Citi Credit Card Bonuses 2023

Citibank, one of the big four banks in the U.S. and a major credit card issuer, has a wide range of Citi credit cards bonuses available to consumers, from students to small business owners and general consumers!

They offer a diverse group of credit cards that offer a variety of benefits and rewards, 0% APRs on balance transfers and purchases, and low long-term APR Rates.

Citi credit cards are currently available on the Visa, MasterCard and American Express card networks.

If you plan to travel outside of the U.S. and you have an American Express co-branded, just remember that American Express credit cards are less commonly accepted in overseas than a Visa or Mastercard.

Plan on carrying another card with you just in case. However, the list of places that are taking American Express are slowly growing.

Below is our full list of all the Citi credit card bonuses and promotions you can earn, as well as some pointers about Citi.

heck out our list of the latest Citi bonuses!

Best Citi Credit Card Bonuses

The Citi CustomSM Cash Card offers $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. 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.99% - 28.99%, based on your creditworthiness. You'll earn: • 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent • 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories. The eligible spend categories are: Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs and Live Entertainment. This card has no annual fee. Learn More About This Card

The Citi Premier® Card offers 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. 60,000 ThankYou Points are redeemable for $600 in gift cards when redeemed at thankyou.com. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi TravelSM portal through June 30, 2024. You'll earn: • 3X Points at Restaurants • 3X Points at Supermarkets • 3X Points at Gas Stations • 3X Points on Air Travel and Hotels • 1X Points on All Other Purchases This card comes with a $95 annual fee and no foreign transaction fees. (See Rates & Fees) Learn More About This Card

The Citi Rewards+® Card offers 25,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $250 in gift cards at thankyou.com. Plus, for a limited time, earn 5 ThankYou Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel Portal through June 30, 2024. 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness. 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). You'll earn 2X ThankYou® Points at supermarkets & gas stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on all other purchases. In addition, the Citi Rewards+® Card is the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap. This card comes with no annual fee. Learn More About This Card

The Costco Anywhere Visa® Business Card by Citi offers: With this card, discover the only business credit card designed exclusively for Costco members. You'll earn: • 4% cash back on eligible gas 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 You'll receive an annual credit card reward certificate (redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico). This card has no annual fee with your paid Costco membership. In addition, enjoy no foreign transaction fees on purchases. Learn More About This Card

The CitiBusiness® / AAdvantage® Platinum Select® Mastercard® offers 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening. You'll earn: • 2 AAdvantage® miles per $1 spent on eligible American Airlines purchases, and on purchases at telecommunications merchants, cable and satellite providers, car rental merchants and at gas stations • 1 AAdvantage® mile per $1 spent on other purchases • 1 Loyalty Point for every 1 eligible AAdvantage mile earned from purchases This card comes with an annual fee of $99 (waived for first 12 months), however, there are no foreign transaction fees. To offset the annual fee, your first checked bag is free on domestic American Airlines itineraries to reduce travel costs and boost your bottom line. And you'll get 25% savings on American Airlines inflight Wi-Fi when you use your card. Learn More About This Card

The Costco Anywhere Visa® Card by Citi is exclusively for Costco members - one of Citi's best cash back rewards cards. You'll earn: • 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 You'll be able to receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico. This card comes with no annual fee with your paid Costco membership along with no foreign transaction fees. Learn More About This Card

The American Airlines AAdvantage® Mile Up® offers 10,000 American Airlines AAdvantage® bonus miles and receive a $50 statement credit after making $500 in purchases within the first 3 months of account opening You'll earn: • 2 AAdvantage miles for each $1 spent at grocery stores, including grocery delivery services • 2 AAdvantage miles for every $1 spent on eligible American Airlines purchases • 1 AAdvantage mile for every $1 spent on other purchases • 1 Loyalty Point for every 1 eligible AAdvantage mile earned from purchases This card comes with no annual fee and you can save 25% on in-flight food and beverage purchases when you use your card on American Airlines flights. Learn More About This Card

The Citi® / AAdvantage® Executive World Elite MasterCard® offers 50,000 American Airlines AAdvantage bonus miles after making $5,000 in purchases in the first 3 months of account opening. You'll earn: • 2 AAdvantage miles for every $1 spent on eligible American Airlines purchases • 1 AAdvantage mile for every $1 spent on other purchases • 1 Loyalty Point for every 1 eligible AAdvantage mile earned from purchases This card comes with $450 annual fee, however, there are no foreign transaction fees. You can also save when traveling - first checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation. On top of that, you'll get an Admirals Club® membership for you and access for up to two guests or immediate family members traveling with you. Learn More About This Card

The Citi® / AAdvantage® Platinum Select® World Elite MasterCard offers 50,000 American Airlines AAdvantage bonus miles after spending $2,500 in purchases within the first 3 months of account opening. You'll earn: • 2X AAdvantage miles for every $1 spent at gas stations and restaurants • 1 Loyalty Point for every 1 eligible AAdvantage mile earned from purchases You'll be able to earn a $125 American Airlines Flight Discount after you spend $20,000 or more in purchases during your cardmembership year and renew your card. On top of that, enjoy preferred boarding on American Airlines flights - and get your first checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation. This card comes with an annual fee of $99 (waived for first 12 months) and there are no foreign transaction fees. (See Rates & Fees) Learn More About This Card

With the Citi® Double Cash Card - 18 month BT offer: Earn cash back twice. 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. Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.99% - 28.99%, based on your creditworthiness. This card comes with no annual fee. Learn More About This Card

The Citi® Diamond Preferred® Card: 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 17.99% - 28.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening. You'll also get free access to your FICO® score online. In addition, with Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more. Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions. This card comes with no annual fee. Learn More About This Card

The Citi Rewards+SM Student Card offers offers 2,500 bonus points after you spend $500 in purchases with your card within 3 months of account opening; redeemable for a $25 gift card at thankyou.com. You'll earn 2X ThankYou® Points at supermarkets & gas stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on all other purchases. In addition, the Citi Rewards+℠ Student Card is the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap. This card comes with no annual fee. Learn More About This Card

The Citi Simplicity® Card offers: 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.99% - 29.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening. There is a balance transfer fee of $5.00 or 5.00% of the amount of the transfer, whichever is greater. You'll stay protected with Citi® Quick Lock. This card comes with no annual fee, no late fees, and no penalty rate. Learn More About This Card

Things You Should Know About Citi

Citi is one of the biggest credit card issuers worldwide, so it’s evident that we had to make a list such as this! Now, they do offer a lot of prominent credit card sign-up bonuses in the industry, so I recommend that you take a look into this list of things to know about Citi. Hopefully, you find it informative!

1. There’a a strict application guideline for Citi. You can only apply for a Citi personal credit card every 8 days. You can only apply for a maximum of 2 Citi personal cards every 65 days. It doesn’t end there. You can only apply for a Citi business credit cards every 95 days. Because of this, you can’t apply for multiple Citi credit cards on the same day.
2. You can get the sign up bonus more than once. Your Citi card account within that brand or family has to be closed for at least 24 months for you to apply and get the sign-up bonus again.
3. There’s no limit on the amount of credit cards you hold with them. You can have as many Citi credit cards as they’ll approve you for, unlike with Chase or other credit card issuers.
4. Check your credit card application status online. 
5. You can’t get multiple inquiries merged into one. This is due to the strict application rules listed above.
6. Virtual credit card number are available. This is another layer of safety that has proven to be useful against theft. Say, you’re purchasing something online from a shady vendor or signing up for a free trial. You can use a one-time credit card number linked to your Citi account.
7. Asking for a credit limit increase can result in a hard or soft credit pull. If you contact a representative about a credit limit increase that is instantly approved, it’s likely that a soft pull inquiry is placed. Though, if it takes a while for them to get it done, a hard pull has more likely taken place. You can ask them which credit pull it’ll result in before they do it.
8. Distributing credit limits results in a hard pull. Both Citi credit cards need to have been opened for at least six months before they can even consider doing a reallocation. They seldom do, soft pull but it’s worth a call!
9. View targeted and pre-approved credit card offers online. Citi regularly sends out sign-up bonuses that are more than the public bonuses. So, check these new promotions as regularly as possible because offers fluctuate often.
10. If you do a product change, the 24-month closing period doesn’t start over. When you do a product change, your previous card will be claimed as closed. You’ll be able to get the bonus on your old card if you wish to apply again. However, you won’t get the sign-up bonus on your new card you’ve changed to unless it has been closed for at least 24 months.
11. Citi offers nice spending bonuses if you ask. They regularly send out targeted spending bonuses. You can wait, or call the Citi reconsideration line and ask them if there are any on your account.
12. If Citi denies you for a credit card, call for reconsideration. Citi may approve you after they ask some basic questions. Make sure you have a valid reason for wanting the card, for example, a unique feature that the card offers. In addition, know your credit score and report, as different cards require different scores.
13. Sign-up bonuses can be matched. If you see a higher sign-up offer for the same card, chances are, you could be matched up if there hasn’t been too much time in between applications and when you make the request.
14. Lost or stolen Citi credit cards will receive expedited shipping. Just call Citi and ask to speak to a representative to get expedited shipping on your replacement card. There shouldn’t be an additional fees. In addition, you may be able to request expedited shipping on a new card if you call in.
15. Citi charges cash advance fees. Be sure to set your cash advance limit to $0. Watch out when funding a bank account or purchasing American Express gift cards with Citi cards.
16. Citi business credit cards aren’t released to personal credit bureaus. This is useful for keeping your credit report cleaner.
17. Your annual fee can be refunded as long as you cancel your card within 30 days of annual fee posting. After that, Citi will refund it on a prorated basis.
18. Cash advance charges with CitiBank.  Be sure to set your cash advance limit to $0 and watch out when funding a bank account or purchasing a AmEx gift card with Citi Cards.
19. Citi gives out the credit card number instantly for some cards. When you’re approved, you can use your card instantly online. Ones that receive this benefit are AAdvantage and ATT cards.
20. Closed Citi credit cards can be reinstated upon request briefly after being closed. If you’ve mistakenly closed a card, you can ask them to reopen it without a hard pull.
21. If auto-pay is set up, Citi will adjust the it if you pay it partially or full beforehand.

Conclusion

Didn’t find any Citi credit card bonuses you liked from this list? See our list of the best credit card promotions and their respective reviews to find the best one that suits your needs, here on BankCheckingSavings.

In addition, if you’re interested in opening a new checking and/or savings account, you can find a collection of our best bank bonuses with some of our helpful guides listed on there if you need any additional information!