The Best Citi Credit Cards for Rewards, Perks, and Cash-Back [2026]

This guide compares Citi’s best credit cards across travel, cash-back, American Airlines, business, and 0% APR categories. Each card entry includes current earning rates and annual fees, so you can match a card to your spending habits and rewards goals, whether you want Citi ThankYou Points, straightforward cash-back, or American Airlines AAdvantage miles.

Quick Overview: Best Citi Credit Cards

Citi’s lineup falls into 3 groups: no-annual-fee cash-back and rewards cards, premium ThankYou Points travel cards, and co-branded American Airlines cards.

The Citi Double Cash^® Card earns a flat 2% cash-back (1% cash back when you buy, plus an additional 1% as you pay) and is Citi’s main everyday cash-back card, with no categories to track. The Citi Strata℠ Card has a $0 annual fee and earns up to 5x ThankYou Points, including 3x at supermarkets, gas, and on a category you select yourself.

The Citi Strata Premier^® Card is the midtier travel card, earning up to 10x points through Citi Travel with a $95 annual fee.

The Citi Strata Elite℠ Card is the premium travel card with a $595 annual fee, adding lounge access and annual statement credits.

Citi ThankYou Points reach their highest value when a no-annual-fee earner is paired with a premium card to unlock transfer partners at full ratios.

Best Citi Credit Cards: Overview

Best Card for Travel

Citi Strata Elite Card

Terms Apply / Rates & Fees

Citi Strata Elite℠ Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Citi Strata Elite card is Citi's most premium card built for frequent travelers and foodies.

Apply Now(at our partner's secure site)

Citi Strata Elite℠ Card

The Citi Strata Elite card is Citi's most premium card built for frequent travelers and foodies.

Welcome Offer

Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.

75,000 Points

UP's Offer Valuation*:

Up to $1,200

Annual Fee

$595

APR

20.49% to 28.49% Variable

Why We Like This Card

The Citi Strata Elite card is a great option for frequent travelers, foodies, and those who are fans of the Citi ThankYou Rewards ecosystem thanks to its combination of bonus categories, perks, and annual credits.

Pros & Cons

Pros

• 12x points on hotels, rental cars, and attractions booked through Citi Travel
• 6x points on airfare through Citi Travel
• 6x points on dining on Citi Nights (Friday and Saturday nights from 6 p.m. to 6 a.m.) and 3x points on dining at all other times

Cons

• $595 annual fee
• Boosted dining rewards are limited to 2 nights per week

Read Full Review

Card Highlights

• Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.
• Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com
• Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time
• Earn 1.5 Points per $1 spent on All Other Purchases
• Up to $300 Annual Hotel Benefit: Each calendar year, enjoy up to $300 off a hotel stay of two nights or more when booked through cititravel.com.
• No Foreign Transaction Fees

Financial Snapshot

• APR: 20.49% to 28.49% Variable
• Foreign Transaction Fees: None

The Citi Strata Elite card is a premium offering from the bank that offers enticing benefits for travelers, including airport lounge access, multiple annual statement credits that can offset the annual fee, a Global Entry or TSA PreCheck credit, and so on. Plus, Citigold and Citigold Private Client customers receive a discount on their annual fees.

The points-earning potential is notable, too, with 12x points on hotels, car rentals, and attractions booked through Citi Travel, 6x points on flights booked through Citi Travel, 6x points on restaurants, including restaurant delivery services, every Friday and Saturday from 6 p.m. to 6 a.m. Eastern time (3x points any other time), and 1.5x points on all other eligible purchases.

Citi Strata Premier Card

Terms Apply / Rates & Fees

Citi Strata Premier^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Apply Now(at our partner's secure site)

Citi Strata Premier^® Card

Welcome Offer

Earn 60,000 bonus ThankYou^® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.

60,000 Points

UP's Offer Valuation*:

$960

Annual Fee

$95

APR

19.49% to 27.49% Variable

Why We Like This Card

The Citi Strata Premier^® Card is a great all-around travel rewards card that allows you to earn big rewards on a variety of purchases like air travel, at restaurants, supermarkets, gas stations, and more, along with flexible redemption options, all for a modest annual fee.

Pros & Cons

Pros

• 10x points on hotels, car rentals, and attractions booked through CitiTravel.com
• 3x points on air travel, other hotel purchases, restaurants, supermarkets, gas stations, and EV charging stations
• $100 annual hotel benefit

Cons

• $95 annual fee

Read Full Review

Card Highlights

• Earn 60,000 bonus ThankYou^® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 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

Financial Snapshot

• APR: 19.49% to 27.49% Variable
• Foreign Transaction Fees: None

Earning rewards on the purchases you make, including travel, and being able to redeem those rewards for the same, would be top requirements for a travel rewards credit card. The Citi Strata Premier card does all of that and more.

With elevated earnings on everyday purchases such as at supermarkets, gas stations, EV charging stations, and dining, ThankYou Points will accumulate quickly. We like that the points can be redeemed directly for travel or transferred to airline and hotel partners for potentially even greater value.

To learn more about the Citi Strata Premier card and its benefits for travelers, check out our expanded article on the top benefits of having the card.

Bottom Line:

The Citi Strata Premier card is a good choice for earning valuable ThankYou Points if your spending mix aligns with the bonus earning categories.

Citi Strata Card

Terms Apply / Rates & Fees

Citi Strata℠ Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Apply Now(at our partner's secure site)

Citi Strata℠ Card

Welcome Offer

Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.

20,000 Points

UP's Offer Valuation*:

$320

Annual Fee

$0

APR

0% intro APR on purchases and balance transfers for 15 months, and then a variable APR 18.49% to 28.49%.

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The Citi Strata card offers a fresh way to earn Citi ThankYou Points with a $0 annual fee, allowing you to maximize your spend at gas stations, supermarkets, and more.

Pros & Cons

Pros

• 5x points on hotels, car rentals, and attractions booked on CitiTravel.com
• 3x points at supermarkets, select transit, gas and EV charging stations, and an eligible self-select category of your choice (fitness clubs, select streaming services, live entertainment, cosmetic stores/barber shops/hair salon or pet supply stores)
• 2x points at restaurants

Cons

• Doesn’t offer the best transfer ratio to Citi’s airline and hotel partners
• Charges foreign transaction fees

Read Full Review

Card Highlights

• Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
• 0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 18.49% – 28.49%, 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 3 ThankYou^® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
• Earn 5 ThankYou^® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel^® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.
• Earn 2 ThankYou^® Points for each $1 spent at Restaurants; earn 1 ThankYou^® Point for each $1 spent on All Other Purchases.
• No Annual Fee

Financial Snapshot

• APR: 0% intro APR on purchases and balance transfers for 15 months, and then a variable APR 18.49% to 28.49%.
• Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase

Rewards Center

Citi ThankYou Rewards

The Citi Strata card earns 3x rewards on a variety of everyday purchases like groceries, gas, and transit, without charging an annual fee.

Best Airline Cards

If American Airlines is your preferred airline, having a Citi AAdvantage credit card can add value with flight benefits, lounge access, accelerated earnings, and much more.

American Airlines includes spending on co-branded credit cards as counting toward Loyalty Points for AAdvantage elite status (Source: American Airlines). This makes having an AAdvantage-branded card a huge benefit if elite status is important to you.

Here are 3 of the top American Airlines-branded Citi cards that can make your travels more comfortable and provide ongoing benefits:

AAdvantage Executive World Elite card

Citi^® / AAdvantage^® Executive World Elite Mastercard^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Access to Admirals Clubs, tons of added benefits, and a way to spend towards elite status make this a great option for American Airlines loyalists.

All information about Citi^® / AAdvantage^® Executive World Elite Mastercard^® has been collected independently by Upgraded Points.

Citi^® / AAdvantage^® Executive World Elite Mastercard^®

Access to Admirals Clubs, tons of added benefits, and a way to spend towards elite status make this a great option for American Airlines loyalists.

Welcome Offer

Earn 70,000 American Airlines AAdvantage^® bonus miles after $7,000 in purchases in the first 3 months of account opening.

70,000 miles

UP's Offer Valuation*:

$980

Annual Fee

$595

APR

19.49% to 29.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent (670-850)

Why We Like This Card

The AAdvantage Executive World Elite card is a must-have for frequent American Airlines flyers who want Admirals Club lounge access, to earn more miles on their daily expenses, and a fast-track to American Airlines AAdvantage elite status.

Pros & Cons

Pros

• Earn 10x miles on eligible hotels and car rentals booked through aadvantagehotels.com and aadvantagecars.com
• Earn 4x miles on eligible American Airlines purchases, and 5x miles after you spend $150,000 in purchases in a calendar year
• Earn 1x mile and 1 Loyalty Point on all other purchases

Cons

• $595 annual fee
• Doesn’t earn many miles on all other eligible purchases

Read Full Review

Card Highlights

• Earn 70,000 American Airlines AAdvantage^® bonus miles after $7,000 in purchases in 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

Financial Snapshot

• APR: 19.49% to 29.49% Variable
• Foreign Transaction Fees: 

Rewards Center

American Airlines AAdvantage Frequent Flyer Program

The AAdvantage Executive World Elite card is top of the line when it comes to AAdvantage credit cards.

If you fly frequently with American Airlines and want extensive travel perks, lounge access, and priority treatment, the card will add value to your travel life. A new annual household membership to the American Airlines Admirals Club lounge, for example, costs up to $1,650 (depending on your American Airlines AAdvantage program status), so receiving complimentary lounge membership alone is worth the card’s annual fee (Source: American Airlines).

Also, consider the flight benefits of priority check-in, security, and boarding, plus the savings of having a free checked bag for you and your traveling companions.

Hot Tip:

Learn more about all the key benefits of the AAdvantage Executive World Elite card in our article that goes more in depth. 

AAdvantage Globe Card

Occupying the middle ground between AAdvantage’s top-tier and beginner-friendly cards, the AAdvantage Globe card is geared toward frequent AA flyers who want to achieve higher status with the AA loyalty program but don’t expect to reach the stratospheric levels of American Airlines travel you’d want to aim for with the AAdvantage Executive World Elite card.

The AAdvantage Globe card comes with the ability to receive 5,000 Loyalty Points after every 4 AA flights (up to 15,000 Loyalty Points per qualification year), free checked bags on domestic AA flights for you and up to 8 companions on the same reservation, a companion certificate for $99 plus taxes and fees, and 4 annual Admirals Club lounge passes, among other benefits, but it also has an annual fee you shouldn’t sneeze at.

AAdvantage Platinum Select World Elite Card

Citi^® / AAdvantage^® Platinum Select^® World Elite Mastercard^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Status lovers will enjoy the variety of benefits that come with this card. From free bags to reduced-price inflight beverages, AA still flies in style.

All information about Citi^® / AAdvantage^® Platinum Select^® World Elite Mastercard^® has been collected independently by Upgraded Points.

Citi^® / AAdvantage^® Platinum Select^® World Elite Mastercard^®

Status lovers will enjoy the variety of benefits that come with this card. From free bags to reduced-price inflight beverages, AA still flies in style.

Welcome Offer

For a limited time, earn 80,000 American Airlines AAdvantage^® bonus miles after $3,500 in purchases within the first 4 months of account opening.

80,000 miles

UP's Offer Valuation*:

$1,120

Annual Fee

$0 intro annual fee, $99 after the first year

APR

19.49% to 29.49% Variable

Why We Like This Card

The AAdvantage Platinum Select World Elite card is a great option for American Airlines frequent flyers who want to earn more miles on their daily purchases and score perks such as free checked bags, preferred boarding, and savings on inflight food and beverage purchases.

Pros & Cons

Pros

• 2x miles at restaurants, gas stations, and eligible American Airlines purchases
• 1x miles on all other purchases
• 1x Loyalty Point per $1 spent on all purchases

Cons

• Does not earn transferable rewards
• Charges an annual fee

Read Full Review

Card Highlights

• For a limited time, earn 80,000 American Airlines AAdvantage^® bonus miles after $3,500 in purchases within the first 4 months of account opening.
• Earn 2 AAdvantage^® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases.
• Earn 1 Loyalty Point for every 1 eligible AAdvantage^® mile earned from purchases.
• No Foreign Transaction Fees.
• First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation.
• Enjoy preferred boarding on American Airlines flights.

Financial Snapshot

• APR: 19.49% to 29.49% Variable
• Foreign Transaction Fees: 0%

Rewards Center

American Airlines AAdvantage Program

If Admirals Club lounge access isn’t important to you or if you’re looking for an AAdvantage credit card that offers plenty of American Airlines benefits without a high annual fee, consider the AAdvantage Platinum Select World Elite card.

The card comes with priority check-in, security, boarding privileges, and a free checked bag for you and 4 traveling companions on the same reservation.

Plus, you earn 2x miles at gas stations, restaurants, and on American Airlines purchases.

Best Cards for Cash-Back

Cash-back credit cards earn the most flexible rewards currency, and that’s a great reason to have one in your wallet for everyday purchases. To help you select a cash-back card that matches up with your spending habits, we’ve compiled a comprehensive list of Citi’s best cash-back cards, including their perks and benefits.

Citi Double Cash Card

Terms Apply / Rates & Fees

Citi Double Cash^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

Apply Now(at our partner's secure site)

Citi Double Cash^® Card

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

Welcome Offer

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.

$200 cash back

Annual Fee

$0

APR

17.49% to 27.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The Citi Double Cash^® Card has long been one of the top cash-back credit cards on the market, and the card now has the ability to earn Citi ThankYou Points!

This means that cardholders of the Double Cash card will now earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Cash back is earned in the form of ThankYou Points. This means each billing cycle, you will earn 1 ThankYou point per $1 spent on purchases and an additional ThankYou point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.

Citi has turned the Double Cash card into a top choice for those who are looking for an everyday, no-fuss credit card.

Pros & Cons

Pros

• Uncapped 2% for every $1 spent (1% when you buy and another 1% when you pay)
• Flexible redemption options
• No annual fee

Cons

• No bonus categories
• 3% foreign transaction fees

Read Full Review

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.
• 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, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
• Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% – 27.49%, 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).

Financial Snapshot

• APR: 17.49% to 27.49% Variable
• Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase

Rewards Center

Citi ThankYou Rewards

Cash-back is the most flexible type of reward you can earn, and the Citi Double Cash card makes it easy with a total of 2% cash-back (1% when you buy, 1% when you pay) on every purchase you make, plus 5% back on hotels, car rentals, and attractions booked through Citi Travel. That’s about as simple as it gets and explains why the card is so popular.

Cardholders have access to all ThankYou transfer partners. The transfer ratios are reduced, though, so you need a premium ThankYou Points-earning card in order to access the best transfer partner ratios.

Costco Anywhere Card

Costco Anywhere Visa^® Card by Citi

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

All information about Costco Anywhere Visa^® Card by Citi has been collected independently by Upgraded Points.

Costco Anywhere Visa^® Card by Citi

Welcome Offer

None

Annual Fee

$0

APR

18.74% to 26.74% Variable

Why We Like This Card

The Costco Anywhere Visa^® Card by Citi is a great Citi’s cash-back rewards card designed specifically for Costco Members.

Card Highlights

• Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
• 5% cash back on gas at Costco and 4% cash back on other 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

Financial Snapshot

• APR: 18.74% to 26.74% Variable
• Foreign Transaction Fees: None

The Costco Anywhere card can be valuable to Costco members because it earns bonus cash-back on a wide variety of merchants, including gas stations, travel, restaurants, and at Costco. If you look at the earnings for Costco gas and other gas stations and EV charging purchases alone, the 5% or 4% cash-back (up to $7,000 in purchases each year) equates to an up to 20-cent discount on each $4 gallon of gas.

Bottom Line:

Fixed-rate cash-back cards, such as the Double Cash card, can help you earn well on every purchase you make, even those that don’t fall into bonus earning categories. For Costco members, the Costco Anywhere card can help members maximize earnings on everyday purchase categories and at Costco.

Best Cards for Business

Citi business credit cards offer many of the same features and benefits as the personal versions of the card.

AAdvantage Business Card

Citi^® / AAdvantage^® Business™ World Elite Mastercard^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A low annual fee, a free checked bag, and tons of perks and discounts make this card valuable for business owners who frequently travel with American Airlines.

All information about Citi^® / AAdvantage^® Business™ World Elite Mastercard^® has been collected independently by Upgraded Points.

Citi^® / AAdvantage^® Business™ World Elite Mastercard^®

A low annual fee, a free checked bag, and tons of perks and discounts make this card valuable for business owners who frequently travel with American Airlines.

Welcome Offer

Earn 65,000 American Airlines AAdvantage^® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.

65,000 miles

UP's Offer Valuation*:

$910

Annual Fee

$0 intro annual fee for the first year, then $99

APR

19.49% to 28.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Excellent (740-850)

Why We Like This Card

With the Citi^® / AAdvantage Business™ World Elite Mastercard®, you get a card that helps you earn more miles on all of your business expenses, and gives you perks like preferred boarding, free checked bags, and discounts on inflight purchases, while also helping you qualify for higher levels of elite status.

Pros & Cons

Pros

• 2x miles per $1 spent on American Airlines purchases
• 2x miles per $1 spent on cable and satellite providers, at gas stations, on car rentals, and on select telecommunications merchants
• 1 Loyalty Point per $1 spent

Cons

• $0 intro annual fee for the first year, then $99 annual fee
• Does not earn transferable rewards

Read Full Review

Card Highlights

• Designed for businesses.
• Earn 65,000 American Airlines AAdvantage^® bonus miles after spending $4,000 in purchases within the first 4 months of account opening.
• First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line.
• 25% savings on American Airlines inflight Wi-Fi when you use your card.
• Enjoy preferred boarding on American Airlines flights.
• Earn 2 AAdvantage^® miles per $1 spent on eligible American Airlines purchases, and on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations.
• Earn 1 AAdvantage^® mile per $1 spent on other purchases.
• Earn 1 Loyalty Point for every 1 eligible AAdvantage^® mile earned from purchases.
• No Foreign Transaction Fees.

Financial Snapshot

• APR: 19.49% to 28.49% Variable
• Foreign Transaction Fees: None

Rewards Center

American Airlines AAdvantage Frequent Flyer Program

The AAdvantage Business card, for example, offers the same American Airlines flight benefits as the AAdvantage Platinum Select World Elite card. The card also earns 2x miles on certain business purchases, such as those with telecommunications merchants, cable and satellite providers, car rental agents, and at gas stations.

Costco Anywhere Business Card

Costco Anywhere Visa^® Business Card by Citi

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Earn 5% cash-back on Costco gas purchases and 4% cash-back on other gas/EV charging purchases, 3% cash-back at restaurants and travel, 2% cash-back at Costco, and 1% on all other purchases.

All information about Costco Anywhere Visa^® Business Card by Citi has been collected independently by Upgraded Points.

Costco Anywhere Visa^® Business Card by Citi

Earn 5% cash-back on Costco gas purchases and 4% cash-back on other gas/EV charging purchases, 3% cash-back at restaurants and travel, 2% cash-back at Costco, and 1% on all other purchases.

Welcome Offer

None

Annual Fee

$0

APR

18.74% to 26.74% Variable

Pros & Cons

Pros

• 5% back on gas at Costco and 4% back on gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
• 3% back on restaurants and eligible travel, including Costco Travel
• 2% back on purchases from Costco and Costco.com

Cons

• You only receive your cash-back rewards once per year
• The 5% and 4% cash-back on gas purchases is limited to up to $7,000 in combined purchases per year

Read Full Review

Card Highlights

• Discover the only business credit card designed exclusively for Costco members
• 5% cash back on gas at Costco and 4% cash back on other 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

Financial Snapshot

• APR: 18.74% to 26.74% Variable
• Foreign Transaction Fees: None

The Costco Anywhere Business card requires a Costco membership but has a $0 annual fee. You get 5% cash-back on Costco gas purchases and 4% cash-back on gas and EV charging purchases (up to $7,000 in purchases each year), 3% on some travel and dining, and 2% on all those Costco purchases.

Bottom Line:

If you’re a frequent business traveler with American Airlines, you’ll appreciate the travel perks available for you and your travel companions with the AAdvantage Business card. If your business shops at Costco, you’ll find a lot of value in having the Costco Anywhere Business card with cash-back earnings up to 5%, and it comes with no annual fee as long as you have a membership at Costco.

Best Introductory 0% APR Cards

If you’re considering a large purchase or have credit cards carrying high-interest balances, you could save money with a card that offers a 0% APR. Citi shines in this area and issues several cards that carry these valuable offers.

You would save money, because purchases and balance transfers made within the required time period do not incur interest charges if the amounts are paid off prior to the offer expiration date. After that date, regular interest rates apply.

Here are the 2 best Citi cards with 0% APR offerings:

Most credit cards charge transfer fees when you make a balance transfer, so consider these charges before you make the transfer. It’s important to pay off transferred balances before the introductory period expires to avoid interest. You should also pay off purchases before the promotional rate expires to avoid interest charges and fees (Source: Experian).

For more information on 0% APR credit cards, our comprehensive guide to the best 0% APR credit cards has everything you need to know. We also have a guide for the best balance transfer credit cards with 0% introductory APR.

Bottom Line:

If you’re looking to transfer balances from high-interest credit cards and pay the debt off over time with 0% interest, any of these cards can help you facilitate that process. Some of these cards also have promotional 0% APR periods for purchases.

Best Card for Building Credit

Citi^® Secured Mastercard^®

Citi^® Secured Mastercard^®

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A great option for those with little or no credit history and can help you build your credit.

Citi^® Secured Mastercard^®

A great option for those with little or no credit history and can help you build your credit.

Welcome Offer

None

Annual Fee

$0

APR

25.99% Variable

Card Highlights

• The Citi^® Secured Mastercard^® is a no annual fee credit card that helps you build your credit when used responsibly.
• Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus. Once available, you will also have free access to your FICO score online.
• Use your card anywhere Mastercard^® is accepted – worldwide.
• A security deposit is required. Once approved, your credit limit will be equal to your security deposit (minimum of $200).
• Get help staying on track with Auto Pay and account alerts.
• With Flexible Payment Due Dates, you can choose any available due date in the beginning, middle or end of the month.
• Manage your account 24/7 online, by phone, or in our mobile app.

Financial Snapshot

• APR: 25.99% Variable
• Foreign Transaction Fees: 

If your credit history is minimal or you’ve yet to build a strong credit history, Citi has a credit card that can help you.

The no-annual-fee Citi Secured card can be used anywhere Mastercard is accepted. The card does require a security deposit, but since it reports your payment history to all 3 credit bureaus, all those on-time payments you make are reported and reflected positively on your credit report.

Bottom Line:

 If you have little or no credit, a secured credit card can help build your credit history. The Citi Secured card accomplishes this by reporting your payment activity on the card to all 3 credit bureaus, allowing you to see your credit score improve over time.

How to Pair Citi Cards to Maximize Value

Citi ThankYou Points transfer to airline and hotel partners at full 1:1 ratios only from premium cards, such as the Citi Strata Premier card or Citi Strata Elite card. Points earned on the no-annual-fee Citi Strata card or Citi Double Cash card transfer on their own at a reduced 1:0.7 ratio.

That said, you can pool the points earned from these cards with one of your premium Citi ThankYou cards to take advantage of the full transfer rate (Source: Citi).

A common setup pairs the Citi Double Cash card for flat everyday earning and the Citi Strata card for everyday category spending on supermarkets and gas, with a Citi Strata Premier card or Citi Strata Elite card to take advantage of their travel benefits.

Everything Else You Need To Know

ThankYou Points

ThankYou Points are a valuable rewards currency, but not all ThankYou Points have equal value. For some great ideas on how to earn ThankYou Points and keep your points active, we’ve put together a guide to the best ways to earn lots of ThankYou Points.

For everything you need to know to maximize Citi ThankYou Points redemptions, read our guide to the best ways to redeem ThankYou Points for maximum value. Cardholders of premium Citi credit cards, such as the Citi Strata Premier card and the Citi Strata Elite card, can transfer points to airline and hotel partners at the best ratios. Citi ThankYou Points can be also be redeemed for gift cards, merchandise, statement credits, and charitable donations.

We’ve also created an article of frequently asked questions regarding Citi ThankYou Points that explains everything about how the points work.

Citi Shopping Benefits and Protections

Protections and benefits vary by Citi credit card, and not all cards have these benefits:

• Citi Merchant Offers
• Damage and theft purchase protection
• Return protection
• Cell phone protection

Citi Travel Benefits and Protections

In 2025, Citi reinstated travel insurance protections and extended warranties on several credit cards. Consult your card’s guide to benefits for information about your card.

Final Thoughts

Citi is strongest for flat-rate and category cash-back and long 0% introductory APR offers. Its travel value comes from pairing a no-annual-fee ThankYou Points earner with a premium Strata card to reach transfer partners at full ratios. Selecting which card is right for you depends on your unique spending mix and whether you want access to Citi transfer partners.