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Finding the perfect credit card for your spending can be an arduous task, especially when multiple cards offer strong rewards in different spending categories. Citi's lineup may be smaller than some competitors', but it includes some standout options for everyday spending and Costco shoppers.
In this article, we'll take a look at each cash-back option from Citi to find the one that's right for your wallet.
Overview of Citibank Cashback Credit Cards
Citi's cash-back card lineup includes options for a variety of spending habits. Whether you prefer consistent rewards on every purchase or elevated earnings in categories like gas, dining, travel, and Costco purchases, there's likely a card that fits your needs.
Unlike Citi's travel rewards cards, which earn ThankYou Points that can be transferred to airline and hotel partners, the cards in this guide are designed primarily for earning cash back. That makes them a straightforward option for cardholders who prefer rewards that can be redeemed for statement credits, direct deposits, or other cash-equivalent rewards.
- 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.
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- 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter.
- 3% cash back on restaurants and eligible travel purchases.
- 2% cash back on all other purchases from Costco and Costco.com.
- 1% cash back on all other purchases.
Citi Double Cash® Card
If you're looking to pay down debt or finance a larger purchase, this card also comes with one of the best available introductory APR offers on balance transfers.
- 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).
- 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.
Welcome offer: 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.
Earning structure:
- 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.
Notable perks: Solid intro APR, extended warranty benefits, and ID theft protection
Annual fee: $0
Our take: The Citi Double Cash® Card remains one of the strongest flat-rate cash-back cards on the market. Earning rewards both when you make purchases and when you pay them off can help cardholders earn a competitive return on everyday spending without tracking bonus categories.
The card becomes even more compelling when paired with an eligible Citi ThankYou card, allowing rewards to be combined and transferred to airline and hotel partners.
Finally, the card offers a 0% intro APR on Balance Transfers for 18 months, then a variable rate of 17.49% - 27.49% - 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).
Costco Anywhere Visa® Card by Citi
Welcome offer: N/A
Earning structure: 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.
Notable perks: No foreign transaction fees, doubles as your Costco membership card, and travel and emergency assistance services
Annual fee: $0
Our take: The Costco Anywhere Visa® Card by Citi is a natural fit for frequent Costco shoppers. In addition to earning rewards on common spending categories, the card doubles as your Costco membership card, making it a convenient option for purchases in the warehouse and at the gas pump.
That said, the card's value is closely tied to your Costco membership. If you rarely shop at Costco, you'll likely find more rewarding and flexible cash-back cards elsewhere.
Costco Anywhere Visa® Business Card by Citi
- 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter.
- 3% cash back on restaurants and eligible travel purchases.
- 2% cash back on all other purchases from Costco and Costco.com.
- 1% cash back on all other purchases.
Welcome offer: N/A
Earning structure:
- 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter.
- 3% cash back on restaurants and eligible travel purchases.
- 2% cash back on all other purchases from Costco and Costco.com.
- 1% cash back on all other purchases.
Notable perks: No foreign transaction fees, doubles as your Costco membership card, and travel and emergency assistance services
Annual fee: $0
Our take: The Citi Costco Anywhere Visa Business Credit Card is a solid option for business owners who already shop regularly at Costco. Its rewards categories align well with common business expenses, while the ability to separate business and personal purchases helps to simplify bookkeeping.
Like the personal version, the card's value is closely tied to your Costco membership. Businesses that rarely shop at Costco may find more flexible cash-back options elsewhere.
Bottom Line
Citi's cash-back card lineup may be smaller than those offered by some competitors, but it still includes several compelling options. The Citi Double Cash is a strong choice for cardholders who want consistent rewards on every purchase, while the Costco cards can provide additional value for members who regularly shop at the warehouse and take advantage of the cards' bonus categories.
Before applying, consider your spending habits and which rewards structure best aligns with your everyday purchases. Choosing the right card can help you get more value from the spending you're already doing.
For rates and fees of the cards mentioned in this post, please visit the following links: Citi Double Cash® Card (Rates & Fees)
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