Best Citi Credit Cards

Citi / AAdvantage Platinum Select World Elite Mastercard Review

Citi-AAdvantage-Platinum-Select-World-Mastercard

Rating: 4 Stars

Bottom Line:
For American Airlines Travelers

Card Details

Regular APR:	17.49% to 25.49% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	Earn 2 AAdvantage miles per dollar on American Airlines purchases Earn 2 AAdvantage miles for each $1 spent on purchases at restaurants (including cafes, bars, lounges, and fast food restaurants) and at gas stations Earn 1 AAdvantage mile on all other purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0 in first year, $99 after first year
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 50,000 American Airlines AAdvantage bonus miles after $2,500 in purchases in the first 3 months of account opening
American Airlines AAdvantage bonus miles are not available if you have received a new account bonus for a Citi / AAdvantage Platinum Select account in the past 48 months.
Earn AAdvantage miles on purchases
Experience truly rewarding travel
Travel with ease and enjoy global acceptance with your Citi chip credit card

Is Citi / AAdvantage Platinum Select World Elite Mastercard worth it?

CitiBusiness / AAdvantage Platinum Select World Elite Mastercard is a great card for travelers who fly American Airlines.

Pros

Intro bonus of 50,000 American Airlines AAdvantage bonus miles after $2,500 spent in first 90 days of account opening
Solid rewards rate on American Airlines travel and business purchases – earn 2 AAdvantage miles per dollar spent on eligible American Airlines purchases, restaurants and gas stations
No foreign transaction fee

Cons

$99 fee after first year
Travel perks are specific to American Airlines

Why 4 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR	Up to 29.99% (Variable)

Benefits

$0 Fraud Liability

Concierge Service

Get Started with Citi / AAdvantage Platinum Select World Elite Mastercard

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

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Citi Rewards+ Review

Rating: 5 Stars

Bottom Line:
Grocery and Gas Rewards For People Who Make A Lot Of Small Purchases

Apply Now

Card Details

Regular APR:	15.49% – 25.49% (Variable)
Intro APR (Purchases):	0% for 15 months
Intro APR (Balance transfers):	0% for 15 months
Rewards Rate:	2 ThankYou Points per dollar at Supermarkets and Gas Stations for the first $6,000 per year, then 1 point per dollar 1 point per dollar on all other purchases Every purchase is rounded up to nearest 10 points ($3 cup of coffee earns 10 points, $12 pizza earns 20 points)
Credit Needed:	(670 ? 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Mastercard?

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
The Citi Rewards+ Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase, with no cap
Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 15.49% – 25.49%, based on your creditworthiness.
Earn 2X ThankYou Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
Get 10% Points Back for the first 100,000 ThankYou Points you redeem per year

Is Citi Rewards+ worth it?

Citi Rewards+ is a solid card for cardholders who shop at supermarkets and gas stations with high frequency. This card is also good for paying for purchases over time and balance transfers with 0% Intro APR for 15 months.

Pros

0% Intro APR on purchases and balance transfers for 15 months
15,000 bonus points after you spend $1,000 within 90 days of account opening
10% points back for the first 100,000 points you earn every year
No annual fee

Cons

ThankYou points convert to cash back at a lower than average rate than other points

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	2.7% in USD
Balance Transfer Fee	3% of the balance transfer amount or $5, whichever is greater
Cash Advance Fee	N/A
Penalty APR	29.99% APR

Benefits

$0 Fraud Liability

Concierge Service

Get Started with Citi Rewards+

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American Airlines AAdvantage MileUp Credit Card Review

Rating: 4 Stars

Bottom Line:
Travel Without An Annual Fee

Apply Now

Card Details

Regular APR:	17.49% to 25.49%
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	Earn 2 AAdvantage miles for each $1 spent at grocery stores, including grocery delivery services Earn 2 AAdvantage miles for every $1 spent on eligible American Airlines purchases Earn 1 AAdvantage mile for every $1 spent on other purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Mastercard?

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
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
Earn 2 AAdvantage miles for each $1 spent at grocery stores, including grocery delivery services
Earn 2 AAdvantage miles for every $1 spent on eligible American Airlines purchases
Earn 1 AAdvantage mile for every $1 spent on other purchases
25% savings on inflight purchases of drinks and snacks when you use your card on American Airlines flights
There’s no limit to the number of AAdvantage miles you can earn
Use your miles for award travel to over 1,000 destinations worldwide, with flexible redemption options for one-way or round trip awards on American Airlines. Your AAdvantage miles can also be redeemed for Business and First Class upgrades, car rentals, hotel stays or vacation packages. The choice is yours
No Annual Fee.
Terms Apply.

Is American Airlines AAdvantage MileUp Credit Card worth it?

American Airlines AAdvantage MileUp is a great card for people who fly American Airlines from time to time, but don’t want an annual fee card. Cardholders earn 2 AAdvantage miles on every dollar spent on American Airlines purchases and at grocery stores, including grocery delivery services.

The card has no annual fee, and as a result you get no first free checked bag and no preferred boarding, which is offered by the other AAdvantage cards issued by Citi. That said, the welcome bonus takes only $500 in spend to hit, so if you’re looking to fly American Airlines and don’t want to shell out for a more premium travel card, American Airlines AAdvantage MileUp is a great card for you.

Pros

Earn 2 AAdvantage miles for each $1 spent at grocery stores, including grocery delivery services
Earn 10,000 American Airlines AAdvantage Bonus Miles and Receive a $50 statement credit after making $500 in purchases within the first 3 months

Cons

Foreign transaction fee – not good for a travel card, unless you only travel domestically
No first free checked bag
No preferred boarding

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	Either $5 or 3% of the amount of each transfer, whichever is greater.
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater.
Penalty APR	Up to 29.99% APR

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Concierge Service

Get Started with American Airlines AAdvantage MileUp Credit Card

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Citi / AAdvantage Executive World Elite Mastercard Review

Rating: 4 Stars

Bottom Line:
Admirals Club Lounge Access

Apply Now

Card Details

Regular APR:	17.74% – 25.74%* (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	2 AAdvantage miles per dollar on eligible American Airlines purchases 1 AAdvantage mile per dollar on other purchases
Credit Needed:	(740 – 850) Excellent
Annual Fee:	$450
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 50,000 American Airlines AAdvantage? bonus miles after spending $5,000 in purchases within the first 3 months of account opening
Admirals Club membership for you and access for guests traveling with you
Complimentary Admirals Club lounge access for authorized users
Earn 10,000 AAdvantage Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases within the year
No Foreign Transaction Fees on purchases*
Earn 2 AAdvantage miles for every $1 spent on eligible American Airlines purchases and 1 AAdvantage mile for every $1 spent on other purchases
First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation

Is Citi / AAdvantage Executive World Elite Mastercard worth it?

Citi / AAdvantage Executive World Elite Mastercard is a great card for travelers who fly American Airlines frequently. This card offers Admirals Club lounge access as a perk.

Pros

Intro bonus of 50,000 American Airlines AAdvantage bonus miles after $5,000 spent in first 90 days of account opening
Solid rewards rate on American Airlines travel and dining – earn 2 AAdvantage miles per dollar spent on eligible American Airlines purchases, 1 AAdvantage mile per dollar spent on other purchases
Free Admirals Club Access – $550-$650 value
No foreign transaction fee

Cons

$450 annual fee

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	0%
Balance Transfer Fee	3% of the balance transfer amount or $5, whichever is greater
Cash Advance Fee	5% of the transaction amount or $10, whichever is greater
Penalty APR	Up to 29.99% (Variable)

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Concierge Service

Extended Warranty Program

Travel Accident Insurance

Lost Luggage Reimbursement

Purchase Protection

Roadside Assistance

Travel Assistance

Get Started with Citi / AAdvantage Executive World Elite Mastercard

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CitiBusiness / AAdvantage Platinum Select World Mastercard Review

CitiBusiness? / AAdvantage? Platinum Select? World Mastercard? Credit Card

Rating: 5 Stars

Bottom Line:
For American Airlines Business Travelers

Apply Now

Card Details

Regular APR:	17.74% – 25.74% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	2 AAdvantage miles per dollar on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations* 1 AAdvantage mile per dollar on other purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0 in first year, $99 after first year
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Designed for businesses
Earn 60,000 American Airlines AAdvantage bonus miles after making $3,000 in purchases in first 3 months of account opening
First checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line*
25% savings on American Airlines inflight Wi-Fi when you use your card*
Enjoy preferred boarding on American Airlines flights*
Earn 2 AAdvantage miles per $1 spent on eligible American Airlines purchases
Earn 2 AAdvantage miles per $1 spent on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations*
Earn 1 AAdvantage mile per $1 spent on other purchases*
No Foreign Transaction Fees*

Is CitiBusiness / AAdvantage Platinum Select World Mastercard worth it?

CitiBusiness / AAdvantage Platinum Select World Mastercard is a great card for business owners who fly American Airlines.

Pros

Intro bonus of 60,000 American Airlines AAdvantage bonus miles after $3,000 spent in first 90 days of account opening
Solid rewards rate on American Airlines travel and business purchases – earn 2 AAdvantage miles per dollar spent on eligible Ameircan Airlines purchases, gas stations, telecommunications merchants, cable and satellite providers, and car rental merchants
No foreign transaction fee

Cons

$99 fee after first year
Travel perks are specific to American Airlines

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	No Balance Transfers Allowed
Cash Advance Fee	5% of the transaction amount or $10, whichever is greater
Penalty APR	Up to 29.99% (Variable)

Benefits

$0 Fraud Liability

Concierge Service

Get Started with CitiBusiness / AAdvantage Platinum Select World Mastercard

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Citi Simplicity Card Review

Citi Simplicity - No Late Fees Ever Credit Card

Rating: 5 Stars

Bottom Line:
Pay Off Debt Over Time

Apply Now

Card Details

Regular APR:	16.24% – 26.24% (Variable)
Intro APR (Purchases):	0% for 12 months
Intro APR (Balance transfers):	0% for 21 months
Rewards Rate:	None
Credit Needed:	(670 ? 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
No Late Fees, No Penalty Rate, and No Annual Fee Ever
0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that, the variable APR will be 16.24% – 26.24%, based on your creditworthiness
0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 16.24% – 26.24%, based on your creditworthiness
If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balances, are paid in full
There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
Save time when you call with fast, personal help, 24 hours a day – just say “representative”
Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month

Is Citi Simplicity Card worth it?

Citi Simplicity Card is an excellent card for paying off debt with 0% Intro APR for 21 months on balance transfers. This card has no rewards.

Pros

0% Intro APR for 21 months on balance transfers
No late fees
No annual fee

Cons

No rewards
Higher than average balance transfer fee

Why 4 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	5% on transaction amount or $5, whichever is greater.
Cash Advance Fee	5% on transaction amount or $10, whichever is greater.
Penalty APR	None

Benefits

$0 Fraud Liability

Extended Warranty Program

Get Started with Citi Simplicity Card

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Citi Rewards+ Student Credit Card Review

Rating: 4 Stars

Bottom Line:
Student Grocery and Gas

Apply Now

Card Details

Regular APR:	16.49% – 26.49% (Variable)
Intro APR (Purchases):	0% for 7 months
Intro APR (Balance transfers):	None
Rewards Rate:	2 ThankYou Points per dollar at Supermarkets and Gas Stations for the first $6,000 per year, then 1 point per dollar 1 point per dollar on all other purchases Every purchase is rounded up to nearest 10 points ($3 cup of coffee earns 10 points, $12 pizza earns 20 points)
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
The Citi Rewards+ Student Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap
Earn 2,500 bonus points after you spend $500 in purchases with your card within 3 months of account opening; redeemable for a $25 gift card at thankyou.com
0% Intro APR on purchases for 7 months. After that, the variable APR will be 16.49% – 26.49%, based on your creditworthiness
Earn 2X ThankYou Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
Get 10% Points Back for the first 100,000 ThankYou Points you redeem per year
No annual fee

Is Citi Rewards+ Student Credit Card worth it?

Citi Rewards+ Student is a solid card for cardholders who shop at supermarkets and gas stations with high frequency. This card is also good for students to pay off purchases over time with 0% Intro APR for 7 months.

Pros

0% Intro APR on purchases for 7 months
2,500 bonus points after you spend $500 within 90 days of account opening
10% points back for the first 100,000 points you earn every year
No annual fee

Cons

ThankYou points convert to cash back at a lower than average rate than other points

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	3% of the balance transfer amount or $5, whichever is greater
Cash Advance Fee	5% of the transaction amount or $10, whichever is greater
Penalty APR	Up to 29.99% (Variable)

Benefits

$0 Fraud Liability

Get Started with Citi Rewards+ Student Credit Card

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Citi Costco Anywhere Review

Rating: 4 Stars

Bottom Line:
For People Who Spend A Lot At Costco

Apply Now

Card Details

Regular APR:	17.24% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	4% back on eligible gas for the first $7,000 per year and then 1% thereafter 3% on restaurants & travel 2% at Costco & Costco.com 1% on all other purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$0
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
3% cash back on restaurants and eligible travel purchases
2% cash back on all other purchases from Costco and Costco.com
1% cash back on all other purchases
No annual fee with your paid Costco membership
No matter where life takes you, experience no foreign transaction fees on purchases
Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico

Is Citi Costco Anywhere Credit Card worth it?

Citi Costco Anywhere Visa is a great card for Costco shoppers who spend a lot on restaurants, travel, and especially gas. The annual fee starts at $60 for a Costco membership.

The rewards rate high. The unlimited 3% cash back on restaurants and eligible travel purchases is especially attractive, but the challenge is that the cash is returned to you once a year and is only redeemable at Costco. In other words, it’s not really cash back, but a Costco certificate.

Pros

4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter – that’s $280 if you spend $7,000
3% cash back on restaurants and eligible travel purchases
2% cash back on all other purchases from Costco and Costco.com – great for frequent Costco shoppers

Cons

Must be Costco member
No travel perks, just cash back on eligible travel purchases – airfare, hotels, car rentals, travel agencies, cruise lines and Costco Travel
Cash back is provided as an annual credit card reward certificate once your February billing statement closes, and is redeemable for cash or merchandise at U.S. Costco Warehouses

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	3% of the balance transfer amount or $5, whichever is greater
Cash Advance Fee	5% of the transaction amount or $10, whichever is greater
Penalty APR	Up to 29.99% (Variable)

Benefits

$0 Fraud Liability

Get Started with Citi Costco Anywhere Credit Card

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Citi Diamond Preferred Card Review

Rating: 5 Stars

Bottom Line:
Pay Off Debt and Get Presale Tickets

Apply Now

Card Details

Regular APR:	14.49 – 25.49 (Variable)
Intro APR (Purchases):	0% for 18 months
Intro APR (Balance transfers):	0% for 18 months for transfers in first 120 days
Rewards Rate:	None
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	None
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Low intro APR plus VIP Access
Make the most of great savings with the Citi Diamond Preferred card, by taking advantage of its introductory low APR on credit card balance transfers, as well as purchases with no annual fee
Apply for the Citi Diamond Preferred card and start saving today. Experience great benefits like VIP packages to concerts, sporting events and more with access to Citi Private Pass
0% Intro APR for 18 months from date of account opening on purchases and 0% Intro APR for 18 months from date of first transfer of balance. After that, the variable APR will be 15.49% – 25.49%, based on creditworthiness. Balance transfers must be completed within 4 months of account opening
Choose to pay your bill on any available due date in the beginning, middle or end of the month. Enjoy the flexibility of paying your full balance or just the minimum payment due each month

Is Citi Diamond Preferred Card worth it?

Citi Diamond Preferred Card is a great card for paying off debt over a long period of time. The 0% Intro period is for 18 months, which is almost the longest intro period available.

Citi? Diamond Preferred offers Citi Entertainment as a benefit. You get special access to purchase tickets to thousands of events annually.

Pros

Citi Entertainment as a benefit
0% Intro APR for 18 months from date of first transfer of balance for transfers in first 120 days
No annual fee

Cons

5% balance transfer fee
Foreign transaction fee

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	Either $5 or 5% of the amount of each transfer, whichever is greater.
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR	Up to 29.99%

Benefits

$0 Liability

Citi Entertainment

Citi? Identity Theft Solutions

Get Started with Citi Diamond Preferred Card

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My Best Buy Visa Review

Rating: 4 Stars

Bottom Line:
Rewards for Best Buy Shoppers

Apply Now

Card Details

Regular APR:	26.99% (Variable)
Intro APR (Purchases):	11.90% for select purchases eligible for the 48 month reduced rate credit plan
Intro APR (Balance transfers):	None
Rewards Rate:	Points are worth $0.02 each, so 1 point gets 2% back in rewards Get 2.5 points per $1 spent (5% back in rewards) on qualifying Best Buy? purchases when you choose Standard Credit. Elite Plus members get an additional .5 points per $1 spent (a total of 6% back in rewards) on qualifying Best Buy purchases using Standard Credit Get 1.5 points per $1 spent (3% back in rewards) on net purchases made at gas stations Get 1 point per $1 spent (2% back in rewards) on net purchases made at restaurants and bars Get 1 point per $2 spent (1% back in rewards) on net purchases outside Best Buy After 12/31/2019, you no longer get 1.5 points per $1 spent (3% back in rewards) on net purchases made at grocery stores and furniture stores (home, office, commercial and outdoor)
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	None (Platinum) $59 (Gold)
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Shopping at Best Buy: 5% back in rewards and 6% back in rewards for Elite Plus Cardmembers
Shopping where Visa is accepted: After 12/31/2019, you no longer get 3% back in rewards on grocery and furniture purchases, you get 3% back in rewards on gas purchases, 2% back in rewards on dining purchases, and 1% back in rewards on everyday purchases
Your Card is part of the My Best Buy program, giving you even more rewards to save on the technology you want at Best Buy

Is My Best Buy Visa worth it?

My Best Buy Visa Credit Card is a solid card for people who shop at Best Buy a lot. Cardholders earn 5% back on Best Buy purchases in rewards that can be redeemed for other Best Buy purchases. Reward certificates have no cash value and may be redeemed only for purchases greater or equal than the purchase amount. In other words you can’t pay for any item entirely with certificates unless it’s the exact amount.

People who don’t shop at Best Buy regularly would get better rewards from a normal cash back or travel rewards card.

Pros

Get 2.5 points per $1 spent (5% back in rewards) on qualifying Best Buy purchases

Cons

Points come in the form of best Buy reward certificates and can only be used toward purchases at Best Buy
high APR
Financed purchases don?t earn rewards
Points expire if card or reward certificate is not used in 24 months
Mobile wallet transactions may not get loyalty benefits, so try to use the physical card when possible

Why 4 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either $15 or 5% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Get Started with My Best Buy Visa

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If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

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Citi Secured Mastercard Review

Rating: 4 Stars

Bottom Line:
Build Credit Without An Annual Fee

Apply Now

Card Details

Regular APR:	24.24% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	None
Credit Needed:	(0 – 300) Bad/Limited/No
Annual Fee:	None
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Help build your credit history by using your card responsibly
A security deposit is required for this product (minimum of $200). The security deposit is always equal to your credit limit
If you are approved and you deposit $200, your credit limit (the maximum amount you can spend) is $200
Use it anywhere Mastercard is accepted with $0 liability on unauthorized charges
No Annual Fee

Is Citi Secured Mastercard worth it?

Citi Secured Mastercard is a great card for people looking to build their credit by putting down a deposit. By using this card and making on-time payments – 18 months recommended – you can increase your credit limit and increase your credit score. You are ineligible for this card if your credit shows any bankruptcy history within the last two years.

Pros

Build your credit
Monthly reporting to all 3 major credit bureaus
Minimum security deposit of $200 is on the low end for secured cards
No annual fee

Cons

No rewards
Requires credit check
High regular APR for a secured card: you would be paying interest at 24.24% APR on a loan you gave yourself

Why 5 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR	Up to 29.99%

Benefits

$0 Fraud Liability

Get Started with Citi Secured Mastercard

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Citi Prestige Card Review

Rating: 5 Stars

Bottom Line:
For Air Travelers Who Eat Out

Apply Now

Card Details

Regular APR:	18.74% – 25.74% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	Earn 5X Points on Air Travel and Restaurants Earn 3X Points on Hotels and Cruise Lines 1X on all other purchases
Credit Needed:	(740 – 850) Excellent
Annual Fee:	$495
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 50,000 bonus ThankYou Points after you spend $4,000 in purchases with your card within 3 months of account opening
Bonus ThankYou Points are not available if you received a new cardmember bonus for Citi Rewards+SM, Citi ThankYou Preferred, Citi ThankYou Premier/Citi PremierSM or Citi Prestige, or if you have closed any of these accounts, in the past 24 months
Earn 5X Points on Air Travel and Restaurants. Earn 3X Points on Hotels and Cruise Lines. 1X on all other purchases
Up to $250 Travel Credit every calendar year
Enjoy complimentary access to hundreds of VIP lounges through Priority Pass Select
Complimentary fourth night hotel statement credit equal to the average nightly rate of your four consecutive night stay for any hotel booked through thankyou.com or by phone at 1-800-THANKYOU

Is Citi Prestige Card worth it?

Citi Prestige is a great card for air travelers who eat out with 5x points on air travel and restaurants. The sign up bonus is solid: earn 50,000 ThankYou Points after you spend $4,000 in purchases with your card within 3 months of account opening. The points can be used to book airfare through Citi’s ThankYou portal at a solid rate of 1 cent per point, and there are no blackout dates. You can also transfer points but please note there is only one domestic airline, JetBlue, among the travel partners.

Pros

5X points on air travel and restaurants
You can transfer points to travel partners including Air France/KLM Flying Blue, Cathay Pacific Asia Miles, JetBlue TrueBlue, Virgin Atlantic Flying Club, and more than 5 more.
Access to Priority Pass Select, which has 700 lounges wordwide
Up to $250 Travel Credit every calendar year
Free credit against Global Entry or TSA PreCheck application fee, up to $100 every five years – renewals covered
No foreign transaction fee

Cons

$495 annual fee
Travel partners only include one domestic airline, JetBlue

Why 5 Stars?

Regular APR

5 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater.
Penalty APR	Up to 29.99%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Get Started with Citi Prestige Card

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.

Citi Premier Card Review

Rating: 5 Stars

Bottom Line:
For Air and Road Travelers

Apply Now

Card Details

Regular APR:	17.74% – 25.74% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	Earn 3X Points on Travel including Gas Stations Earn 2X Points at Restaurants and on Entertainment Earn 1X Points on All Other Purchases
Credit Needed:	(670 – 850) Excellent/Good
Annual Fee:	$95
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Earn 60,000 bonus ThankYou Points after you spend $4,000 in purchases with your card within 3 months of account opening
Earn 3X Points on Travel including Gas Stations, 2X Points at Restaurants and on Entertainment, and 1X Points on All Other Purchases
ThankYou Points are worth 25% more when redeemed for airfare through the ThankYou Travel Center, as compared to gift cards redeemed from the ThankYou Rewards collection
Enjoy no foreign transaction fees on purchases

Is Citi Premier Card worth it?

Citi Premier is a great card for travelers with 3x points on travel, including gas stations. The sign up bonus is big: earn 60,000 ThankYou Points after you spend $4,000 in purchases with your card within 3 months of account opening. The points can be used to book airfare through Citi’s ThankYou portal, and there are no blackout dates. You can also transfer points but please note there is only one domestic airline, JetBlue, among the travel partners.

Pros

3X points on travel includes airlines, hotels, car rental agencies, travel agencies, gas stations, cruise lines, parking garages, and more
You can transfer points to travel partners including Air France/KLM Flying Blue, Cathay Pacific Asia Miles, JetBlue TrueBlue, Virgin Atlantic Flying Club, and more than 5 more.
No foreign transaction fee
If you have the Citi Double Cash, you earn 2% cash back on all purchases: 1% when you make a purchase and another 1% when you pay your bill. Because cash back can be converted to points at a 1:1 ratio, you can transfer those points to your Citi Premier card to redeem for airfare in the ThankYou portal. You would essentially be getting 2% airfare rewards on all of your purchases, not just the categories allowed by Citi Premier, by using your Citi Double Cash.

Cons

$95 annual fee
Travel partners only include one domestic airline, JetBlue

Why 5 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

5 Stars

Perks

5 Stars

Overall

5 Stars

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either $5 or 3% of the amount of each transfer, whichever is greater.
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater.
Penalty APR	Up To 29.99%

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Extended Warranty Program

Purchase Protection

Roadside Assistance

Travel Accident Insurance

Get Started with Citi Premier Card

Credit Cards Research:

Best Credit Cards for 2021
These are the best credit cards for 2021.

Best Credit Cards for Excellent Credit
If you have excellent credit, check out these cards. These are the best cards for excellent credit with travel rewards and cash bonuses.

Best Credit Cards to Pay off Debt
The fastest way to pay off credit card debt is by transferring a balance to a 0% APR credit card. These are the best balance transfer cards on the market.