Citi Credit Cards
Citi · 3 cards we compare
Citi works exactly like Chase: every card earns the same ThankYou® points, but only the Strata Premier unlocks transfers to airlines. On its own, a Double Cash is a 2% cash-back card. Pooled into a Strata Premier, those same points move 1:1 to sixteen partners. That $95 card is the hinge the entire Citi lineup turns on — and its $100 hotel credit more than covers the fee.
Tap any card for the full breakdown — perks, credits, rates and news.
Every change across the lineup — newest first, tagged by card.
Citi closed the card to new applicants
As of May 28, 2026, Citi is no longer accepting applications for the Custom Cash. Existing cardholders keep the card and all of its benefits — but if you don’t have it, you can’t get it anymore.
Welcome bonus now 60,000 points
The current public offer is 60,000 ThankYou points after $4,000 in 3 months. Citi has run 75,000-point promotions before, so it’s worth watching if you’re not in a hurry.
Still the benchmark flat-rate cash-back card
2% on everything with no annual fee remains the number most other cards are measured against — and the 18-month balance transfer offer is among the longest available.
The $100 hotel credit still beats the fee
One $500+ hotel booking through Citi Travel returns $100 — more than the $95 annual fee, before you earn a single point.
The card that unlocks Citi transfers
Holding Strata Premier converts the ThankYou points from your no-fee Citi cards into transferable airline currency — the reason most people carry it.
$200 bonus on only $1,500 of spend
Earn $200 back after $1,500 in the first 6 months — a low bar with an unusually long qualifying window.
Pair it with Strata Premier to beat 2%
Alone it’s a 2% cash-back card. Paired with a Strata Premier, the points transfer to airlines — the single easiest upgrade to its value.
4% on Citi Travel hotels runs through June 30, 2026
The elevated 4% rate on hotels, car rentals and attractions booked through Citi Travel was a limited-time offer scheduled to end June 30, 2026 — check your account for the current rate.
If you hold it, keep it
With no annual fee and an automatic 5% category, there’s no reason to close it — and since Citi won’t issue new ones, it’s not a card you can get back.
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