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Why People Love to Hate Citi Credit Cards

The Best Citi Credit Cards

The beginning of every New Year means a rush of new and exciting credit card offers from all the different credit card companies that are competing for your business. This bodes well for you, the customer, because the increased competition means better terms on credit card deals offered by the major card issuers. Citi has some of the best credit card offers on the market, and they have a broad variety of different credit cards to suit whichever need you may have and all types of credit scores. If you are considering to apply for a Citi credit card, I recommend you check out my suggestions below where I break down the best Citi credit cards by category. You can also compare Citi credit cards here.

Best Citi Travel Credit Card

Citi Hilton HHonors Visa Signature Card – The Citi Hilton HHonors Visa Signature card is my choice for the best Citi credit card currently available that’s geared towards travel rewards. With the Citi Hilton HHonors card, cardholders receive 40,000 Hilton HHonors Bonus Points after they spend $1,000 in the first four months of using the card. In addition, cardholders receive 6 HHonors Bonus Points for each dollar spent at a Hilton hotel, 3 HHonors Bonus Points for each dollar spent at supermarkets, drugstores, or gas stations, and 2 HHonors Bonus Points for each dollar spent on all other purchases. There is also no annual fee to use the Citi Hilton HHonors Visa Signature card.

Best Citi Cash Back Credit Card

Citi Dividend Platinum Select Visa Card – The Citi Dividend Platinum Select Visa Card is my choice for the best Citi cash back credit card currently available. With the Citi Dividend Platinum Select Visa card, cardholders receive a $100 cash back bonus after they spend $500 using the card in the first three months of having the card. In addition, the card offers a 0% Intro APR on balance transfers and purchases for 12 months, as well as 5% cash back on purchases at Zappos.com, fitness clubs, and drugstores. Cardholders also receive 1% cash back on all other purchases, and do not have to pay an annual fee.

Best Citi Balance Transfer Credit Card

Citi Simplicity Card – With the Citi Simplicity Card, cardholders receive a 0% Introductory APR on purchases and balance transfers for 18 months. In addition, there are no late fees for late payments with the card, and there is no annual fee to use the card.

Best Citi Bad Credit Credit Card


Citi Secured MasterCard –
 The Citi Secured MasterCard is my choice for the best credit card for bad credit offered by Citi. With the Citi Secured MasterCard, cardholders pay a 3% balance transfer fee if they are transferring a balance to the card, and only have to pay a low annual fee of $29. The Citi Secured MasterCard is a great entry-level credit card for those looking to increase their credit score.