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The Best Citi Credit Cards of 2026: Earn Big Rewards, Save on Balance Transfers, and More

Review Updated
Brooklyn Sprunger
Author: Brooklyn Sprunger
Brooklyn Sprunger
Brooklyn Sprunger
Content Manager

Brooklyn Sprunger is a former full-time Content Manager and Personal Finance Writer at Motley Fool Money, where she oversaw product reviews and ratings while also writing about credit cards, bank accounts, investing, auto insurance, and other personal finance topics.

See Full Bio

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation. Citi is an advertising partner of Motley Fool Money.

Looking to get a Citi credit card? If so, you've made a smart choice -- for my money, Citi is one of the most underrated card issuers out there.

And whether you're looking for travel rewards, simple cash back, or breathing room from high-interest debt, there's probably a Citi card for you.

Here's our list of the best Citi cards available now, plus what each card is right for.

  • Our team of experts reviewed over 260 credit cards
  • We evaluate all credit cards across the same 4 key criteria: value, welcome experience, fees, and perks
  • Our credit card ratings are never influenced by our advertising partners
  • If we wouldn't recommend an offer to a close family member, we won't recommend it to you

Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.

Two of our favorite Citi cards

Great for paying down debt with a long balance transfer offer: Citi® Diamond Preferred® Card

  • Get 0% intro APR for 21 months on Balance Transfers and 12 months on Purchases. A 16.49% - 27.24% (Variable) APR applies after. You'll get nearly two years to transfer a balance and pay it off interest-free.

Great for rewards with no annual fee: Citi Strata℠ Card

  • Earn 1X-5X ThankYou® Points on eligible spend with a $0 annual fee. Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.

Best Citi credit cards

Best for balance transfers: Citi® Diamond Preferred® Card

Award Icon 2026 Award Winner

Citi® Diamond Preferred® Card

Apply Now for Citi® Diamond Preferred® Card

On Citi's Secure Website.

Rates & Fees External Link Icon

Citi® Diamond Preferred® Card
4.90/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
4.90/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Citi® Diamond Preferred® Card

On Citi's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: 0%, 12 months on Purchases

Balance Transfers: 0%, 21 months on Balance Transfers

Regular APR

16.49% - 27.24% (Variable)

Rewards

N/A

Annual Fee

$0

Welcome Offer

N/A

  • This card sets itself apart with one of the longest 0% intro APR periods available — 21 months on qualifying balance transfers — plus a lower intro balance transfer fee of just 3% for the first 4 months. That combination can help you move your balance for less and pay it down without interest for nearly two years. If you want maximum time to get out of debt while keeping upfront costs low, this is one of the strongest offers available right now.

    Read Full Review
    • Great intro APR
    • No annual fee
    • Free credit score monitoring
    • No rewards
    • Foreign transaction fee
    • 0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 16.49% - 27.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
    • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
    • No Annual Fee - our low intro rates and all the benefits don't come with a yearly charge.
    • Buy now and pay later. Split your payment for eligible purchases of $75 or more into a fixed payment with Citi® Flex Pay.
    • Get free access to your FICO® Score online.


My take: The Citi® Diamond Preferred® Card is our favorite Citi card for balance transfers because it features one of the longest intro APR offers out there for anyone paying off debt. Plus, the intro balance transfer fee is lower than most: There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

This card is all about the intro APR, so it doesn't earn rewards. If you're hoping for long-term value after you pay down your balance, you'll want to look elsewhere. But when it comes to debt payoff, the Citi® Diamond Preferred® Card is the cream of the crop.

Best for customizable rewards: Citi Strata℠ Card

Citi Strata℠ Card

Apply Now for Citi Strata℠ Card

On Citi's Secure Website.

Rates & Fees External Link Icon

Citi Strata℠ Card
4.80/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
4.80/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Citi Strata℠ Card

On Citi's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: 0%, 15 months on Purchases

Balance Transfers: 0%, 15 months on Balance Transfers

Regular APR

18.49% - 28.49% (Variable)

Rewards Circle with letter I in it. Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services. Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations. Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.

1X-5X ThankYou® Points

Annual Fee

$0

Welcome Offer Circle with letter I in it. Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.

20,000 bonus points

  • This no-annual-fee card delivers outsized value for everyday spenders who want flexibility and rewards without the cost. With up to 5X points on Citi Travel® bookings, 3X on gas, supermarkets, transit, and a self-select category, plus 0% intro APR for 15 months on purchases and balance transfers, the Citi Strata℠ Card is a strong fit for anyone looking to earn points and save on interest at the same time.

    Read Full Review
    • No annual fee
    • Welcome offer
    • Earn rewards on travel, gas and grocery purchases
    • Rotating self-select bonus category
    • 0% intro APR
    • Balance transfer fee
    • Earn 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
    • 0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
    • Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
    • Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.
    • Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
    • No Annual Fee

My take: If you're looking for a no-annual-fee card with custom travel rewards, the Citi Strata℠ Card is worth a look.

What sets it apart is the ability to pick a bonus category that actually fits your life -- whether that's streaming services, fitness, or even pet supplies. Not many cards offer that sort of versatility -- and even fewer of them earn travel rewards.

It's not going to out-earn every premium travel card, but it's a great option for inexpensive travel savings.

Best for cash back: Citi Double Cash® Card

Citi Double Cash® Card

Apply Now for Citi Double Cash® Card

On Citi's Secure Website.

Rates & Fees External Link Icon

Citi Double Cash® Card
4.90/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
4.90/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Citi Double Cash® Card

On Citi's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: 0%, 18 months on Balance Transfers

Regular APR

17.49% - 27.49% (Variable)

Rewards Circle with letter I in it. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.

2% cash back

Annual Fee Circle with letter I in it. N/A

$0

Welcome Offer Circle with letter I in it. 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.

$200

  • This card combines a top-notch balance transfer offer with best-in-class unlimited 2% cash back on purchases. There's no introductory APR for purchases, so you'll need to pay those off in full every month if you want to avoid interest charges.

    Read Full Review
    • High cash back
    • 0% intro APR balance transfer offer
    • No annual fee
    • Free credit score monitoring
    • Foreign transaction fee
    • No 0% intro APR on purchases
    • 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.
    • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
    • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% - 27.49%, based on your creditworthiness.
    • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
    • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
    • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

My take: If you don't want to track rotating categories or memorize bonus charts, the Citi Double Cash® Card makes your life easy. You'll earn a solid 2% cash back on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases, and it doesn't matter whether you're buying coffee, concert tickets, or groceries. Plus, there's no annual fee to cut into your earnings.

Of course, while 2% cash back is solid, you won't get many extra rewards for specific categories like some other cards. If you spend a lot in one category, you might earn more with a different cash back card.

Best for premium travel rewards: Citi Strata Elite℠ Card

Citi Strata Elite℠ Card

Apply Now for Citi Strata Elite℠ Card

On Citi's Secure Website.

Rates & Fees External Link Icon

Citi Strata Elite℠ Card
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Citi Strata Elite℠ Card

On Citi's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

20.49% - 28.49% (Variable)

Rewards Circle with letter I in it. Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time Earn 1.5 Points per $1 spent on All Other Purchases

1.5X-12X points

Annual Fee

$595

Welcome Offer Circle with letter I in it. Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.

75,000 bonus points

  • The Citi Strata Elite℠ Card is a premium travel card packed with earning power and high-end perks — ideal for frequent travelers who want to rack up points fast. You’ll earn up to 12X points on bookings made through cititravel.com and up to 6X on weekend dining with CitiNights℠. This card also offers a $300 annual hotel credit and, a generous 75,000-point welcome bonus. Taken together, these perks help offset the $595 annual fee.

    Read Full Review
    • Travel and dining rewards
    • Hotel credit
    • Welcome offer
    • No foreign transaction fee
    • Annual fee
    • No 0% intro APR offer
    • Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.
    • Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com
    • Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time
    • Earn 1.5 Points per $1 spent on All Other Purchases
    • Up to $300 Annual Hotel Benefit: Each calendar year, enjoy up to $300 off a hotel stay of two nights or more when booked through cititravel.com.
    • No Foreign Transaction Fees

My take: The Citi Strata Elite℠ Card is a solid option when it comes to high-end rewards. You'll earn 12X points on hotels, car rentals, and attractions booked on cititravel.com and 6X points on air travel booked on cititravel.com -- among the best rates out there.

Add a $300 hotel credit and a hefty welcome bonus, and this card quickly starts to justify its $595 annual fee -- but only if you actually use those perks.

Best for travel rewards: Citi Strata Premier® Card

Citi Strata Premier® Card

Apply Now for Citi Strata Premier® Card

On Citi's Secure Website.

Rates & Fees External Link Icon

Citi Strata Premier® Card
4.80/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
4.80/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Apply Now for Citi Strata Premier® Card

On Citi's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.49% - 27.49% (Variable)

Rewards Circle with letter I in it. 10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com. Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases. Earn 3 Points per $1 spent on Restaurants. Earn 3 Points per $1 spent on Supermarkets. Earn 3 Points per $1 spent on Gas and EV Charging Stations. Earn 1 Point per $1 spent on All Other Purchases $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking. Travel insurance protection: Trip Cancellation and Trip Interruption (Common Carrier), Trip Delay, Lost or Damaged Luggage, MasterRental Coverage (Car Rental).

1x - 10x points

Annual Fee

$95

Welcome Offer Circle with letter I in it. Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.

60,000 ThankYou® Points

  • Citi Strata Premier offers a unique combination of bonus categories we don't see on many travel cards. It earns 3X points on travel and everyday-type categories, including supermarkets and gas/EV charging. You can also earn a welcome bonus worth $600. That combination of rewards is an excellent value for a relatively low annual fee. Plus, if you run into any problems on a trip, its complimentary travel protections (including coverage for trip delays, trip cancellations and interruptions, and lost/damaged luggage) could save the day.

    • Big sign-up bonus
    • Annual hotel savings offer
    • Travel and dining rewards
    • Grocery and gas rewards
    • Flexible travel rewards points
    • Travel insurance protections
    • Annual fee
    • Redemption options
    • Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
    • Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
    • Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
    • Earn 1 Point per $1 spent on all other purchases
    • $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
    • No expiration and no limit to the amount of points you can earn with this card
    • No Foreign Transaction Fees on purchases

My take: The Citi Strata Premier® Card is a perfect option if you want everyday rewards and bonus earnings when you book big trips -- which is why it earned our award for Best Hotel Credit Card for 2026.

The $100 hotel credit alone can wipe out the annual fee if you use it once a year, and booking through cititravel.com gives you a 10X points boost. You can redeem those ThankYou® Points for travel, gift cards, or statement credit.

Best for Costco shoppers: Costco Anywhere Visa® Card by Citi

Costco Anywhere Visa® Card by Citi

Apply Now for Costco Anywhere Visa® Card by Citi

On Citi's Secure Website.

Rates & Fees External Link Icon

Costco Anywhere Visa® Card by Citi
3.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
3.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Excellent (740-850)
Apply Now for Costco Anywhere Visa® Card by Citi

On Citi's Secure Website.

Rates & Fees External Link Icon

Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Excellent (740-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

18.74% - 26.74% (Variable)

Rewards Circle with letter I in it. Earn 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter. 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel. 2% cash back on all other purchases from Costco and Costco.com. 1% cash back on all other purchases.

1% - 5% back

Annual Fee Circle with letter I in it. N/A

$0

Welcome Offer

N/A

  • There aren't many cash back cards that earn this much on gas and EV charging. Bonuses at restaurants, on travel, and at Costco and costco.com make this a well-rounded card overall. But there are some frustrating downsides, including a slow cash back redemption process and the lack of a sign-up bonus.

    • Bonus gas and EV charging rewards
    • Bonus restaurant and travel rewards
    • No annual fee
    • No foreign transaction fees
    • Purchase protection
    • No sign-up bonus
    • No 0% intro APR
    • Inconvenient cash back redemptions
    • Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
    • Earn 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter.
    • 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel.
    • 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 and enjoy 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


My take: If Costco runs are a regular part of your life, this card is an awesome choice -- and it earned our 2026 award for Best Cobranded Card. You'll earn solid rewards not just at Costco, but also at gas stations, restaurants, and on eligible travel purchases, making it one of the most well-rounded cash back cards out there for Costco members.

However, you have to be a Costco member to get and keep this card. Plus, your rewards are only redeemable once a year (as a reward certificate), which might feel a little restrictive if you're used to cashing out points anytime.

At Motley Fool Money, every credit card we review is rated on a 5-star scale, scored to a tenth of a point. Our ratings weigh the features that matter most: rewards rates, 0% intro APR offers, welcome bonuses, fees, and perks like travel credits and purchase protections.

We score cards within four primary categories:

  • 0% intro APR cards for paying down balances or financing purchases
  • Travel cards for maximizing points, miles, and perks on the road
  • Cash back and rewards cards for everyday spending value
  • Business cards designed to fit company expenses and growth

Top-rated cards typically combine strong long-term value, attainable bonuses, low fees, and standout protections or perks.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best credit card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.

Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.

At Motley Fool Money, every credit card we review is rated on a 5-star scale, scored to a tenth of a point. Our ratings weigh the features that matter most: rewards rates, 0% intro APR offers, welcome bonuses, fees, and perks like travel credits and purchase protections.

We score cards within four primary categories:

  • 0% intro APR cards for paying down balances or financing purchases
  • Travel cards for maximizing points, miles, and perks on the road
  • Cash back and rewards cards for everyday spending value
  • Business cards designed to fit company expenses and growth

Top-rated cards typically combine strong long-term value, attainable bonuses, low fees, and standout protections or perks.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best credit card recommendations. Our aim is to maintain a balanced best-of list featuring top-scoring credit cards from reputable brands. 'Best for' category selections on this page are determined by our editors, and a single card may be recognized in multiple categories.

Ordering within lists is influenced by advertiser compensation, including featured placements at the top of a given list, but our product recommendations are NEVER influenced by advertisers. Learn more about how Motley Fool Money rates credit cards.

How to choose the right Citi card for you

There are lots of great Citi cards to choose from. Picking the right one for you really comes down to how you want to spend and save. Here's a quick way to narrow it down.

Know your main goal. Are you hoping to earn rewards, or to pay off debt without interest for a while? Cards like the Citi Double Cash® Card are great for simple cash back, while the Citi® Diamond Preferred® Card is better if you're focused on paying down debt.

Think about where you spend most. Some Citi cards pay higher rewards in certain spending categories. Others offer across-the-board rewards.

Weigh annual fees vs. rewards. A small annual fee isn't always a bad thing if the rewards you earn make it worthwhile, but if you're a light spender, you might want to stick with a no-annual-fee option.

Check for intro offers. Citi often offers strong welcome bonuses or 0% APR intro periods. If you have a big purchase or balance transfer coming up, timing your application to snag an intro offer could save you serious money.

Make sure you'll actually use your rewards. Billions of credit card rewards go unused every year, per Motley Fool Money research. Picking a card with straightforward redemption options -- like Citi's ThankYou® Points program -- helps make sure the rewards you earn actually turn into savings.

FAQs

  • Most Citi cards require good to excellent credit, typically a FICO® Score of 670 or higher. Some cards may be a little more flexible, but higher scores usually qualify for the best offers.

  • Yes. Citi offers a prequalification tool that lets you check your chances without a hard credit pull. Just know that prequalification isn't a guarantee of approval.

  • ThankYou® Points are Citi's flexible rewards currency. You can redeem points for travel, gift cards, or cash back, or even transfer them to select airline partners if you have a premium card.

  • Yes. Just be mindful of Citi's application rules -- like waiting at least eight days between applications and applying for no more than two Citi cards in a 65-day period.

  • Citi typically pulls from Equifax or Experian, though the bureau can vary by applicant and location. Checking your own credit report beforehand can help you gauge whether you'll qualify for approval.