlights
- Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
- Plus, for a limited time, earn 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on the Citi Travel℠ portal through June 30, 2024.
- 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 18.74% – 28.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
- The Citi Rewards+® Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap.
- No Annual Fee
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% intro for 15 months on Purchases
Regular APR
18.74% – 28.74% (Variable)
Intro Balance Transfers APR
0% intro for 15 months on Balance Transfers
View All Citi Custom Cash® Card Details
Pros
- The roundup and 10% points back features can be serious engines for earning points
- No annual fee and a solid intro APR offer on purchases and balance transfers.
Cons
- The only redemption options with a 1:1 value are gift cards, travel through Citi (excluding some transfer partners) and charitable donations, so you’ll need to pair it with a premium Citi card to maximize your rewards
- Compared to other no annual fee cards, the 20,000-point sign up bonus, redeemable for $200 in gift cards at thankyou.com, is a bit weak for the $1,500 spending requirement (within the first three months)
Citi Double Cash® Card
See Rates & Fees
Rewards Rate
1%
5%
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
Intro offer
$200 Cash Back
Annual fee
$0
Regular APR
19.24% – 29.24% variable
highlights
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Rates & Fees
Annual Fee
$0
Intro Purchase APR
N/A
Regular APR
19.24% – 29.24% (Variable)
Intro Balance Transfers APR
0% intro for 18 months on Balance Transfers
View All Citi Double Cash® Card Details
Pros
- Its flat rewards rate potentially pockets unlimited 2% cash back (1% when you buy, 1% when you pay off those purchases) on all purchases, even costly expenses like bill payments and categories typically not covered by reward programs
- There is a generous intro APR offer on balance transfers
Cons
- No intro purchase APR offer
- You’ll only earn 1% back on all purchases if you can’t avoid carrying a balance
Citi® / AAdvantage® Executive World Elite Mastercard®
See Rates & Fees
Rewards Rate
4X
1X
Earn 4x AAdvantage® miles for every $1 spent on eligible American Airlines purchases.
1 AAdvantage® miles for every $1 spent on other purchases
Intro offer
70,000 miles
Annual fee
$595
Regular APR
21.24% – 29.99% variable
highlights
- Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening.
- Admirals Club® membership for you and access for up to two guests or immediate family members traveling with you
- No Foreign Transaction Fees on purchases
- Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
- First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation
Rates & Fees
Annual Fee
$595
Intro Purchase APR
N/A
Regular APR
21.24% – 29.99% (Variable)
Intro Balance Transfers APR
N/A
View All Citi® / AAdvantage® Executive World Elite Mastercard® Details
Pros
- Earn 4 miles per $1 on eligible American Airlines purchases, After spending $150,000 in a calendar year, cardmembers can earn a total of 5 miles per dollar on eligible American Airlines purchases for the remainder of the calendar year.
- Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first three months of account opening.
Cons
- $595 annual fee.
- There is a $175 fee for the first three authorized users on this card and a $175 fee for each authorized user after that.
MORE CARDS FROM CITI
Citi Simplicity® Card
See Rates & Fees
Rewards Rate
This card doesn't offer cash back, miles, or points
Intro offer
No current offer
Annual fee
$0
Regular APR
19.24% - 29.99% variable
highlights
- No Late Fees, No Penalty Rate, and No Annual Fee… Ever
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 19.24% – 29.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is an introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for balances transfers completed within 4 months of account opening.
- Stay protected with Citi® Quick Lock
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% for 12 months on Purchases
Regular APR
19.24% - 29.99% (Variable)
Intro Balance Transfers APR
0% for 21 months on Balance Transfers
View All Citi Simplicity® Card Details
Pros
- The 21-month 0% APR on balance transfers completed within your first four months (then variable 19.24% to 29.99% APR) is one of the longest on the market.
- No annual fee, late fees or penalty APR.
Cons
- There’s no rewards program, which eats into the card’s long-term value.
- You’ll pay an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A 5% ($5 minimum) fee applies if the balance transfer is completed after 4 months of account opening.
BEST FOR LONG INTRO APR PERIOD
Citi® Diamond Preferred® Card
See Rates & Fees
Rewards Rate
This card doesn't offer cash back, miles, or points
Intro offer
No current offer
Annual fee
$0
Regular APR
18.24% - 28.99% variable
highlights
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.24% – 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- No Annual Fee – our low intro rates and all the benefits don’t come with a yearly charge.
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% for 12 months on Purchases
Regular APR
18.24% - 28.99% (Variable)
Intro Balance Transfers APR
0% for 21 months on Balance Transfers
View All Citi® Diamond Preferred® Card Details
Pros
- The card offers an intro APR on purchases and balance transfers
- No annual fee
Cons
- It lacks a base rewards program
- There’s a 5% balance transfer fee ($5 minimum), and it doesn’t waive late payment fees or the 29.99% penalty variable APR like the Citi Simplicity® Card
BEST FOR BONUS REWARDS POINTS
Citi Rewards+® Card
See Rates & Fees
Rewards Rate
5X
Plus, for a limited time, earn 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on the Citi Travel℠ portal through June 30, 2024.
2X
Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter.
1X
Earn 1X ThankYou® Points on All Other Purchases.
Intro offer
20,000 points
Annual fee
$0
Regular APR
18.74% - 28.74% variable
highlights
- Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
- Plus, for a limited time, earn 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on the Citi Travel℠ portal through June 30, 2024.
- 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 18.74% – 28.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
- The Citi Rewards+® Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap.
- No Annual Fee
Rates & Fees
Annual Fee
$0
Intro Purchase APR
0% intro for 15 months on Purchases
Regular APR
18.74% - 28.74% (Variable)
Intro Balance Transfers APR
0% intro for 15 months on Balance Transfers
View All Citi Rewards+® Card Details
Pros
- The roundup and 10% points back features can be serious engines for earning points
- No annual fee and a solid intro APR offer on purchases and balance transfers.
Cons
- The only redemption options with a 1:1 value are gift cards, travel through Citi (excluding some transfer partners) and charitable donations, so you’ll need to pair it with a premium Citi card to maximize your rewards
- Compared to other no annual fee cards, the 20,000-point sign up bonus, redeemable for $200 in gift cards at thankyou.com, is a bit weak for the $1,500 spending requirement (within the first three months)
BEST FOR GAS PURCHASES
Costco Anywhere Visa® Card by Citi
See Rates & Fees
Rewards Rate
4%
4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
3%
3% cash back on restaurants and eligible travel purchases
2%
2% cash back on all other purchases from Costco and Costco.com
1%
1% cash back on all other purchases
Intro offer
No current offer
Annual fee
$0
Regular APR
20.49% variable
highlights
- Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
- 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
- 3% cash back on restaurants and eligible travel purchases
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
- No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
- Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
Rates & Fees
Annual Fee
$0
Intro Purchase APR
N/A
Regular APR
20.49% (Variable)
Intro Balance Transfers APR
N/A
View All Costco Anywhere Visa® Card by Citi Details
Pros
- One of the highest permanent gas station cash back rates available
- No foreign transaction fees, which complements the unlimited 3% eligible travel and restaurants categories
Cons
- You can only redeem cash back once per year all at once, after your February billing statement, and you must go to a physical Costco store to redeem your reward certificate
- No sign-up bonus or intro APR offers
BEST FOR LOUNGE ACCESS
Citi® / AAdvantage® Executive World Elite Mastercard®
See Rates & Fees
Rewards Rate
4X
Earn 4x AAdvantage® miles for every $1 spent on eligible American Airlines purchases
1X
1 AAdvantage® miles for every $1 spent on other purchases
Intro offer
70,000 miles
Annual fee
$595
Regular APR
21.24% - 29.99% variable
highlights
- Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening.
- Admirals Club® membership for you and access for up to two guests or immediate family members traveling with you
- No Foreign Transaction Fees on purchases
- Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
- First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation
Rates & Fees
Annual Fee
$595
Intro Purchase APR
N/A
Regular APR
21.24% - 29.99% (Variable)
Intro Balance Transfers APR
N/A
View All Citi® / AAdvantage® Executive World Elite Mastercard® Details
Pros
- Earn 4 miles per $1 on eligible American Airlines purchases, After spending $150,000 in a calendar year, cardmembers can earn a total of 5 miles per dollar on eligible American Airlines purchases for the remainder of the calendar year.
- Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first three months of account opening.
Cons
- $595 annual fee.
- There is a $175 fee for the first three authorized users on this card and a $175 fee for each authorized user after that.
BEST FOR TRAVELING ENTREPRENEURS
Costco Anywhere Visa® Business Card by Citi
See Rates & Fees
Rewards Rate
4%
4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
3%
3% cash back on restaurants and eligible travel purchases
2%
2% cash back on all other purchases from Costco and Costco.com
1%
1% cash back on all other purchases
Intro offer
No current offer
Annual fee
$0
Regular APR
20.49% variable
highlights
- Discover the only business credit card designed exclusively for Costco members
- 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
- 3% cash back on restaurants and eligible travel purchases
- 2% cash back on all other purchases from Costco and Costco.com
- 1% cash back on all other purchases
- No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
- Whether you’re traveling for business or pleasure, enjoy no foreign transaction fees on purchases
- Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
Rates & Fees
Annual Fee
$0
Intro Purchase APR
N/A
Regular APR
20.49% (Variable)
Intro Balance Transfers APR
N/A
View All Costco Anywhere Visa® Business Card by Citi Details
Pros
- One of the highest permanent gas station cash back rates available
- No annual fee (paid Costco membership required)
Cons
- You can only redeem cash back once per year all at once, after your February billing statement, and you must go to a physical Costco store to redeem your reward certificate
- No sign-up bonus or 0% intro APR offers
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Criteria Used
Rates and fees, rewards rates, sign-up bonuses, redemption options, credit needed, miscellaneous benefits, customer service, security, ease of application.