Citi
Citibank, N.A. · New York, NY · Founded 1812
Citi — flat-rate cash back, ThankYou Points, and long balance-transfer offers.
About Citi
Citi issues a broad lineup of consumer and co-branded credit cards in the United States, including its flat-rate Double Cash card, category-focused Custom Cash card, premium Strata Premier travel card, and long-running co-branded partnerships with major airlines. Citi ThankYou Points can be transferred to a growing list of airline and hotel partners on eligible cards.
Strengths
- Strong 0% intro APR offers on balance transfer cards
- ThankYou Points transferable to airline and hotel partners on eligible cards
- Broad lineup covering cash back, travel, and co-branded airline cards
Lineup notes
Citi enforces application velocity rules — commonly summarized as one Citi card every 8 days, two every 65 days, and additional limits on Citi bonuses within a 24-month window. Confirm current terms before applying.
Featured Citi cards
Frequently Asked Questions
What are Citi's application rules?
Citi limits application frequency and welcome bonus eligibility. Commonly reported rules include one new Citi credit card application every 8 days, no more than two in 65 days, and welcome bonus restrictions that prevent earning a bonus on a card if you have earned or closed a similar Citi card within a defined window (often 24–48 months). Confirm current terms with Citi before applying.