Cards by issuer · October 2026
Best Citi credit cards, ranked
We track 13 Citi credit cards in our database (store-only cards excluded), and this page ranks every one of them by the same overall score we use across YourBestCards. Annual fees run from $0 to $695 (the Citi / AAdvantage Executive card), and 7 of the 13 charge no annual fee. By type, the lineup includes 4 airline, 4 intro-APR, 3 travel and 3 premium cards (a card can carry more than one tag). Networks: Mastercard (11) and Visa (2).
Right now the highest-scoring Citi card is the Citi Strata℠ Card (score 76, #19 of 242 cards overall), followed by the Citi® / AAdvantage® Globe™ Mastercard® (68) and the Citi® / AAdvantage® Executive card (66). 9 of these cards list a welcome offer in our data and 4 list an intro APR period.
All 13 Citi cards by score
- 5x points per dollar on hotels, car rentals, and attractions booked on cititravel.com
- 3x points per dollar spent at supermarkets
- 3x points per dollar spent on select transit and at gas & EV charging stations
- Annual fee
- $0
- Welcome offer
- Earn 20,000 bonus points after spending $1,000 in the first 3 months.
- Intro APR
- purchases 15 months · balance transfers 15 months
- #2
Citi® / AAdvantage® Globe™ Mastercard®
Score 68- 3 AAdvantage® miles for every $1 spent on eligible American Airlines purchases
- 6 AAdvantage® miles for every $1 spent on eligible AAdvantage Hotels™ bookings
- 2 AAdvantage® miles for every $1 spent at restaurants, including takeout and delivery
- Annual fee
- $350
- Welcome offer
- Earn 90,000 AAdvantage® bonus miles after $5,000 in purchases in the first 4 months
- #3
Citi® / AAdvantage® Executive card
Score 66- 12 AAdvantage® miles for every $1 spent on eligible AAdvantage Hotels® bookings and eligible AAdvantage Cars® bookings
- 4 AAdvantage® miles for every $1 spent on eligible American Airlines purchases. After you spend $150,000 in purchases in a calendar year, earn a total of 5 AAdvantage® miles for every $1 spent on eligible American Airlines purchases for the remainder of the year
- 1 mile for all other purchases
- Annual fee
- $695
- Welcome offer
- Earn 125,000 AAdvantage® bonus miles after making $15,000 in purchases within the first 5 months of account opening.
- 10x points per $1 spent on hotels, car rentals and attractions booked at cititravel.com
- 3x points on air travel and other hotel purchases
- 3x points at supermarkets, restaurants, gas & EV charging stations
- Annual fee
- $95
- Welcome offer
- Earn 60,000 bonus points spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
- #5
Citi / AAdvantage Business World Elite Mastercard
Score 61- 2 AAdvantage miles per $1 on AA + car rentals/gas/telecom
- 1 mile per $1 all other
- Annual fee
- $99
- Welcome offer
- 75,000 AAdvantage miles after $5,000 spend in 5 months
- #6
Citi® Diamond Preferred® Card
Score 60- none
- Annual fee
- $0
- Intro APR
- purchases 12 months · balance transfers 21 months
- none
- Annual fee
- $0
- Intro APR
- purchases 18 months · balance transfers 18 months
- 2X AAdvantage® miles for every $1 spent on American Airlines purchases
- 2X miles at restaurants including takeout
- 2X miles at gas stations
- Annual fee
- $99
- Welcome offer
- Earn 50,000 American Airlines AAdvantage® bonus miles after $2,500 in purchases in the first 3 months.
- #9
Citi Strata Elite℠ Card
Score 59- 12x points per dollar spent on Hotels, Car Rentals, and Attractions booked on cititravel.com
- 6x points per dollar spent on Air Travel booked on cititravel.com
- 6x points per dollar spent at restaurants on Citi Nights℠ purchases
- Annual fee
- $595
- Welcome offer
- Earn 75,000 bonus points after spending $6,000 in the first 3 months.
- #10
AAdvantage® MileUp® card
Score 59- 2X AAdvantage miles per dollar on grocery stores including grocery delivery
- 2X eligible American Airlines purchases
- 1X all other purchases
- Annual fee
- $0
- Welcome offer
- Earn 15,000 AAdvantage® bonus miles after $500 in purchases in the first 3 months.
- 1% cash back when you buy, plus 1% as you pay (2% total) on all purchases
- Annual fee
- $0
- Welcome offer
- Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
- Intro APR
- balance transfers 18 months
- 5% on Costco gas
- 4% on other gas/EV charging (up to $7,000/year combined)
- 3% restaurants and travel
- Annual fee
- $0
- #13
Costco Anywhere Visa Business Card by Citi
Score 39- 5% gas at Costco
- 4% on other eligible gas and EV charging (5% and 4% earn is on a combined $7,000 spend per year, 1% thereafter)
- 3% on restaurants and eligible travel including Costco travel
- Annual fee
- $0
Offers, fees and APRs are shown as stored in our database and can change at any time; terms apply. Always confirm current terms on the issuer’s site before applying. Not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure.
How we rank Citi cards
The order is our overall card score (final blended score), the same number the home page ranks by. It weighs rewards value at typical spending, the welcome offer, fees and credits, intro APR terms and approval odds; see our methodology. Store-only cards are left out, and duplicate listings of the same card are shown once. Card details come from our database, checked against Citi’s own site; fees and offers are shown as stored and terms apply. Issuers can’t pay to be included or ranked higher.
Frequently asked questions
How many Citi credit cards does YourBestCards rank?
13 cards, excluding store-only cards. Each is scored with the same overall score used across the site; this page lists them from the highest score to the lowest.
Which Citi credit card ranks highest?
The Citi Strata Card, with an overall score of 76 (#19 of 242 cards we rank). Next is the Citi / AAdvantage Globe Mastercard (68).
Which Citi credit cards have no annual fee?
7 of them: Citi Strata Card, Citi Diamond Preferred Card, Citi Simplicity Card, AAdvantage MileUp card, Citi Double Cash Card, Costco Anywhere Visa Card by Citi and Costco Anywhere Visa Business Card by Citi.
Do any Citi credit cards have an intro APR?
4 list an intro APR period in our data: Citi Strata Card (purchases 15 months · balance transfers 15 months), Citi Diamond Preferred Card (purchases 12 months · balance transfers 21 months), Citi Simplicity Card (purchases 18 months · balance transfers 18 months) and Citi Double Cash Card (balance transfers 18 months). Terms apply; check the issuer’s site for the current rate and fees.
What is the highest annual fee on a Citi card?
$695, on the Citi / AAdvantage Executive card.
Other card issuers
- Chase credit cards (41)
- American Express credit cards (26)
- Bank of America credit cards (24)
- Barclays credit cards (22)
- Capital One credit cards (20)
- U.S. Bank credit cards (12)
- Navy Federal Credit Union credit cards (9)
- Synchrony credit cards (6)
- TD Bank credit cards (6)
- Wells Fargo credit cards (7)
- USAA credit cards (5)
- All card issuers
Rankings by card type: cash back · travel · business · 0% intro APR · no annual fee · premium travel · sign-up bonuses.