There are 8 Citicards to choose from, only 6 of which are unsecured cards for the main credit card market. (The other two are a student credit card and a secured card for rebuilding bad credit.) Below we rank these Citicards in order and give a short review of each card to help you see which (if any) is right for you:
Citi Double Cash Card – Our favorite Citicard is also our pick for the best credit in the whole card market. It gives you 2% cash back on everything you buy, although you get that 2% back in an unorthodox way: 1% cash back when you make the purchase, and then 1% cash back when you pay off your purchases. No annual fee. Who It’s For: If you want a great cash back card that doesn’t require you to keep track of various spending categories in order to maximize your return, start here.
Citi Simplicity Card – Offers a 0% interest rate on your purchases for 18 months. You can also transfer balances from other credit cards you already have and pay no interest on those balances for 18 months. (However, note that you will pay a one-time fee of 5% of the amount of the balance transferred to this card.) In addition, there are no fees for late card payments, and no “penalty rate” if you are late with payments, either. No annual fee. No rewards. Who It’s For: If you need a 0% interest rate, the 18-month offer is among the best in the industry. If you have a habit of making your payments a few days late, you won’t pay more.