Citibank Credit Card Offers
- Compare Citibank credit card offers, a LendingTree.com partner
- Independent ratings and reviews for Citi credit cards
- Annual Fee $95
- APR 21.24% - 29.24% (Variable)
- Rewards Rate 10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com 3x -- Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases 3x -- Earn 3 Points per $1 spent on Restaurants 3x -- Earn 3 Points per $1 spent on Supermarkets 3x -- Earn 3 Points per $1 spent on Gas and EV Charging Stations 1x -- Earn 1 Point per $1 spent on All Other Purchases
- Credit Needed Good / Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
- Est. Intro Rewards $705
- Est. Monthly Rewards $115
- Est. First Year Rewards $2,086
The Bottom Line
The Citi Strata Premier℠ Card has everything you need in a travel rewards credit card with a generous rewards rate, a hefty sign up bonus, and flexible redemption options.
Our Take
The Good
10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com 3x -- Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases 3x -- Earn 3 Points per $1 spent on Restaurants 3x -- Earn 3 Points per $1 spent on Supermarkets 3x -- Earn 3 Points per $1 spent on Gas and EV Charging Stations 1x -- Earn 1 Point per $1 spent on All Other Purchases. The Citi Strata Premier℠ Card has one of the most generous ongoing rewards programs available.
The Not So Good
The spending threshold to earn the sign up bonus is a bit high.
Card Details
- Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
- Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
- Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
- Earn 1 Point per $1 spent on all other purchases
- $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
- No expiration and no limit to the amount of points you can earn with this card
- No Foreign Transaction Fees on purchases
- Annual Fee $0
- APR 19.24% - 29.24% (Variable)
- Rewards Rate 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. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
- Credit Needed Fair / Good / Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
- Est. Intro Rewards $200
- Est. Monthly Rewards $43
- Est. First Year Rewards $712
The Bottom Line
Between its frankly revolutionary rewards program, great sign-up bonus and a host of other customer-centric features, the Citi Custom Cash® Card is a solid choice with few drawbacks.
Our Take
The Good
This card has a suite of rewards tailor-made for folks who are tired of having to constantly opt-in to rewards categories on other cards to maximize their cash back earning potential.
The Not So Good
The $500 spend cap on earning the full 5% cash back each billing cycle can be a drawback for those regularly spend a lot in any given category every month.
Card Details
- 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. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
- 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.
- Annual Fee $0
- APR 21.24% - 29.99% (Variable)
- Rewards Rate Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services. Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases. Earn 1 AAdvantage® mile for every $1 spent on other purchases. Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
- Credit Needed Good / Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
- Est. Intro Rewards $255
- Est. Monthly Rewards $103
- Est. First Year Rewards $1,488
The Bottom Line
If you're a frequent traveler with American Airlines, this card can help you boost your mileage account with every purchase and you won't have to pay an annual fee.
Our Take
The Good
The bonus miles on groceries can be a nice way to earn rewards faster. Plus, the 25% savings on inflight food and beverage purchases can go a long way if you're a frequent flyer.
The Not So Good
The sign up bonus is relatively small compared to other airlines credit cards, but that's not unusual considering there is no annual fee.
Card Details
- Earn 15,000 American Airlines AAdvantage® bonus miles after making $500 in purchases within the first 3 months of account opening.
- No Annual Fee
- Earn 2 AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services
- Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
- Earn 1 AAdvantage® mile for every $1 spent on other purchases
- Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
- Save 25% on inflight food and beverage purchases when you use your card on American Airlines flights
- Annual Fee $0
- APR 18.74% - 28.74% (Variable)
- Rewards Rate 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.
- Credit Needed Good / Excellent
OFFER VALUATION
Our valuation is an estimate only, based on LendingTree's analysis of average consumer spending habits using data provided by the Bureau of Labor Statistics and each card's unique rewards system. Actual results may vary.
Note that monthly estimates only apply to usage across the first year. Monthly estimates may change after the first year.
- Est. Intro Rewards $200
- Est. Monthly Rewards $68
- Est. First Year Rewards $1,021
The Bottom Line
If you buy gas and groceries, maximize your rewards with this card, plus get a little extra on every purchase with the rounding up feature. This card also comes with generous intro APR on purchases and balance transfers. If you have a big purchase, take advantage of the long 0% intro APR period, and pay down your balance with no interest charges piling up. Get a better interest rate when you transfer your balance to this card with intro APR 0% intro APR for 15 months on Balance Transfers. Every penny of your payment will go towards paying down your principal during the intro period, which can help you get out of debt faster.
Our Take
The Good
The rounding up feature ensures you’ll get an extra boost to your rewards on everything you buy. There is a relative low spending requirement to earn the sign-up bonus. 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. Special offer: earn 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025. Redeem your points for gift cards for nearly 100 different popular brands. The combination of long 0% intro APR, sign-up bonus and healthy rewards rate on Gas Stations and Supermarkets make this a good choice if you buy gas and groceries and don’t want to pay an annual fee.
The Not So Good
There are cards with higher rewards rates and bigger sign-up bonuses, but they typically charge an annual fee. The 2x earnings on supermarkets and gas stations is capped at $6,000 per year.
Card Details
- 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, as a special offer, earn a total of 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.
- 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
Editorial Note: This content is not provided or commissioned by the credit card issuer. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.