Best Citi Credit Cards of 2026
Every Citi card ranked by real value — earn rates, fees, and benefits compared.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts. The ¢ per dollar column is the reward rate at this category. Order can differ from that column because ranking adds the adjustments above.
Top Pick
Citi Double Cash Card
Citi
2% cash back
- +2% cash back
- +$200 cash back bonus (~$200 value)
- +No annual fee
MASTERCARD
2.0¢
per dollar
No annual fee
Welcome: $200 cash back
Runner-Up
Citi Strata Elite℠ Card
Citi
1.5x ThankYou Points
1.5x × 1.7¢/pt = 2.5¢ per dollar
- +Citigold® Private Client Relationship Credit: Requires a qualifying Citigold Private Client banking relationship; eligibility has not been established and this credit is not counted.
- +1.5x — points worth 1.7¢ each
- +Annual fee $595. Other listed credits: Up to $120 Global Entry® or TSA PreCheck® Application Fee Credit (up to $120/4yr); Up to $200 Annual Blacklane® Credit (up to $200/yr); Up to $200 Annual Splurge Credit℠ (up to $200/yr); Up to $300 Annual Hotel Benefit (up to $300/yr). These amounts are not counted in estimated value or ranking: use, eligible purchases and any enrollment requirements have not been established.
MASTERCARD
2.5¢
per dollar
$595/yr
Welcome: 75,000 points
Also Great
Citi Strata Credit Card
Citi
1x ThankYou Points
1x × 1.7¢/pt = 1.7¢ per dollar
- +1x — points worth 1.7¢ each
- +20,000 points bonus (~$340 value)
- +No annual fee
MASTERCARD
1.7¢
per dollar
No annual fee
Welcome: 20,000 points
Compare the Top Picks
Quick Comparison
Side-by-side view of the ranked picks.
| Card | Rate | Effective Value | Annual Fee | Network |
|---|---|---|---|---|
| Citi Double Cash CardCiti | 2% cash back | 2.0¢/$ | $0 | mastercard |
| Citi Strata Elite℠ CardCiti | 1.5x ThankYou Points | 2.5¢/$ | $595 | mastercard |
| Citi Strata Credit CardCiti | 1x ThankYou Points | 1.7¢/$ | $0 | mastercard |
| Citi Strata Premier CardCiti | 1x ThankYou Points | 1.7¢/$ | $95 | mastercard |
| Costco Anywhere Visa Card by CitiCiti | 1% cash back | 1.0¢/$ | $0 | visa |
| American Airlines AAdvantage MileUpCiti | 1x AAdvantage | 1.0¢/$ | $0 | mastercard |
| Citi / AAdvantage Platinum Select World Elite MastercardCiti | 1x AAdvantage | 1.0¢/$ | $99 | mastercard |
| Citi / AAdvantage Globe MastercardCiti | 1x AAdvantage | 1.0¢/$ | $350 | mastercard |
| Citi® Diamond Preferred® CardCiti | 0x points | 0.0¢/$ | $0 | mastercard |
| Macys American Express CardCiti | 1x Macy's points (est. 1% in Macy's certificate value) | 0.0¢/$ | $0 | amex |
More Options
#4Citi Strata Premier Card$95/yr
1.7¢/$
#5Costco Anywhere Visa Card by CitiNo fee
1.0¢/$
#6American Airlines AAdvantage MileUpNo fee
1.0¢/$
#7Citi / AAdvantage Platinum Select World Elite Mastercard$99/yr
1.0¢/$
#8Citi / AAdvantage Globe Mastercard$350/yr
1.0¢/$
#9Citi® Diamond Preferred® CardNo fee
0.0¢/$
#10Macys American Express CardNo fee
0.0¢/$
Want to customize by spend amount, programs, or fee preference?
Open in full search with filters →Guides for this category
- Card StrategyHow to build a simple rewards wallet you will actually maintainA rewards wallet you can explain in two sentences: one default card, at most one clear exception, dependable autopay, and a review after ninety days.
- Cash BackFlat-rate cash back versus category bonuses: a household spending comparisonA 3%/1% card beats a flat 2% card only when half your spending lands in its categories. Three households, the break-even formula, and how caps change it.
- Cash BackHow to choose a cash back card from your actual spendingA 3% card can earn less than a 2% card. Compare annual cash back on your real spending, apply caps and merchant rules, then subtract fees.
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