Last updated: May 2026
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5.0
BestMoneyscore
BestMoney scores are a dynamic formula that combines the anticipated engagement of a credit card with our editorial team’s assessment of that card based on category-specific criteria. This score is updated whenever card offers change.
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on Citi's application
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Citi Double Cash® Card
Welcome Bonus
$200
Rewards Rate
2%-5%
Annual Fee
$0
Recommended Credit Score
Regular APR
17.49% - 27.49% (Variable)
Intro APR
0% Intro APR for 18 months on balance transfers
Rewards Breakdown
Editor's Review
Card Features
Pros & Cons
5%
Earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
2%
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.
4.8
BestMoneyscore
BestMoney scores are a dynamic formula that combines the anticipated engagement of a credit card with our editorial team’s assessment of that card based on category-specific criteria. This score is updated whenever card offers change.
Apply Now
on Citi's application
See Rates & Fees
See Rates & Fees
Citi® Diamond Preferred® Card
Welcome Bonus
N/A
Rewards Rate
N/A
Annual Fee
$0
Recommended Credit Score
Regular APR
16.49% - 27.24% (Variable)
Intro APR
0% for 21 months on Balance Transfers & 12 months on Purchases
Summary
Editor's Review
Card Features
Pros & Cons
The Citi® Diamond Preferred® Card is a solid option if you’re looking to pay down existing debt or finance a large purchase over time. With one of the longest 0% intro APR periods on the market, it’s built for people focused on managing balances.
4.7
BestMoneyscore
BestMoney scores are a dynamic formula that combines the anticipated engagement of a credit card with our editorial team’s assessment of that card based on category-specific criteria. This score is updated whenever card offers change.
Apply Now
on Citi's application
See Rates & Fees
See Rates & Fees
Citi Strata℠ Card
Welcome Bonus
20,000 points
Rewards Rate
1x-5x
Annual Fee
$0
Recommended Credit Score
Regular APR
18.49% - 28.49% (Variable)
Intro APR
0% Intro APR for 15 months
Rewards Breakdown
Editor's Review
Card Features
Pros & Cons
5X
Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com.
3X
Earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.
3X
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.
2X
Earn 2 ThankYou® Points for each $1 spent at Restaurants.
1X
Earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
4.5
BestMoneyscore
BestMoney scores are a dynamic formula that combines the anticipated engagement of a credit card with our editorial team’s assessment of that card based on category-specific criteria. This score is updated whenever card offers change.
Apply Now
on Citi's application
See Rates & Fees
See Rates & Fees
Citi Strata Elite℠ Card
Welcome Bonus
75,000 Points
Rewards Rate
1.5x-12x
Annual Fee
$595
Recommended Credit Score
Regular APR
20.49% - 28.49% (Variable)
Intro APR
N/A
Rewards Breakdown
Editor's Review
Card Features
Pros & Cons
12X
Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com.
6X
Earn 6 Points per $1 spent on Air Travel booked on cititravel.com.
6X
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.
1.5X
Earn 1.5 Points per $1 spent on All Other Purchases.
4.4
BestMoneyscore
BestMoney scores are a dynamic formula that combines the anticipated engagement of a credit card with our editorial team’s assessment of that card based on category-specific criteria. This score is updated whenever card offers change.
Apply Now
on Citi's application
See Rates & Fees
See Rates & Fees
Citi Strata Premier® Card
Welcome Bonus
60,000 points
Rewards Rate
1x-10x
Annual Fee
$95
Recommended Credit Score
Regular APR
19.49% - 27.49% (Variable)
Intro APR
N/A
Rewards Breakdown
Editor's Review
Card Features
Pros & Cons
10X
Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
3X
Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
1X
Earn 1 Point per $1 spent on all other purchases.
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