Calculator: Best Citi Credit Cards

Citi offers a variety of credit cards ranging for co-branded airlines cards to top-rated travel rewards cards. Review our picks for best Citi credit card or use our Citi Rewards Calculator to determine which cards will earn you the most rewards based on the spend amounts you enter into our tool.

Best Citi Credit Cards

Citi Premier® Card: Best for everyday spending & travel.
Citi Rewards+® Card: Best for general rewards.
Citi Custom Cash℠ Card: Best for automatically maximizing cash back.
Citi® Double Cash Card: Best no annual fee 2% back card.
American Airlines AAdvantage® MileUp®: Best for earning AA miles at no annual fee.
Citi® / AAdvantage® Executive World Elite Mastercard®: Best for Admirals Club® Membership.

Citi Premier® Card

Best For Everyday Spending & Travel

Earning Rate: Earn an unlimited 3X points on restaurant, supermarket, gas station, air travel, and hotel purchases and 1 point per $1 spent on all other purchases.
Annual Credits: $100 hotel credit when you book a $500+ hotel stay through thankyou.com.
Main Highlights: Grants the ability to transfer ThankYou Rewards points to Citi's full list of airline and hotel partners.
Intro Bonus: Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
Annual Fee: $95.
Summary: This is the best card for JetBlue travelers as well as the best card for earning points transferable to multiple 5-star international frequent flyer programs. If you want to easily build up valuable points on everyday spending and redeem them for high value towards some of the best first and business class products in the world, sweep this card up. Pair it with the Citi® Double Cash Card for 2X back, Citi Custom Cash℠ Card to earn 5X on one eligible category, and the Citi Rewards+® Card for a 10% point rebate.
Learn More about the Citi Premier Card.
Calculate Card Value & ThankYou Points per dollar spent for the Citi Premier Card.

Citi Rewards+® Card

Best For General Rewards

Earning Rate: Earn 2X points 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.
Main Highlights: 10% point rebate and point round up perk.
Intro Bonus: Earn 25,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $250 in gift cards at thankyou.com. Plus, for a limited time, earn 5 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel(SM) Portal through June 30, 2024.
Annual Fee: $0.
Summary: It's a solid travel rewards card for earning points, but it's the perks that pulls this card into view. The 10% rebate bumps up the value of your ThankYou Rewards points and makes it great for pairing with other cards in the family. The point round up is also a solid benefit that can net you some bonus points if you know how to use it.
Learn More about the Citi Rewards+ Card.
Calculate Card Value & ThankYou Points per dollar spent for the Citi Rewards+ Card.

Citi Custom Cash℠ Card

Best For Automatically Maximizing Cash Back

Earning Rate: Earn 5% back on purchases in your top eligible spend category each billing cycle on up to the first $500 spent (then 1%). 1% back on all other purchases.
Main Highlights: High earning rate at no annual fee.
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.
Annual Fee: $0
Summary: Choose an eligible category that you spend about $500 in per month and watch the rewards rack up. Pair this with the Citi Premier Card for high point value towards travel or with the Citi® Double Cash Card to earn 2% back on all purchases you don't use the Custom Cash for.
Learn More about the Citi Custom Cash Card.
Calculate Card Value & ThankYou Points per dollar spent for the Citi Double Cash.

Citi® Double Cash Card

Best No-Annual Fee 2% Back Card

Earning Rate: Earn 2% back on all purchases. That's 1% back on the purchase and 1% back when you pay off those purchases.
Main Highlights: 2% back at no annual fee that can be combined with other Citi cards.
Intro Bonus: No current offer.
Annual Fee: $0
Summary: This is the best Citi credit card for miscellaneous purchases. A uncapped 2% back that can be paired with Citi Custom Cash for an excellent cash back combo or with the Citi Premier Card for an excellent travel rewards combo.
Learn More about the Citi Double Cash Card.
Calculate Card Value & ThankYou Points per dollar spent for the Citi Double Cash Card.

American Airlines AAdvantage® MileUp®

Best For Earning AA Miles at No Annual Fee

Earning Rate: Earn 2X AAdvantage Miles on American Airlines purchases and at grocery stores, and 1X on everything else.
Main Highlights: 25% off in-flight purchases and no annual fee.
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.
Annual Fee: $0.
Summary: If you want to earn AAdvantage miles at no annual fee, this is the card to have. It will also benefit you if you make in-flight purchases of food and beverage as you'll get 25% off.
Learn More about the American Airlines AAdvantage MileUp Card.
Calculate Card Value & AAdvantage Miles per dollar spent for the American Airlines AAdvantage MileUp Card.

Citi® / AAdvantage® Executive World Elite Mastercard®

Best For Admirals Club® Membership

Earning Rate: Earns 2 AAdvantage Miles per $1 spent on AA purchases and 1 mile per $1 spent on all other purchases.
Main Highlights: Admirals Club® Membership, priority perks, free checked bags (up to 8 people), and up to $100 towards Global Entry or TSA PreCheck.
Intro Bonus: Earn 50,000 American Airlines AAdvantage® bonus miles after spending $5,000 in purchases within the first 3 months of account opening.
Annual Fee: $450.
Summary: This card is a no-brainer if you want access to Admiral Clubs since buying membership straight from American Airlines will cost you anywhere from $550 to $1,250. On top of that, you'll receive all the additional benefits that comes with the card.
Learn More about the Citi / AAdvantage Executive World Elite Mastercard.
Calculate Card Value & AAdvantage Miles per dollar spent for the Citi / AAdvantage Executive World Elite Mastercard.

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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Select which type of credit cards appear in the results. You can choose from personal (consumer) credit cards, business credit cards, or both.

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If set to yes, intro bonuses will be included in the calculations if you meet the monthly spend criteria based on what's entered into the tool. Do note that we do not have intro bonuses for all credit cards and we cannot calculate intro bonuses for some cards.

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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.

Best Credit Cards

Listed below are up to 10 of the best rewards credit cards based on the spend amounts you entered (when applicable).

Travel Cards

Travel credit cards are great for building rewards redeemable towards a wide variety of travel including airfare, hotels, car rentals, cruises, and more. Most travel cards also offer a range of benefits that can make your trips more enjoyable and save you money.

Cash Back Cards

Cash back is one of the most flexible form of rewards and most easy to understand. Rewards earned are worth face value and they can be used towards almost anything.

Rewards Cards

If you're looking to earn a solid return on your spend, rewards credit cards are the way to go. These cards offer general rewards that can be used towards a number of different redemptions including cash back, statement credits, travel, gift cards, and more.

Airline Cards

These are the best credit cards if you're looking to use rewards towards award flights. Co-branded credit cards offer benefits such as lounge access the ability to earn qualifying miles through spending.

Hotel Cards

If you're looking to use rewards towards free nights at hotels, these are the best cards for you. Many co-branded hotel cards offer great benefits such as annual free nights, complimentary elite status, and more.

No Annual Fee Cards

If you're looking to minimize your immediate costs while still earning plenty of value, you may want to consider a credit card with no annual fee. Some of these cards also offer lower interest rates and balance transfer offers.

No Foreign Transaction Fee Cards

When you make a charge with your credit card outside of the U.S., many card issuers will charge you a foreign transaction fee which is typically around 3% of the purchase price. Luckily, many credit cards waive foreign transaction fees which is great if you're looking to earn rewards on international spending and travel.

Looking for the best credit cards?

We've run the calculations for you and here are our top picks for best credit cards of 2023:

Best premium card for unlimited miles: Capital One Venture X Rewards Credit Card.
Best for flexible travel rewards: Chase Sapphire Preferred® Card.
Best for everyday spend and travel: Citi Premier® Card.
Best cash back card for groceries: Blue Cash Preferred® Card from American Express.
Best for dining and supermarkets: American Express® Gold Card
Best for business travel rewards: Ink Business Preferred® Credit Card.
Best cash back business card: Capital One Spark Cash Plus

Travel Cards Cash Back Cards Rewards Cards Business Cards

Find the perfect card for you

Our Credit Card Rewards calculator can help you find the perfect card and offers based on your monthly and yearly spending habits. Simply enter your spend amounts into our tool and let us do the work for you!

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Calculate Total Rewards & Card Value Per $1 Spent For 200+ U.S. Credit Cards

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