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Best Citi Credit Cards Of August 2026

My picks for the top Citi rewards cards, and who should carry each one.

How it works

  1. I include a range of travel & rewards cards on this page that I find useful in a specific category, but don’t intend to list every potential credit card out there
  2. Compare cards using the filter to find the right benefit or feature for your household spending
  3. Find my category specific recommendations under the filter options on each category page

Compare Citi Credit Cards

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Ben Schlappig | Last Updated: May 8, 2026

Flexible Points
Citi Strata Elite Card

Citi Strata Elite℠ Card

Earn 75,000 bonus points after qualifying purchases
Flexible Points
  • Earn Bonus Points on Dining
  • Up to $300 Annual Hotel Benefit
  • No Foreign Transaction Fees
Apply Now Securely with Citi | Terms Apply.
The Citi Strata Elite is Citi's premium flagship card, offering a Priority Pass Select membership, four annual Admirals Club lounge passes, and up to $700 in annual credits across hotel, Splurge, and Blacklane categories, though not everyone will be able to maximize all of them. The rewards structure is interesting, with 12x points on Citi Travel® hotel and rental car bookings, 6x points on dining with Citi Nights℠ on Friday and Saturday nights, and 3x points on dining at all other times, plus a solid 1.5x points on everyday spending. The $200 Splurge Credit is pretty easy to use toward an American Airlines ticket, and the $300 hotel credit is straightforward to maximize with a two-night prepaid stay through Citi Travel. It's best for those who value lounge access, occasionally fly American, and can take advantage of the credits, and becomes even more compelling as part of a broader Citi ThankYou ecosystem alongside the Double Cash or Strata Premier for everyday spending.
Read OMAAT Review >

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

Learn more from these OMAAT posts:

See Rates & Fees
Foreign Transaction Fee: 0%
Annual Fee: $595
Intro Purchase APR: N/A
Intro Balance Transfer APR: N/A
  • 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
Earn 75,000 ThankYou Points

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

Flexible Points
Citi Strata Premier Card

Citi Strata Premier® Card

Earn 60,000 bonus ThankYou® Points after qualifying purchases
Flexible Points
  • Earn 3x Points on Airfare
  • Earn 3x Points on Hotels
  • Earn 3x Points at Restaurants
Apply Now Securely with Citi | Terms Apply.
In my opinion, the Citi Strata Premier® Card offers the most rewarding bonus categories of any mid-range credit card, as the card offers 3x points in multiple categories. I also love Citi ThankYou points, and get huge value by transferring them to airline partners, especially in conjunction with a transfer bonus.
Read OMAAT Review >

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.

 

See Rates & Fees
Foreign Transaction Fee: 0%
Annual Fee: $95
Intro Purchase APR: N/A
Intro Balance Transfer APR: N/A
  • 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
Earn 60,000 ThankYou Points

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.

Cash Back
Citi Double Cash

Citi Double Cash® Card

Earn $200 after qualifying purchases
Cash Back
  • Earn 1% cash back when you make a purchase, earn 1% cash back when you pay for that purchase
Apply Now Securely with Citi | Terms Apply.
The Citi Double Cash has been my go-to card for everyday spending for a while, and I love it. I use the card to earn ThankYou points. The flexibility this card offers in this environment is unrivaled. The no-annual fee card can earn you the equivalent of two cents or two transferrable points for every dollar you spend (after paying the bill). Earning either cash back or travel rewards efficiently is the kind of flexibility consumers should be looking for nowadays, and there’s no other card as well-rounded as this. Furthermore, when you combine the Citi Double Cash with the Citi Strata Premier Card, you’re looking at one of the best card combos with one low annual fee.
Read OMAAT Review >

1% cash back when you make a purchase

1% cash back when you pay for that purchase

Learn more from these OMAAT posts:

See Rates & Fees
Foreign Transaction Fee: 3%
Annual Fee: $0
Intro Purchase APR: N/A
Intro Balance Transfer APR: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% - 27.49%, based on your creditworthiness.
  • 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).
Earn $200 Cash Back

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.

Citi Strata Card

Citi Strata℠ Card

Earn 20,000 bonus Points after qualifying purchases
  • Earn 2x Points at Restaurants
  • Intro APR On Purchases & Balance Transfers
  • No Annual Fee
Apply Now Securely with Citi | Terms Apply.
The Citi Strata Card is a no annual fee card that punches well above its weight, offering 3x points on supermarkets, gas, transit, and a self-select category you can customize each quarter, plus 2x points on dining. On its own, the card has some limitations, including a 3% foreign transaction fee and reduced transfer ratios to airline partners. Where it really shines is as part of a broader Citi ThankYou setup, since pairing it with a higher tier Strata card unlocks full 1:1 transfer ratios across all partners, including American AAdvantage. It's best as a complement to one of the premium Citi cards, filling in bonus categories like supermarkets and transit while adding no annual fee drag to your overall card strategy.
Read OMAAT Review >

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.

See Rates & Fees
Foreign Transaction Fee: 3%
Annual Fee: $0
Intro Purchase APR: 0% Intro APR on purchases for 15 months; after that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
Intro Balance Transfer APR: 0% Intro APR on balance transfers 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 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
Earn 20,000 ThankYou Points

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