Citi credit cards
Citi's own card catalog mixes co-branded and store cards with its Citi-branded personal cards, which run from no-annual-fee cards such as the Simplicity, Diamond Preferred and Secured Mastercard up to the Strata Elite with its $595 annual fee 1. The Strata Elite, Strata Premier and Strata cards and the Double Cash Card earn Citi ThankYou Points 74108.
Contents7 sections
At a glance
| Card issuer | Citibank, N.A.4 |
|---|---|
| Personal cards covered | 7: Diamond Preferred, Double Cash, Secured Mastercard, Simplicity, Strata, Strata Premier, Strata Elite |
| Rewards program | Citi ThankYou Rewards |
| Card catalog | citi.com |
What to know about Citi cards
The Citi-branded lineup falls into a few groups. The Strata Elite, with a $595 annual fee, and the Strata Premier, with a $95 fee, are the travel cards and earn their highest rates on hotels, car rentals and attractions booked through Citi Travel 65. The Strata and the Double Cash Card are no-annual-fee rewards cards, Citi's catalog presents the $0-fee Diamond Preferred for balance transfers and the $0-fee Simplicity for purchases, and it lists the Citi Secured Mastercard under building credit 1. Citi stopped accepting applications for the Citi Custom Cash Card as of May 28, 2026; existing cardmembers keep their cards and benefits, and Citi directs cash back applicants to the Double Cash Card 2.
ThankYou Points earned on the Strata cards can be redeemed through Citi Travel, for gift cards, cash back and Shop with Points, or transferred to airline and hotel partners such as American Airlines, JetBlue and Virgin Atlantic, with a minimum transfer of 1,000 points 5. The Double Cash Card's cash back is also paid as ThankYou Points and can be taken as cash at 10,000 points for $100 8. Citi's terms say the ThankYou Rewards program may be terminated with 30 days' prior written notice, after which members would have 90 days to redeem their points 4.
Protection benefits are described in a Guide to Protection Benefits that Citi sends with the card, and Citi's terms note that benefits carry limitations, including on the amount of coverage 4. Card-specific benefit details are shown after signing on at cardbenefits.citi.com 3. For the Strata Elite and Strata Premier, the pricing terms name New Hampshire Insurance Company, an AIG company, as the provider of coverage and describe it as secondary except where stated; on the Strata Elite, MasterRental car rental coverage is primary outside the renter's country of residence 74.
Citi's card terms name Citibank, N.A., Sioux Falls, SD, as the issuer of the account 4. In May 2024 Citi renamed the Citi Premier Card the Citi Strata Premier Card, moved it to the Mastercard network and added trip cancellation and interruption, trip delay, lost or damaged luggage and MasterRental coverage 9.
Citi cards compared
| Card | Annual fee | Foreign fee | Rewards |
|---|---|---|---|
| Citi Diamond Preferred Credit Card | $0 | 3% | Does not earn rewards. |
| Citi Double Cash Card | $0 | 3% | Earns 2% cash back on purchases (1% when you buy, 1% as you pay), paid as ThankYou Points, plus an additional 3% (5% total) on hotels, car rentals and attractions booked through Citi Travel. |
| Citi Secured MastercardSecured card | $0 | 3% | Does not earn rewards. |
| Citi Simplicity Credit Card | $0 | 3% | Does not earn rewards. |
| Citi Strata Card | $0 | 3% | Earns ThankYou Points: 5x on hotels, car rentals and attractions booked through Citi Travel; 3x at supermarkets, gas and EV charging stations and select transit, and one chosen Self-Select Category; 2x at restaurants; 1x on all other purchases. |
| Citi Strata Premier Card | $95 | None | Earns ThankYou Points: 10x on hotels, car rentals and attractions booked through Citi Travel; 3x on air travel and other hotel purchases, restaurants, supermarkets, and gas and EV charging stations; 1x on all other purchases. |
| Citi Strata Elite Card | $595 | None | Earns ThankYou Points: 12x on hotels, car rentals and attractions and 6x on air travel booked through Citi Travel, 6x at restaurants during Citi Nights (Fri/Sat 6 PM-6 AM ET), 3x at restaurants at other times, 1.5x on all other purchases. |
Benefits by card
A tick means Citi lists the benefit for that card; open the card for its limits and conditions.
| Card | Rental car coverage | Trip cancellation and interruption | Trip delay | Purchase protection | Extended warranty | Airport lounge access | Global Entry or TSA PreCheck credit |
|---|---|---|---|---|---|---|---|
| Diamond Preferred | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed |
| Double Cash | Not listed | Not listed | Not listed | Not listed | Listed | Not listed | Not listed |
| Secured Mastercard | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed |
| Simplicity | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed |
| Strata | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed | Not listed |
| Strata Premier | ListedSecondary | Listed | Listed | Not listed | Not listed | Not listed | Not listed |
| Strata Elite | ListedPrimary abroad | Listed | Listed | Listed | Listed | Listed | Listed |
2 of 7 Citi cards we cover charge no foreign transaction fee.
Rewards programs
| Citi ThankYou Rewards | Points program used by Citi Strata Elite, Strata Premier, Strata and Double Cash (Double Cash cash back is earned as ThankYou Points). Points redeemable via Citi Travel, Shop with Points, gift cards and cash back; Strata cards can transfer points to airline and hotel partners (minimum transfer 1,000 points). Program may be terminated with 30 days' prior written notice, with 90 days to redeem.4 |
|---|
Cards not covered here
This site covers Citi’s own-brand personal cards. These cards in Citi’s catalog are outside that scope, mostly because their benefits belong to an airline, hotel or retail partner’s program:
- Citi Custom Cash Card (closed to new applicants: Citi stopped accepting applications as of May 28, 2026 (citi-custom-cash-product))
- Citi / AAdvantage Executive World Elite Mastercard (co-branded (American Airlines))
- Citi / AAdvantage Platinum Select World Elite Mastercard (co-branded (American Airlines))
- Citi / AAdvantage Globe Mastercard (co-branded (American Airlines))
- American Airlines AAdvantage MileUp Card (co-branded (American Airlines))
- Citi / AAdvantage Business World Elite Mastercard (business card; co-branded (American Airlines))
- Costco Anywhere Visa Card by Citi (co-branded (Costco))
- Costco Anywhere Visa Business Card by Citi (business card; co-branded (Costco))
- AT&T Points Plus Card from Citi (co-branded (AT&T))
- My Best Buy Credit Cards (co-branded / retail (Best Buy))
- Macy's Credit Cards (co-branded / retail (Macy's))
- Bloomingdale's Credit Cards (co-branded / retail (Bloomingdale's))
- The Home Depot Consumer Credit Card (co-branded / retail (The Home Depot))
- Home Depot Pro Xtra Credit Card (co-branded / retail, commercial (The Home Depot))
- Tractor Supply (TSC) Credit Cards (co-branded / retail (Tractor Supply))
- L.L.Bean Mastercard (co-branded (L.L.Bean))
- Dillard's Credit Cards (co-branded / retail (Dillard's))
- Exxon Mobil Smart Card+ Credit Card (co-branded / retail (Exxon Mobil))
- Wayfair Credit Cards (co-branded / retail (Wayfair))
- Goodyear Credit Card (co-branded / retail (Goodyear))
Sources
- 1 Citi, Compare Credit Cards | View All Credit Cards | Citi.com Checked Oct 10, 2026 · Back to text ↑
- 2 Citi, Citi Custom Cash Card | Citi.com Checked Oct 10, 2026 · Back to text ↑
- 3 Citi, Citi Card Benefits - Credit Card Benefits for Citi Customers Checked Oct 10, 2026 · Back to text ↑
- 4 Citi, Citi Disclosures / Citi Strata Premier Card Terms & Conditions Checked Oct 10, 2026 · Back to text ↑
- 5 Citi, Citi Strata Premier Card | Citi.com Checked Oct 10, 2026 · Back to text ↑
- 6 Citi, Citi Strata Elite - Travel Credit Card | Citi.com Checked Oct 10, 2026 · Back to text ↑
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Each card page lists the sources for that card’s fees and benefits.
Has Citi changed a card? Report an error