Best Citi Credit Cards of May 2022

Some of the card offers on this site are from companies who are advertising clients of U.S. News. Advertising considerations may impact where offers appear on the site but do not affect any editorial decisions, such as which card products we write about and how we evaluate them. Terms apply.

Citi is an advertising partner.

One of the leading credit card issuers in the United States, Citi has a range of cards that are appealing to all types of consumers. Many of Citi’s cards offer zero percent introductory rates, no annual fees and excellent rewards. With several cards to choose from, you can find a Citi card that meets your needs. Read more about our methodology.

Best Citi Cards of May 2022

Summary

Best Citi Credit Cards of May 2022

  1. Citi Simplicity® Card

    On Citi's Secure Website.

    At A Glance

    • Credit Needed

      670-850
      Good to Excellent

    • Annual Fee

      $0

    • APR

      15.49% - 25.49% (Variable)

    On Citi's Secure Website.

    On Citi's Secure Website.

    Rates & Fees

    • Issuer Name

      Citi

    • Credit Needed

      Excellent, Good

    • Annual Fee

      $0

    • APR

      15.49% - 25.49% (Variable)

    • Purchases Intro APR

      0% for 12 months on Purchases

    • Balance Transfer Intro APR

      0% for intro APR for 21 months on Balance Transfer

    • Balance Transfer Fee

      Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.

    • Cash Advance Fee

      5% of each cash advance; $10 minimum

    • Foreign Transaction Fee

      3%

    • See all credit card details
  2. Citi® Diamond Preferred® Card

    On Citi's Secure Website.

    At A Glance

    • Credit Needed

      670-850
      Good to Excellent

    • Annual Fee

      $0

    • APR

      14.49% - 24.49% Variable

    On Citi's Secure Website.

    On Citi's Secure Website.

    Rates & Fees

    • Issuer Name

      Citi

    • Credit Needed

      Excellent, Good

    • Annual Fee

      $0

    • APR

      14.49% - 24.49% Variable

    • Penalty APR

      Up to 29.99%

    • Purchases Intro APR

      0% for 12 months on Purchases

    • Balance Transfer Intro APR

      0% for intro APR for 21 months on Balance Transfers

    • Balance Transfer Fee

      Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.

    • Cash Advance Fee

      5% of each cash advance; $10 minimum

    • Foreign Transaction Fee

      3%

    • See all credit card details
  3. Terms Apply

    Citi Rewards+® Card

    Citi Rewards+® Card

    On Citi's Secure Website.

    Top Rewards Rates

    • 5X

      ThankYou® Points per $1 spent on air travel and hotels up to $6,000 in the first 12 months and then 1 ThankYou® Points per $1 spent thereafter.

    • 2X

      ThankYou®Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter.

    • 1X

      ThankYou® Points on All Other Purchases.

    At A Glance

    • Credit Needed

      670-850
      Good to Excellent

    • Annual Fee

      $0

    • Intro Bonus

      20,000 bonus points

    • APR

      14.24% - 24.24% (Variable)

    On Citi's Secure Website.

    On Citi's Secure Website.

    Rates & Fees

    • Issuer Name

      Citi

    • Credit Needed

      Excellent, Good

    • Annual Fee

      $0

    • APR

      14.24% - 24.24% (Variable)

    • Penalty APR

      Up to 29.99% (Variable)

    • Purchases Intro APR

      0% for 15 months

    • Balance Transfer Intro APR

      0% for 15 months

    • Balance Transfer Fee

      Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).

    • Cash Advance Fee

      5% of each cash advance; $10 minimum

    • Foreign Transaction Fee

      3%

    • See all credit card details
  4. Citi® / AAdvantage® Executive World Elite Mastercard®

    On Citi's Secure Website.

    Top Rewards Rates

    • 2

      AAdvantage® miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage® mile for every $1 spent on other purchases

    • 1

      Loyalty Point for every 1 eligible mile earned from purchases

    At A Glance

    • Credit Needed

      670-850
      Good to Excellent

    • Annual Fee

      $450

    • Intro Bonus

      50,000 American Airlines AAdvantage® Bonus Miles

    • APR

      16.74% - 25.74% (Variable)

    On Citi's Secure Website.

    On Citi's Secure Website.

    Rates & Fees

    • Issuer Name

      Citi

    • Credit Needed

      Excellent, Good

    • Annual Fee

      $450

    • APR

      16.74% - 25.74% (Variable)

    • Penalty APR

      Up to 29.99% (Variable)

    • Balance Transfer Fee

      5% of each balance transfer; $5 minimum.

    • Cash Advance Fee

      5% of each cash advance; $10 minimum

    • Foreign Transaction Fee

      0%

    • See all credit card details
  5. Citi® Double Cash Card - 18 month BT offer

    On Citi's Secure Website.

    At A Glance

    • Credit Needed

      670-850
      Good to Excellent

    • Annual Fee

      $0

    • APR

      14.74% - 24.74% (Variable)

    On Citi's Secure Website.

    On Citi's Secure Website.

    Rates & Fees

    • Issuer Name

      Citi

    • Credit Needed

      Excellent, Good

    • Annual Fee

      $0

    • APR

      14.74% - 24.74% (Variable)

    • Penalty APR

      Up to 29.99% (Variable)

    • Balance Transfer Intro APR

      0% for 18 months

    • Balance Transfer Fee

      Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).

    • Cash Advance Fee

      5% of each cash advance; $10 minimum

    • Foreign Transaction Fee

      3%

    • See all credit card details
  6. Citi Custom Cash℠ Card

    On Citi's Secure Website.

    Top Rewards Rates

    • 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%

      cash back on all other purchases.

    At A Glance

    • Credit Needed

      670-850
      Good to Excellent

    • Annual Fee

      $0

    • Intro Bonus

      $200 cash back

    • APR

      14.74% - 24.74% (Variable)

    On Citi's Secure Website.

    On Citi's Secure Website.

    Rates & Fees

    • Issuer Name

      Citi

    • Credit Needed

      Excellent, Good

    • Annual Fee

      $0

    • APR

      14.74% - 24.74% (Variable)

    • Penalty APR

      Up to 29.99% (Variable)

    • Purchases Intro APR

      0% for 15 months

    • Balance Transfer Intro APR

      0% for 15 months

    • Balance Transfer Fee

      Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.

    • Cash Advance Fee

      5% of each cash advance; $10 minimum

    • Foreign Transaction Fee

      3%

    • See all credit card details
  7. Citi Premier® Card

    On Citi's Secure Website.

    Top Rewards Rates

    • 3

      Points per $1 spent at Restaurants and Supermarkets

    • 3

      Points per $1 spent at Gas Stations, Air Travel and Hotels

    • 1

      Point per $1 spent on all other purchases

    At A Glance

    • Credit Needed

      670-850
      Good to Excellent

    • Annual Fee

      $95

    • Intro Bonus

      60,000 bonus ThankYou® Points

    • APR

      16.74% - 24.74% Variable

    On Citi's Secure Website.

    On Citi's Secure Website.

    Rates & Fees

    • Issuer Name

      Citi

    • Credit Needed

      Excellent, Good

    • Annual Fee

      $95

    • APR

      16.74% - 24.74% Variable

    • Penalty APR

      Up to 29.99% (Variable)

    • Balance Transfer Fee

      Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.

    • Cash Advance Fee

      5% of each cash advance; $10 minimum

    • Foreign Transaction Fee

      0%

    • See all credit card details
  8. Costco Anywhere Visa® Card by Citi

    On Citi's Secure Website.

    Top Rewards Rates

    • 4%

      cash back on eligible gas 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

    At A Glance

    • Credit Needed

      740-850
      Excellent

    • Annual Fee

      $0

    • APR

      15.99% (Variable)

    On Citi's Secure Website.

    On Citi's Secure Website.

    Rates & Fees

    • Issuer Name

      Citi

    • Credit Needed

      Excellent

    • Annual Fee

      $0

    • APR

      15.99% (Variable)

    • Penalty APR

      Up to 29.99% (Variable)

    • Balance Transfer Fee

      Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.

    • Cash Advance Fee

      5% of each cash advance; $10 minimum

    • Foreign Transaction Fee

      0%

    • See all credit card details
  9. American Airlines AAdvantage MileUp℠ Card

    On Citi's Secure Website.

    Top Rewards Rates

    • 2

      AAdvantage® miles for each $1 spent at grocery stores, including grocery delivery services.

    • 2

      AAdvantage® miles for every $1 spent on eligible American Airlines purchases.

    • 1

      AAdvantage® mile for every $1 spent on other purchases.

    • 1

      Loyalty Point for every 1 eligible mile earned from purchases

    At A Glance

    • Credit Needed

      670-850
      Good to Excellent

    • Annual Fee

      $0

    • Intro Bonus

      10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit

    • APR

      16.74% - 25.74% (Variable)

    On Citi's Secure Website.

    On Citi's Secure Website.

    Rates & Fees

    • Issuer Name

      Citi

    • Credit Needed

      Excellent, Good

    • Annual Fee

      $0

    • APR

      16.74% - 25.74% (Variable)

    • Penalty APR

      Up to 29.99% (Variable)

    • Balance Transfer Fee

      5% of each balance transfer; $5 minimum.

    • Cash Advance Fee

      5% of each cash advance; $10 minimum

    • Foreign Transaction Fee

      3%

    • See all credit card details
  10. AT&T Access Card from Citi

    The information for the AT&T Access Card from Citi has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

    Top Rewards Rates

    • 2X

      Points per dollar spent on purchases made online at eligible retail and travel websites.

    • 2X

      Points per dollar spent on products and services purchased directly from AT&T

    • 1X

      Point per dollar spent on other purchases

    At A Glance

    • Annual Fee

      $0

    • Intro Bonus

      10,000

    • APR

      13.99% to 22.99%, based on your creditworthiness

    The information for the AT&T Access Card from Citi has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

    The information for the AT&T Access Card from Citi has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

    Rates & Fees

    • Issuer Name

      Citi

    • Annual Fee

      $0

    • APR

      13.99% to 22.99%, based on your creditworthiness

    • Penalty APR

      Up to 29.99%, based on your creditworthiness

    • Balance Transfer Fee

      $5 or 3% of the amount of each transfer, whichever is greater

    • Cash Advance Fee

      Either $10 or 5% of the amount of each cash advance, whichever is greater

    • Foreign Transaction Fee

      3% of each purchase transaction in US dollars

    • See all credit card details
  11. My Best Buy Visa® Card

    The information for the My Best Buy Visa® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

    Top Rewards Rates

    • 5%

      Back in rewards at Best Buy

    • 3%

      Back in rewards on gas purchases

    • 2%

      Back in rewards on dining and grocery purchases

    • 1%

      Back in rewards on everyday purchases

    At A Glance

    • Annual Fee

      $0

    • Intro Bonus

      10% back on your first day of purchases

    • APR

      25.24% variable

    The information for the My Best Buy Visa® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

    The information for the My Best Buy Visa® Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

    Rates & Fees

  12. Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

    The information for the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

    Top Rewards Rates

    • 2

      AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases.

    • 1

      Loyalty Point for every 1 eligible mile earned from purchases.

    At A Glance

    • Credit Needed

      670-850
      Good to Excellent

    • Annual Fee

      $99, waived for first 12 months

    • Intro Bonus

      50,000 American Airlines AAdvantage® bonus miles

    • APR

      16.74% - 25.74% (Variable)

    The information for the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

    The information for the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

    Rates & Fees

    • Issuer Name

      Citi

    • Credit Needed

      Excellent, Good

    • Annual Fee

      $99, waived for first 12 months

    • APR

      16.74% - 25.74% (Variable)

    • Penalty APR

      Up to 29.99% (Variable)

    • Balance Transfer Fee

      Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.

    • Cash Advance Fee

      5% of each cash advance; $10 minimum

    • Foreign Transaction Fee

      0%

    • See all credit card details
  13. CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

    The information for the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

    Top Rewards Rates

    • 2

      AAdvantage® miles per $1 spent on eligible American Airlines purchases.

    • 2

      AAdvantage® miles for every $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations.

    • 1

      AAdvantage® mile per $1 spent on other purchases.

    • 1

      Loyalty Point for every 1 eligible mile earned from purchases.

    At A Glance

    • Credit Needed

      740-850
      Excellent

    • Annual Fee

      $99, waived for first 12 months

    • Intro Bonus

      65,000 American Airlines AAdvantage® bonus miles

    • APR

      16.74% - 25.74% (Variable)

    The information for the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

    The information for the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

    Rates & Fees

    • Issuer Name

      Citi

    • Credit Needed

      Excellent

    • Annual Fee

      $99, waived for first 12 months

    • APR

      16.74% - 25.74% (Variable)

    • Penalty APR

      Up to 29.99% (Variable)

    • Cash Advance Fee

      5% of each cash advance; $10 minimum.

    • Foreign Transaction Fee

      0%

    • See all credit card details
  14. Terms Apply

    Citi Prestige® Credit Card

    Citi Prestige® Credit Card

    The information for the Citi Prestige® Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

    Top Rewards Rates

    • 5X

      Points on Air Travel and Restaurants

    • 3X

      Points on Hotels and Cruise Lines

    • 1X

      Point on all other purchases

    At A Glance

    • Credit Needed

      740-850
      Excellent

    • Annual Fee

      $495

    • Intro Bonus

      50,000

    • APR

      16.99% to 23.99%, based on your credit­worthiness

    The information for the Citi Prestige® Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

    The information for the Citi Prestige® Credit Card has been collected independently by U.S. News and the card is not currently available on the site. The information has not been reviewed or provided by the card issuer and it is accurate as of the date posted.

    Rates & Fees

    • Issuer Name

      Citi

    • Credit Needed

      Excellent

    • Annual Fee

      $495

    • APR

      16.99% to 23.99%, based on your credit­worthiness

    • Penalty APR

      Up to 29.99%, based on your credit­worthiness.

    • Balance Transfer Fee

      $5 or 3% of the amount of each transfer, whichever is greater

    • Cash Advance Fee

      Either $10 or 5% of the amount of each cash advance, whichever is greater.

    • Foreign Transaction Fee

      None

    • See all credit card details

Best feature: 0% intro APR on purchases

Citi Simplicity Card

The Citi Simplicity Card is designed to be easy to use.

With the Citi Simplicity Card, you will get a 0% Intro APR for 12 months on purchases from date of account opening and a 0% Intro APR for 21 months on balance transfers from date of first transfer. This is a longer offer period than many other cards with balance transfer offers. After the introductory APR expires, there is an APR of 15.49% to 25.49% (variable). The card charges a balance transfer fee of 5% of the amount transferred or $5, whichever is greater.

There is no annual fee, no late fee and no penalty rate associated with this card. Benefits include identity theft protection and zero dollar liability on unauthorized charges.

Best for people who:

  • Need to pay down a balance.
  • Don’t want to pay an annual fee, late fee or penalty rate.
  • Are not looking for a rewards program.

Best feature: 0% intro APR on balance transfers

Citi Diamond Preferred Card

The Citi Diamond Preferred Card is a good choice for consumers looking to consolidate and pay off credit card debt. It comes with a 0% introductory APR that lasts 21 months for balance transfers and 12 months for purchases, so you won’t have to pay any interest as long as you pay off your balance before each promotional period ends. After 21 months, the card charges a variable APR between 14.49% and 24.49%.

There is no annual fee, and the balance transfer fee is 5% of the transfer, or at least $5. There is a 3% foreign transaction fee.

The Citi Diamond Preferred Card doesn’t earn rewards, but cardholders do get access to features including Citi Identity Theft Solutions and Citi Entertainment.

Best for people who:

  • Want to consolidate credit card debt.
  • Don’t way to pay an annual fee.
  • Aren’t looking for a rewards credit card.

Best feature: Double points at gas stations

Citi Rewards+ Card

With the Citi Rewards+ Card, you can earn two points per dollar at supermarkets and gas stations on up to $6,000 in spending each year. You can also earn five points per dollar on up to $6,000 in air travel and hotel spending during your first 12 months with the card. All other spending earns one point per dollar, including spending in bonus categories after you hit the relevant limits. The Citi Rewards+ Card also rounds up to the nearest 10 points on all spending.

There is no annual fee, and the Citi Rewards+ Card also comes with a 0% introductory APR that lasts 15 months from account opening for purchases and 15 months from the date of your first transfer for balance transfers. After that, the card charges an APR of 14.24% to 24.24% (variable).

New cardholders can earn 20,000 bonus points for spending at least $1,500 in their first three months with an account.

Best for people who:

  • Spend in the card's bonus rewards categories.
  • Don't want to pay an annual fee. 
  • Want a 0% introductory APR.

Best feature: American Airlines rewards

Citi / AAdvantage Executive World Elite Mastercard

The Citi / AAdvantage Executive World Elite Mastercard earns 2 miles per dollar on eligible American Airlines purchases and 1 mile per dollar on all other spending. The card also comes with travel perks such as free checked bags on domestic flights and a statement credit to cover the application fee for Global Entry or TSA PreCheck.

The card charges a hefty $450 annual fee, so be sure the rewards and perks are worthwhile for you. There is no foreign transaction fee.

New cardholders can earn 50,000 bonus miles for spending $5,000 within three months of opening an account. The card charges an APR of 16.74% to 25.74% (variable).

Best for people who:

  • Fly frequently with American Airlines.
  • Don’t mind paying an annual fee.
  • Want to avoid a foreign transaction fee.

Best feature: 0% intro APR on balance transfers

Citi Double Cash Card - 18 month BT offer

With the Citi Double Cash Card - 18 month BT offer you can earn cash back on every eligible purchase. Plus, with a 0% introductory APR on balance transfers and no annual fee, you can save money while you earn rewards. The standard APR is 14.74% to 24.74% (variable) based on your creditworthiness.

The Citi Double Cash Card - 18 month BT offer earns 1% cash back on purchases and another 1% cash back when you pay for your purchases in full. The card also offers benefits including a pass on your first late fee, identity theft coverage and Citi Entertainment, which offers exclusive access to event ticket sales.

Best for people who:

  • Want to earn a good rate on cash back rewards without bonus categories.
  • Don’t want to pay an annual fee.
  • Can pay their balance each month.

Best feature: Simple bonus category redemption

Citi Custom Cash Card

With the Citi Custom Cash Card, you’ll earn 5% cash back on up to $500 spent in a category that can adapt to match your card use each billing cycle. Restaurants, gas stations, grocery stores and home improvement stores are among the eligible categories. You can earn 1% cash back on all other spending.

Cardholders can also take advantage of a 15-month 0% introductory APR. After that, there is an APR of 14.74% to 24.74% (variable). There is no annual fee.

You'll earn $200 after you spend $750 on purchases in the first 3 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. Other card benefits include fraud protection and $0 liability on unauthorized purchases.

Best for people who:

  • Want a simple rewards card.
  • Can earn the sign-up bonus.
  • Don’t want to pay an annual fee.

Best feature: Three points per dollar on travel

Citi Premier Card

Travelers can earn excellent rewards with the Citi Premier Card. This card offers good rewards on air travel, hotels and other bonus spending categories, a good sign-up bonus and benefits including no foreign transaction fees.

You can use the Citi Premier Card to earn three points per dollar spent on air travel, hotels and gas station purchases. The card earns three points on restaurant and supermarket purchases and one point per dollar on all other purchases, and after you spend $4,000 in purchases within the first 3 months of account opening, you’ll earn a 60,000-point sign-up bonus.

There’s no limit to the number of points you can earn and points don’t expire. Each year, cardholders receive one $100 discount on a single hotel stay of $500 or more (excluding taxes and fees) purchased through thankyou.com. The card charges no foreign transaction fees, and Citi Entertainment is available to cardholders.

Best for people who:

  • Travel frequently.
  • Want to redeem rewards for airfare.
  • Can earn enough rewards to offset the annual fee.

Best feature: No annual fee

Citi Secured Mastercard

With the Citi Secured Mastercard, consumers with no credit history can build their scores by using the card responsibly. You'll need to make a security deposit of between $200 and $2,500 to open your account.

The card does not charge an annual fee. There is a 23.24% (variable) APR for purchases and balance transfers. Cardholders can also access their FICO score for free online.

There is no credit score requirement, so users with no credit history can use this card to help build a stronger score.

Best for people who:

  • Need to build credit.
  • Can make the security deposit.
  • Don't want to pay an annual fee.

Costco Anywhere Visa Card by Citi

Designed for Costco members, the Costco Anywhere Visa Card by Citi is a good choice for earning rewards on Costco purchases and gas. There’s no annual fee and excellent cardholder benefits. The card has an APR of 15.99% (variable).

With the Costco Anywhere Visa Card by Citi, you can earn 4% cash back on the first $7,000 in eligible gas purchases each year (then 1%). The card also earns 3% cash back on dining and eligible travel purchases, as well as 2% cash back on purchases from Costco. All other purchases earn 1% cash back.

You can earn cash back rewards with no annual fee. As a cardholder, you’ll have access to benefits including extended warranty coverage, damage and theft purchase protection, car rental insurance and worldwide travel accident insurance.

Best for people who:

  • Frequently shop with Costco
  • Want to earn rewards for gas purchases
  • Don’t want to pay an annual fee

Best feature: Airline rewards

American Airlines AAdvantage MileUp Card

Consumers loyal to American Airlines can earn useful rewards with the American Airlines AAdvantage MileUp Card. The card earns 2 miles per dollar at grocery stores and on eligible spending with American Airlines. All other spending earns 1 mile per dollar.

The card does not charge an annual fee, but it does charge a 3% foreign transaction fee. Its APR is 16.74% to 25.74% (variable), and there is no 0% introductory APR.

New cardholders can earn 10,000 bonus miles and a $50 statement credit for spending $500 within the first three months of opening an account.

Best for people who:

  • Fly with American Airlines.
  • Don't want to pay an annual fee.
  • Won't make lots of foreign transactions on the card.

Best feature: AT&T rewards

AT&T Access Card from Citi

The AT&T Access Card from Citi offers two points per dollar on eligible retail and travel websites and on direct spending on AT&T products and services. Other spending earns one point per dollar.

The card does not charge an annual fee, and the APR is 13.99% to 22.99%, based on your creditworthiness. Consumers can use their points for gift cards, travel and other redemption options.

New cardholders who spend at least $1,000 in their first three months with an account can earn 10,000 bonus ThankYou Points.

Best for people who:

  • Use AT&T.
  • Can earn the sign-up bonus.
  • Don’t want to pay an annual fee.

Best feature: Best Buy rewards

My Best Buy Visa Card

The My Best Buy Visa Card earns rewards that cardholders can redeem as coupons to provide discounts on Best Buy spending. The card earns 5% back in rewards on qualifying Best Buy purchases, 3% back on gas station spending, 2% back on dining and groceries, and 1% back on other everyday spending. If you make your first Best Buy purchase within 14 days of opening your account, you can earn 10% back in rewards.

The card does not charge an annual fee. There is a relatively high 25.24% variable APR for purchases not made using one of the card's reduced rate credit plans. When available, the reduced rate credit plans allow cardholders to pay off a purchase over a certain time period while accruing interest at a lower APR. For example, cardholders may receive an APR between 0% and 11.99% for eligible purchases paid back over 24 months.

Best for people who:

  • Frequently shop at Best Buy.
  • Aren't looking for flexible rewards redemption.
  • Won't carry a balance.

Best feature: Premium cardholder benefits

CitiBusiness / AAdvantage Platinum Select Mastercard

With the CitiBusiness / AAdvantage Platinum Select Mastercard, business travelers can earn 2 AAdvantage miles per dollar on eligible American Airlines purchases, cable and satellite providers, gas station expenses, car rentals, and telecommunications merchants. Other spending earns 1 mile per dollar. The card also comes with a set of travel benefits including free first checked bags on domestic American Airlines flights and discounts on in-flight refreshments and WiFi.

The card charges an annual fee of $99, waived for first 12 months, and there is no foreign transaction fee. The APR is 16.74% to 25.74% (variable).

Users who spend at least $4,000 in their first four months with an account can earn 65,000 bonus miles.

Best for people who:

  • Fly with American Airlines.
  • Can earn the sign-up bonus.
  • Don't want to pay a foreign transaction fee.

There are many options for redeeming Citi ThankYou points. Redemption options include:

  • Travel
  • Gift cards
  • Cash back
  • Merchandise
  • Shop or pay with points
  • Online bill pay
  • Charitable donations

Points earnings vary depending on which Citi card you carry. You can earn up to 10 points per dollar or 4 percent cash back on bonus categories with certain Citi credit cards.

In general, ThankYou points are worth 1 cent. For example, a $25 gift card can be purchased with 2,500 points.

Citi ThankYou points can be transferred to partner loyalty programs. Eligibility and transfer rates vary. These programs include:

  • Asia Miles
  • TrueBlue
  • Flying Blue
  • Shop Your Way
  • Virgin Atlantic Flying Club

Most ThankYou points don’t expire as long as your credit card account is open and in good standing.

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

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