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The best credit card for you might not be a good fit for others, and some consumers are better off pursuing offers with a specific credit card issuer. Citi tends to work well for certain types of spenders, including people who want to earn a high rate of cash back and those who like the redemption options in the Citi ThankYou Rewards program. Citi is an Insider partner.

Citi also boasts credit cards with some of the longest intro APR offers available today, making Citi a popular card issuer for debt consolidation and balance transfers

If you’re looking for a new credit card and you’re a Citi customer already or want to become one, you should know about the top credit cards Citi offers. Here are our picks for 2022.

We’re focused here on the rewards and perks that come with each card. These cards won’t be worth it if you’re paying interest or late fees. When using a credit card, it’s important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.

Compare the best Citi credit cards
Best Citi credit card overall: Citi Premier card

The Citi Premier Card is our top Citi credit card for 2022 because the rewards you earn are so versatile, yet you don’t have to pay a pricey annual fee. With an annual cost of just Citi Premier® Card per year, this card is offering a bonus of 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first three months of account opening.

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You also earn 3x points at restaurants, gas stations, supermarkets, air travel, and hotels — which makes the card worth considering for everyday expenses, as well as for travel down the road.

The Citi Premier Card doesn’t have any foreign transaction fees, and you can use your rewards for gift cards, statement credits, travel through the Citi portal, and transfers to Citi’s airline and hotel partners. You can also shop with points on Amazon.com, BestBuy.com, and at retailers like CVS and Shell gas stations. Most redemption options are for 1 cent per point, but you may get more value when you transfer your rewards to loyalty program partners. 

Citi also recently added Choice Hotels as a partner — the first hotel transfer partner since Hilton left the ThankYou Rewards program in 2017 — and shortly thereafter added Wyndham Rewards as its second hotel program.

Here’s our Citi Premier review for all the details.

Citi ThankYou points are worth, on average, 1.6 cents each …read more

Source:: Business Insider

      

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