Citicards are one of the most popular credit cards, and they are issued by Citibank (NYSE:C), one of the Big Four banks in the US. Citi cards has a core collection of cards to suit your needs, whether you are looking for a Visa or MasterCard with rewards, 0% APRs on balance transfers and purchases, or low long-term APRs. Compared to cards from Chase, Bank of America and Wells Fargo, I think Citicards are among the top-rated balance transfer cards.
Here is a list of the best Citicards with no annual fee. You need good to excellent credit score for these cards (except for the student card).
Citi Simplicity® Card. This is actually the most popular Citi card, and is designed for people who want to do a 0% balance transfer to cut any existing card debt. It comes with 0% introductory APR on balance transfers and purchases for 18 months, and after that, your APR will be from 12.99%-21.99%, depending on your credit score. To help you save more money, you will get discounts when you use this Citi Simplicity Card to pay for purchases at their Extra Cash online shopping site. This Citi Simplicity Card also comes with additional perks such as giving you free extended warranty and retail purchase protection.
Read Citi Simplicity Card review.
Citi® Diamond Preferred® Card. This is an equally great balance transfer card from Citi as it has a 0% introductory APR on balance transfers and purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based upon your creditworthiness. This Citi Diamond Preferred Card is also a MasterCard and it comes with round-the-clock concierge that you can call if you need someone to help you make reservations. With Private Pass, you get special access to interesting experiences and events.
Read Citi Diamond Preferred Card review.
Citi ThankYou® Preferred Card – Earn 20,000 Bonus Points. This new rewards card from Citi gives you 20,000 points (worth $200 in gift cards) when you spend $1,500 within the first 3 months. It also lets you earn 2 points for every dollar spent on entertainment and dining purchases, and 1 point for each dollar you spend on other purchases with your card. Redeem your points for a wide range of rewards through Citi’s ThankYou program.
Read Citi ThankYou Preferred Card – Earn 20,000 Bonus Points review.
Citi® Platinum Select® / AAdvantage® World MasterCard®. This is the official American Airlines credit card, and it gives you 30,000 bonus miles – enough for a free round trip domestic flight – when you spend $1,000 in the first 3 months. With this card, you will also receive $100 American Airlines Flight Discount each year when you spend at least $30,000 and renew your card membership. When redeeming your miles, you will receive 10% more miles, up to 10,000 miles yearly. Earn 2 miles for each dollar you spend on American Airlines, and 1 mile for everything else. $95 annual fee, waived for first 12 months.
Read our American Airlines card review.
Citi® Dividend Platinum Select® Visa® Card. Do you like getting cash rewards? This card gives you a $100 signing bonus when you spend $500 within the first 3 months of having the card and lets you earn up to 5% rebate from Citi on purchases, which is like getting discounts. An interesting aspect of the Citi Dividend Platinum is that you also get an average of a 5% discount when you buy things through their online shopping site. You can earn up to a total of $300 in a calendar year. For the first 12 months, there is a 0% intro APR on balance transfers and purchases, after that, the variable APR will be 12.99%-22.99% based on your creditworthiness. This card has no annual fee.
Read Citi Dividend Platinum Select review.
Citi® Hilton HHonors™ Visa Signature® Card. This hotel rewards card lets you earn 6 points for every $1 spent at more than 3,600 hotels within the Hilton HHonors portfolio, 3 points at supermarkets, gas stations and drugstores, and 2 points for everything else. Redeem points for free hotel nights, auto rentals or airline miles. This Citi Hilton HHonors Visa Signature Card doesn’t have any pre-set spending limit. Grab this Hilton credit card while there’s no annual fee!
CitiBusiness ThankYou® Card – 15,000 Bonus Points. This is a great business rewards credit card that offers 15,000 bonus points when you spend $3,000 on purchases within the first 3 months. With this card you will earn 3 points for each dollar you spend in quarterly rotating categories and 1 point for every dollar you spend on other purchases. It also offers 0% intro APR on purchases during the first 6 months and 13.24% APR thereafter. As an anniversary bonus, each year you will receive a percentage of the points you earned during the year. No annual fee.
Read CitiBusiness ThankYou® Card review.