Best Citi Rewards Credit Cards

Top Picks & Rewards Calculator
Review our picks for the best Citi credit cards and calculate which Citi cards earn you the best return based on how much you spend.
Last Updated 2022-08-17 By R.Flowers III

Citi offers a variety of credit cards ranging for co-branded airlines cards to top-rated travel rewards cards. Review the best Citi credit cards and calculate which cards can earn you the most rewards and best return on your spend.

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Best For Everyday Spending & Travel

The Citi Premier® Card is the one of the best Citi credit cards for earning rewards on everyday spending and travel. It offers 3 ThankYou Rewards points on restaurant, supermarket, gas station, air travel, and hotel purchases and 1 point per $1 spent on all other purchases.

The card offers an annual $100 hotel savings benefits on hotels booked through thankyou.com and allows you to transfer ThankYou Points to Citi's full list of 15+ travel partners including JetBlue Airways.

Since this card grants the ability to transfer points, you can use this card to increase the value of points earned with Citi's non-premium cards such as the Citi® Double Cash Card and Citi Custom Cash℠ Card.

Intro Bonus: For a limited time, earn 80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening.

Best For General Rewards

The Citi Rewards+ Card is great for earning general rewards on everyday purchases. It earns 2 ThankYou Rewards points per $1 spent on up to $6,000 in combined annual spend at supermarkets and gas stations (then 1X) and 1 point per $1 spent on all other purchases.

The two main benefits of the card is that every purchase automatically round up to the nearest 10 points with no cap and you'll get 10% of your points back when redeeming them which bumps up the value of the card.

It has no annual fee which makes it a great addition to earning points on everyday spending. If you want to maximize the value of the card towards travel, be sure to pair it with the Citi Premier Card which grants the ability to transfer points to all of Citi's airline and hotel partners.

Intro Bonus: Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com.

Best For Automatically Maximizing Cash Back

The Citi Custom Cash Card earns 5% back on purchases in your top eligible spend category each billing cycle on up to the first $500 spent (then 1%).

There's a total of 10 eligible categories which are restaurant, gas station, grocery store, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment.

If you're looking to maximize your cash back, I recommend pairing it with the Citi® Double Cash Card. Use the Custom Cash to earn 5% back on your eligible category and use the Citi Double Cash Card to earn 2% back (1% back on your purchases and 1% back when you pay them off) on all other purchases. It makes for a great combo.

Intro Bonus: 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.

Best No-Annual Fee 2% Back Card

The Citi Double Cash Card is one of the best flat rate cash back credit cards on the market. It earns an unlimited 2% cash back on all purchases in which you'll earn 1% back on the purchase and 1% back when you pay off those purchases.

Pair it with a premium credit card, such as the Citi Premier Card, and you'll be able to transfer your earned rewards to 15+ travel partners which bumps up the value of the card when used towards travel.

If you're looking for cash back, pair it with the Citi Custom Cash and always earn between 2% and 5% back on your purchases.

Intro Bonus: For a limited time, earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.

Best For Earning AA Miles With No Annual Fee

The American Airlines AAdvantage MileUp Card is a great no-annual fee option for earning AAdvantage Miles on everyday spend. It earns 2 AAdvantage miles per $1 spent on American Airlines purchases and at grocery stores, and 1 mile per $1 spent on everything else.

If you're big on in-flight purchases when flying American Airlines, the card also offers 25% off in-flight food and beverage purchases.

Intro Bonus: Earn 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening.

Best For Admirals Club® Membership

The Citi® / AAdvantage® Executive World Elite Mastercard® earns 2 AAdvantage Miles per $1 spent on AA purchases and 1 mile per $1 spent on all other purchases which isn't much, but the main reason for picking up the card is for Admirals Club® Membership

Paying for lounge membership out of pocket will cost you anywhere from $550 to $650 annually for individual membership and $1,150 to $1,250 for household membership. The AAdvantage Executive World Elite Mastercard offers complimentary membership for yourself and up to two guests or immediate family members.

It also comes with your first checked bag free for yourself and up to 8 companions traveling with you, priority perks, a Global Entry or TSA PreCheck credit and several other perks.

So you'll not only save money on membership picking up the card, but you'll also receive a bunch of additional perks and benefits.

Intro Bonus: Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening.

Best Citi Credit Cards Summary

Credit Card Best For Annual Fee
Citi Premier® Card Travel Rewards $95
Citi Rewards+® Card General Rewards $0
Citi Custom Cashâ„  Card 5% Back On Select Category $0
Citi® Double Cash Card Best No-Annual Fee 2% Back Card $0
American Airlines AAdvantage MileUpâ„  Card Earning AA Miles With No Annual Fee $0
Citi® / AAdvantage® Executive World Elite Mastercard® Admirals Club® Membership $450

Citi Credit Card Rewards Calculator

Use the Citi Credit Card Rewards calculator to find out which cards will earn you the most points, cash back, or miles based on the spend amounts you enter into the tool.

Results will consist of top-rated Citi credit cards from our partners. They will be sorted by net return which is the average value of the total rewards earned, plus annual credits, and minus annual fees.

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Results

These estimates are to help guide you towards making the best decision when it comes to picking up a rewards credit card. They should be used for illustrative purposes only.

You can click on the estimated earnings to see the calculations or click on the card to learn more and apply for the card through our partners.

Do note that all spend amounts entered into the tool above will carry over to every credit card rewards calculator on the site, so there's no need to re-enter spend if you choose to dive deeper into calculating rewards for credit cards on the site.