Variety of Accounts, Global ATMs

[ad_1]

Our experts answer readers’ banking questions and write unbiased product reviews (here’s how we assess banking products). In some cases, we receive a commission from our partners; however, our opinions are our own. Terms apply to offers listed on this page.

Citi Overall Rating

Citi Pros and Cons

Citi Personal Bank Accounts Review

Compare Citi Bank Accounts

Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

0.05% to 1.01% (vary by location)

Citi Access Account


Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$0


Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$0


Citi Access Account

Details


Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$0

Pros & Cons
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Highlights
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Additional Reading
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Citi Basic Banking Checking Account

Citi Basic Banking Checking Account


Annual Percentage Yield (APY)

None


Minimum Deposit Amount

None

Citi Basic Banking Checking Account


Annual Percentage Yield (APY)

None


Minimum Deposit Amount

None


Citi Basic Banking Checking Account

Details


Annual Percentage Yield (APY)

None


Minimum Deposit Amount

None

Pros & Cons
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Highlights
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Citi Checking Account


Annual Percentage Yield (APY)

See Website for Details


Minimum Deposit Amount

None


Annual Percentage Yield (APY)

See Website for Details


Minimum Deposit Amount

None


Citi Checking Account

Details


Annual Percentage Yield (APY)

See Website for Details


Minimum Deposit Amount

None

Pros & Cons
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Highlights
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Additional Reading
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Citi Priority


Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$0


Fees

$30 monthly service fee


Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$0


Fees

$30 monthly service fee

On Citi’s site. Citi, FDIC Insured


Citi Priority

Details


Fees

$30 monthly service fee


Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$0

Pros & Cons
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Highlights
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Additional Reading
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Citigold® Checking Account

Citigold® Checking Account


Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$0


Fees

no monthly service fee

Citigold® Checking Account


Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$0


Fees

no monthly service fee

On Citi’s site. Citi, FDIC Insured


Citigold® Checking Account

Details


Fees

no monthly service fee


Annual Percentage Yield (APY)

None


Minimum Deposit Amount

$0

Pros & Cons
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Highlights
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Additional Reading
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Citigold® Private Client Checking Account

Citigold® Private Client Checking Account


Annual Percentage Yield (APY)

NA


Minimum Deposit Amount

NA

Citigold® Private Client Checking Account


Annual Percentage Yield (APY)

NA


Minimum Deposit Amount

NA


Citigold® Private Client Checking Account

Details


Annual Percentage Yield (APY)

NA


Minimum Deposit Amount

NA

Pros & Cons
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Highlights
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Citi offers six tiers of checking accounts. The higher the tier, the more features you can access, such as out-of-network ATM fee reimbursements and check-writing privileges.

But as you level up, it becomes more difficult to either waive the monthly service fee or qualify to open an account in the first place.

On the bright side, Citi doesn’t require an opening deposit for any of its checking accounts, which gives it a leg up over many other brick-and-mortar banks. It’s also fairly easy to waive the monthly fees for its lowest-tier checking account, the Citi Access Account.

Citi® Accelerate Savings

Citi® Accelerate Savings


Annual Percentage Yield (APY)

3.85% (vary by location)


Minimum Deposit Amount

$0

Citi® Accelerate Savings


Annual Percentage Yield (APY)

3.85% (vary by location)


Minimum Deposit Amount

$0


Citi® Accelerate Savings

Details


Annual Percentage Yield (APY)

3.85% (vary by location)


Minimum Deposit Amount

$0

Pros & Cons
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Highlights
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Additional Reading
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

See Insider’s Citi Accelerate Savings Account Review.

Citi® Savings Account


Annual Percentage Yield (APY)

0.05% to 1.01% (vary by location)


Minimum Deposit Amount

None


Annual Percentage Yield (APY)

0.05% to 1.01% (vary by location)


Minimum Deposit Amount

None

On Citi’s site. Citi, FDIC Insured


Citi® Savings Account

Details


Annual Percentage Yield (APY)

0.05% to 1.01% (vary by location)


Minimum Deposit Amount

None

Pros & Cons
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Highlights
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Additional Reading
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

When you sign up for a “package,” you can choose either a Citi Savings or Citi® Accelerate Savings account to go with your checking account.

This is where things can get confusing. There are only two types of savings accounts, but you’ll pay different fees depending on which package you sign up for.

Citi® Accelerate Savings is a high-yield savings account that pays a competitive rate, and it’s clearly superior to Citi Savings — but you can only open an account if you’re a resident of certain markets. 

Read Insider’s Citi Savings Rates Review.

Citi Fixed Rate CD


Annual Percentage Yield (APY)

0.05% to 4.75%


Minimum Deposit Amount

$500


Annual Percentage Yield (APY)

0.05% to 4.75%


Minimum Deposit Amount

$500


Citi Fixed Rate CD

Details


Annual Percentage Yield (APY)

0.05% to 4.75%


Minimum Deposit Amount

$500

Pros & Cons
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Highlights
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Additional Reading
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Citi No Penalty CD


Annual Percentage Yield (APY)

0.05%


Minimum Deposit Amount

$500


Annual Percentage Yield (APY)

0.05%


Minimum Deposit Amount

$500


Citi No Penalty CD

Details


Annual Percentage Yield (APY)

0.05%


Minimum Deposit Amount

$500

Pros & Cons
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Highlights
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Additional Reading
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Citi Step Up CD


Annual Percentage Yield (APY)

0.05% to 0.15%


Minimum Deposit Amount

$500


Annual Percentage Yield (APY)

0.05% to 0.15%


Minimum Deposit Amount

$500


Citi Step Up CD

Details


Annual Percentage Yield (APY)

0.05% to 0.15%


Minimum Deposit Amount

$500

Pros & Cons
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Highlights
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Additional Reading
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Citi offers three types of CDs: Citi Fixed Rate CDs, Citi Step Up CDs, and Citi No Penalty CDs.

While the bank’s abundance of checking and savings account options can be staggering, its CD options are easier to follow. Step Up CDs allow you to earn a higher interest rate at a specified date, while no-penalty CDs do not charge you early withdrawal penalties if you take out money from your account before the term ends.

If you’re searching for a competitive interest rate, a 1-year or 18-month Citi Fixed Rate CD might be worth considering.

See Insider’s Citi CD review.

Citi Personal Credit Cards Review

Compare Citi Personal Credit Cards

Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

$200 cash back, fulfilled as 20,000 ThankYou® Points, after you spend $1,500 on purchases in the first six months of account opening

0% intro APR on balance transfers for 21 months (transfers must be completed within four months of account opening) and on purchases for 12 months, then 17.99% – 28.74% variable APR

60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first three months of account opening, plus earn a total of 10 ThankYou® Points per dollar on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through 6/30/2024

0% intro APR on balance transfers for 18 months, then 18.99% – 28.99% variable APR

0% intro APR on balance transfers for 21 months (transfers must be completed within four months of account opening) and on purchases for 12 months, then 18.99% – 29.74% variable APR

25,000 bonus points after spending $1,500 in purchases in three months from account opening

$99, waived for first 12 months

50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first three months of account opening

10,000 American Airlines miles and a $50 statement credit after you spend $500 on purchases in the first three months of account opening

50,000 bonus miles after making $5,000 in purchases within the first three months of account opening


Apply now


Apply online at Citibank’s website.


Apply now


Apply online at Citibank’s website.


Apply now


Apply online at Citibank’s website.


Apply now


Apply online at Citibank’s website.


Apply now


Apply online at Citibank’s website.

Citi Custom Cash℠ Card


Intro offer

$200 cash back, fulfilled as 20,000 ThankYou® Points, after you spend $1,500 on purchases in the first six months of account opening


Rewards

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. Earn unlimited 1% cash back on all other purchases.


Intro offer

$200 cash back, fulfilled as 20,000 ThankYou® Points, after you spend $1,500 on purchases in the first six months of account opening


Rewards

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. Earn unlimited 1% cash back on all other purchases.


Citi Custom Cash℠ Card

Details


Rewards

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. Earn unlimited 1% cash back on all other purchases.


Intro offer

$200 cash back, fulfilled as 20,000 ThankYou® Points, after you spend $1,500 on purchases in the first six months of account opening


Recommended Credit

Good to Excellent


Regular Annual Percentage Rate (APR)

18.99% – 28.99% Variable


Intro Annual Percentage Rate (APR)

0% intro APR on balance transfers and purchases for 15 months

Editor’s Rating

4/5

Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

Show more

Pros & Cons
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Highlights
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Additional Reading
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

See Insider’s Citi Custom Cash Card Review.

Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card


Intro offer

0% intro APR on balance transfers for 21 months (transfers must be completed within four months of account opening) and on purchases for 12 months, then 17.99% – 28.74% variable APR

Citi® Diamond Preferred® Card


Intro offer

0% intro APR on balance transfers for 21 months (transfers must be completed within four months of account opening) and on purchases for 12 months, then 17.99% – 28.74% variable APR

Apply online at Citibank’s website.


Citi® Diamond Preferred® Card

Details


Intro offer

0% intro APR on balance transfers for 21 months (transfers must be completed within four months of account opening) and on purchases for 12 months, then 17.99% – 28.74% variable APR


Recommended Credit

Good to Excellent


Regular Annual Percentage Rate (APR)

17.99% – 28.74% Variable


Intro Annual Percentage Rate (APR)

0% intro APR on balance transfers for 21 months (transfers must be completed within four months of account opening) and on purchases for 12 months

Editor’s Rating

3.33/5

Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

Show more

Pros & Cons
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Highlights
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Additional Reading
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

See Insider’s Citi Diamond Preferred Card Review.

Citi Premier® Card


Intro offer

60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first three months of account opening, plus earn a total of 10 ThankYou® Points per dollar on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through 6/30/2024


Rewards

Earn 3x ThankYou® points on restaurant, supermarket, gas station, air travel, and hotel purchases. Earn 1x ThankYou® points on all other purchases.


Intro offer

60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first three months of account opening, plus earn a total of 10 ThankYou® Points per dollar on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through 6/30/2024


Rewards

Earn 3x ThankYou® points on restaurant, supermarket, gas station, air travel, and hotel purchases. Earn 1x ThankYou® points on all other purchases.

Apply online at Citibank’s website.


Citi Premier® Card

Details


Rewards

Earn 3x ThankYou® points on restaurant, supermarket, gas station, air travel, and hotel purchases. Earn 1x ThankYou® points on all other purchases.


Intro offer

60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first three months of account opening, plus earn a total of 10 ThankYou® Points per dollar on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through 6/30/2024


Recommended Credit

Good to Excellent


Regular Annual Percentage Rate (APR)

20.99% – 28.99% Variable

Editor’s Rating

4.1/5

Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

Show more

Pros & Cons
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Highlights
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Additional Reading
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

See Insider’s Citi Premier Card Review.

Citi® Double Cash Card


Intro offer

0% intro APR on balance transfers for 18 months, then 18.99% – 28.99% variable APR


Rewards

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.


Intro offer

0% intro APR on balance transfers for 18 months, then 18.99% – 28.99% variable APR


Rewards

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Apply online at Citibank’s website.


Citi® Double Cash Card

Details


Rewards

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.


Intro offer

0% intro APR on balance transfers for 18 months, then 18.99% – 28.99% variable APR


Recommended Credit

Good to Excellent

Recommended credit score. Note that credit card lenders may use many different variations of credit score models when considering your application.

Show more


Regular Annual Percentage Rate (APR)

18.99% – 28.99% Variable


Intro Annual Percentage Rate (APR)

0% intro APR on balance transfers for 18 months

Editor’s Rating

3.65/5

Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

Show more

Pros & Cons
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Highlights
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Additional Reading
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

See Insider’s Citi Double Cash Card Review.

Citi Simplicity® Card


Intro offer

0% intro APR on balance transfers for 21 months (transfers must be completed within four months of account opening) and on purchases for 12 months, then 18.99% – 29.74% variable APR


Intro offer

0% intro APR on balance transfers for 21 months (transfers must be completed within four months of account opening) and on purchases for 12 months, then 18.99% – 29.74% variable APR


Citi Simplicity® Card

Details


Annual Fee

$0

The information related to the Citi Simplicity® Card has been collected by Business Insider and has not been reviewed by the issuer.

Show more


Intro offer

0% intro APR on balance transfers for 21 months (transfers must be completed within four months of account opening) and on purchases for 12 months, then 18.99% – 29.74% variable APR


Recommended Credit

Good to Excellent


Regular Annual Percentage Rate (APR)

18.99% – 29.74% Variable


Intro Annual Percentage Rate (APR)

0% intro APR on balance transfers for 21 months (transfers must be completed within four months of account opening) and on purchases for 12 months

Editor’s Rating

3.33/5

Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

Show more

Pros & Cons
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Highlights
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Additional Reading
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

See Insider’s Citi Simplicity Card Review.

Citi Rewards+® Card


Intro offer

25,000 bonus points after spending $1,500 in purchases in three months from account opening


Rewards

Earn 5x ThankYou® points on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal (offer ends June 30, 2024), Earn 2x ThankYou® points supermarkets and gas stations (for the first $6,000 per year and then 1x ThankYou® point). Earn 1x ThankYou® points on all other purchases.


Intro offer

25,000 bonus points after spending $1,500 in purchases in three months from account opening


Rewards

Earn 5x ThankYou® points on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal (offer ends June 30, 2024), Earn 2x ThankYou® points supermarkets and gas stations (for the first $6,000 per year and then 1x ThankYou® point). Earn 1x ThankYou® points on all other purchases.

Read our complete card review.


Citi Rewards+® Card

Details


Rewards

Earn 5x ThankYou® points on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal (offer ends June 30, 2024), Earn 2x ThankYou® points supermarkets and gas stations (for the first $6,000 per year and then 1x ThankYou® point). Earn 1x ThankYou® points on all other purchases.


Intro offer

25,000 bonus points after spending $1,500 in purchases in three months from account opening


Recommended Credit

Good to Excellent


Regular Annual Percentage Rate (APR)

18.49% – 28.49% Variable


Intro Annual Percentage Rate (APR)

0% intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening

Pros & Cons
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Highlights
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Additional Reading
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

See Insider’s Citi Rewards+ Card Review.

Costco Anywhere Visa® Card by Citi

Costco Anywhere Visa® Card by Citi


Rewards

Earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year (then 1% thereafter). Earn 3% cash back on restaurants and eligible travel purchases. Earn 2% cash back on all other purchases from Costco and Costco.com. Earn 1% cash back on all other purchases.

Costco Anywhere Visa® Card by Citi


Rewards

Earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year (then 1% thereafter). Earn 3% cash back on restaurants and eligible travel purchases. Earn 2% cash back on all other purchases from Costco and Costco.com. Earn 1% cash back on all other purchases.

Apply online at Citibank’s website.


Costco Anywhere Visa® Card by Citi

Details


Rewards

Earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year (then 1% thereafter). Earn 3% cash back on restaurants and eligible travel purchases. Earn 2% cash back on all other purchases from Costco and Costco.com. Earn 1% cash back on all other purchases.


Recommended Credit

Excellent


Regular Annual Percentage Rate (APR)

20.24% Variable

Editor’s Rating

3/5

Our editor’s ratings analyze fees, bonuses, rewards, and benefits to highlight the simplest and most valuable credit cards available.

Show more

Pros & Cons
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Highlights
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Additional Reading
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

See Insider’s Costco Anywhere Visa Card by Citi Review.

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®


$99, waived for first 12 months

Annual Fee


Intro offer

50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first three months of account opening


Rewards

Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases. Earn 1x mile for every $1 spent on other purchases.

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®


$99, waived for first 12 months

Annual Fee


Intro offer

50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first three months of account opening


Rewards

Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases. Earn 1x mile for every $1 spent on other purchases.


$99, waived for first 12 months

Annual Fee

Apply online at Citibank’s website.


Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

Details


Rewards

Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases. Earn 1x mile for every $1 spent on other purchases.


Annual Fee

$99, waived for first 12 months


Intro offer

50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first three months of account opening


Recommended Credit

Good to Excellent


Regular Annual Percentage Rate (APR)

20.99% – 29.99% variable

Editor’s Rating

3.95/5

Our editor’s ratings are primarily based on 3 things: simplicity, affordability, and value. Our credit card editor takes those factors into account, and comes up with a rating to best reflect how the card performs in that criteria – relative to other products we’ve reviewed.

Show more

Pros & Cons
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Highlights
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Additional Reading
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

See Insider’s Citi AAdvantage Platinum Select Card Review.

American Airlines AAdvantage® MileUp®

American Airlines AAdvantage® MileUp®


Intro offer

10,000 American Airlines miles and a $50 statement credit after you spend $500 on purchases in the first three months of account opening


Rewards

Earn 2x miles for every $1 spent at grocery stores. Earn 2x miles for every $1 spent on eligible American Airlines purchases. Earn 1x mile for every $1 spent on other purchases.

American Airlines AAdvantage® MileUp®


Intro offer

10,000 American Airlines miles and a $50 statement credit after you spend $500 on purchases in the first three months of account opening


Rewards

Earn 2x miles for every $1 spent at grocery stores. Earn 2x miles for every $1 spent on eligible American Airlines purchases. Earn 1x mile for every $1 spent on other purchases.

Read our complete card review


American Airlines AAdvantage® MileUp®

Details


Rewards

Earn 2x miles for every $1 spent at grocery stores. Earn 2x miles for every $1 spent on eligible American Airlines purchases. Earn 1x mile for every $1 spent on other purchases.


Intro offer

10,000 American Airlines miles and a $50 statement credit after you spend $500 on purchases in the first three months of account opening


Recommended Credit

Excellent


Regular Annual Percentage Rate (APR)

20.99% – 29.99% Variable

Pros & Cons
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Highlights
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Additional Reading
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

See Insider’s Citi AAdvantage MileUp Card Review.

Citi® / AAdvantage® Executive World Elite Mastercard®

Citi® / AAdvantage® Executive World Elite Mastercard®


Intro offer

50,000 bonus miles after making $5,000 in purchases within the first three months of account opening


Rewards

Earn 2x miles for every $1 spent on eligible American Airlines purchases. Earn 1x mile for every $1 spent on other purchases

Citi® / AAdvantage® Executive World Elite Mastercard®


Intro offer

50,000 bonus miles after making $5,000 in purchases within the first three months of account opening


Rewards

Earn 2x miles for every $1 spent on eligible American Airlines purchases. Earn 1x mile for every $1 spent on other purchases


Citi® / AAdvantage® Executive World Elite Mastercard®

This is a terrific card for frequent American Airlines flyers who can take advantage of its included Admirals Club membership and other day-of-travel perks to offset the high annual fee. Authorized users also get Admirals Club access, so there’s extra value to be had there, too. However, it’s not the best card for earning AA miles on everyday spending, and the lack of travel protections isn’t ideal for an airline credit card.

Details


Rewards

Earn 2x miles for every $1 spent on eligible American Airlines purchases. Earn 1x mile for every $1 spent on other purchases


Intro offer

50,000 bonus miles after making $5,000 in purchases within the first three months of account opening


Recommended Credit

Excellent


Regular Annual Percentage Rate (APR)

20.99% – 29.99% Variable

Pros & Cons
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Highlights
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Additional Reading
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

See Insider’s Citi Advantage Executive Card Review.

Citi has a variety of credit cards, including travel credit cards, balance transfer credit cards, cash-back credit cards, and credit cards with 0% APR.

Our best Citi credit cards guide highlights the best options depending on what you’re looking for. The Citi Premier® Card is our top Citi credit card for 2023. 

Citi Business Credit Cards Review

Compare Citi Business Credit Cards

  • Costco Anywhere Visa® Business Card by Citi

  • CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

$99, waived for first 12 months

65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening


Apply now


Apply online at Citibank’s website.

Costco Anywhere Visa® Card by Citi

Costco Anywhere Visa® Business Card by Citi


Rewards

Earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year (then 1% thereafter). Earn 3% cash back on restaurants and eligible travel purchases. Earn 2% cash back on all other purchases from Costco and Costco.com. Earn 1% cash back on all other purchases.

Costco Anywhere Visa® Business Card by Citi


Rewards

Earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year (then 1% thereafter). Earn 3% cash back on restaurants and eligible travel purchases. Earn 2% cash back on all other purchases from Costco and Costco.com. Earn 1% cash back on all other purchases.

Read our complete card review


Costco Anywhere Visa® Business Card by Citi

Details


Rewards

Earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year (then 1% thereafter). Earn 3% cash back on restaurants and eligible travel purchases. Earn 2% cash back on all other purchases from Costco and Costco.com. Earn 1% cash back on all other purchases.


Recommended Credit

Excellent


Regular Annual Percentage Rate (APR)

20.24% (Variable)

Editor’s Rating

3/5

Our editor’s ratings are primarily based on 3 things: simplicity, affordability, and value. Our credit card editor takes those factors into account, and comes up with a rating to best reflect how the card performs in that criteria – relative to other products we’ve reviewed.

Show more

Pros & Cons
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Highlights
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Additional Reading
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

See Insider’s Costco Anywhere Visa Business Card by Citi Review.

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®


$99, waived for first 12 months

Annual Fee


Intro offer

65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening


Rewards

Earn 2x miles for every $1 spent on cable and satellite providers. Earn 2x miles for every $1 spent on eligible American Airlines purchases. Earn 2x miles for every $1 spent at gas stations. Earn 2x miles for every $1 spent on select telecommunications merchants. Earn 2x miles for every $1 spent on car rentals. Earn 1x mile for every $1 spent on other purchases.

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®


$99, waived for first 12 months

Annual Fee


Intro offer

65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening


Rewards

Earn 2x miles for every $1 spent on cable and satellite providers. Earn 2x miles for every $1 spent on eligible American Airlines purchases. Earn 2x miles for every $1 spent at gas stations. Earn 2x miles for every $1 spent on select telecommunications merchants. Earn 2x miles for every $1 spent on car rentals. Earn 1x mile for every $1 spent on other purchases.


$99, waived for first 12 months

Annual Fee

Apply online at Citibank’s website.


CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

Details


Rewards

Earn 2x miles for every $1 spent on cable and satellite providers. Earn 2x miles for every $1 spent on eligible American Airlines purchases. Earn 2x miles for every $1 spent at gas stations. Earn 2x miles for every $1 spent on select telecommunications merchants. Earn 2x miles for every $1 spent on car rentals. Earn 1x mile for every $1 spent on other purchases.


Annual Fee

$99, waived for first 12 months


Intro offer

65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening


Recommended Credit

Excellent


Regular Annual Percentage Rate (APR)

20.99% – 29.99% Variable

Editor’s Rating

4/5

Our editor’s ratings are primarily based on 3 things: simplicity, affordability, and value. Our credit card editor takes those factors into account, and comes up with a rating to best reflect how the card performs in that criteria – relative to other products we’ve reviewed.

Show more

Pros & Cons
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Highlights
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Additional Reading
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

See Insider’s CitiBusiness AAdvantage Platinum Select Mastercard Review.

If you have a small business, Citi has two types of credit cards. The Costco Anywhere Visa® Business Card by Citi
is exclusively for Costco customers, while the CitiBusiness® / AAdvantage® Platinum Select® Mastercard® may be worth exploring if you frequently fly with American Airlines.

Citi Personal Loans Review


Regular Annual Percentage Rate (APR)

9.49% to 20.49% APR


Loan Amount Range

$2,000 to $30,000


Citi Personal Loans

Details


Regular Annual Percentage Rate (APR)

9.49% to 20.49% APR


Loan Amount Range

$2,000 to $30,000

Pros & Cons
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Highlights
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Citi Personal Loans may be worthwhile if you already bank with the company. To be eligible for a personal loan at Citi, you must earn a yearly income of $10,500 or more, meet Citi’s creditworthiness criteria,  and have an eligible Citi bank account that has been open for at least 12 months. 

See Insider’s Citi Personal Loans Review

Citi Mortgages Review

Citibank Home Mortgage Loans

Citibank Home Mortgage Loans


Types of Loans Offered

Conforming, jumbo, FHA, VA, HomeRun mortgage


Citibank Home Mortgage Loans

Details


Types of Loans Offered

Conforming, jumbo, FHA, VA, HomeRun mortgage

Pros & Cons
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Highlights
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Additional Reading
Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

Citi offers several types of home loans, including conforming, jumbo, FHA, VA and HomeRun mortgages. The HomeRun mortgage could be a good choice if you’re looking for an affordable mortgage option. Through the HomeRun mortgage program, customers may make a down payment as low as 3% with no mortgage insurance requirement.

See Insider’s Citi Mortgage Review.

About Citi

Citi is a national bank with over 650 branches sprinkled around the US, including California, Connecticut, Florida, Illinois, Maryland, Nevada, New Jersey, New York, South Dakota, Virginia, and Washington, DC. You’ll also have access to over 65,000 fee-free ATMs nationwide, plus free ATMs all over the world.

Citi groups its accounts into “packages,” so you can have one checking and savings account in a package. Although there are technically only two savings accounts, the terms of your savings account depend on which package you choose.

Some of Citi’s terms depend on where you live. For example, the high-yield Citi® Accelerate Savings is only available for residents of certain states, and the minimum opening deposit for your CD is contingent upon where you live.

Citi’s customer service is available 24/7 over the phone, and you can chat online from 6 a.m. to 10 p.m. ET. The bank also has an easy-to-use mobile app, which has 4.9 out of 5 stars in the Apple store and 4.8 stars in the Google Play store.

Your Citi accounts are FDIC insured for up to $250,000, or $500,000 for joint accounts.

Is Citi Trustworthy?

The Better Business Bureau gives Citi an F rating because it’s received a high volume of customer complaints on the BBB website and it has failed to respond to five customer complaints.

Citi has been involved in a recent public controversy.  In 2020, the Federal Reserve and Office of the Comptroller of the Currency fined Citi $400 million and claimed the bank failed to recognize money laundering by its customers.

If Citi’s history worries you, you can find other banks with great scores from the BBB. But keep in mind that a strong BBB score does not guarantee that your relationship with the bank will be good. Make sure to also talk to friends and family or read customer reviews online to see if a bank might be right for you.

Citi: Frequently Asked Questions (FAQ)

Citi has a variety of home loans and credit cards. It also may be a good option if you’d like to open a online high-yield savings account with a national brand. Citi® Accelerate Savings pays more than the average savings account. That said, it’s only available in certain markets. 

You also might like Citi if you’re eligible to waive monthly service fees. If you open the lowest-tier checking account — the Citi Access Account — it has a $10 monthly service fee. The monthly service fee can be waived if you meet certain requirements. 

Yes, Citi bank accounts are FDIC-insured for up to $250,000 per depositor.

Savings and checking accounts do not require a minimum opening deposit. If you’d like to open a certificate of deposit, you’ll need at least $500.

Methodology: How We Reviewed Citi

For our Citi review, we rate bank products and services using our editorial standards.

At Personal Finance Insider, we rate products on a scale from zero to five stars. For bank accounts, we review different features for distinct types of bank accounts. For example, we’ll look at early withdrawal penalties and CD variety specifically for CDs. Meanwhile, for checking accounts, we’ll factor in the ATM network size and fees, as well as its overdraft protection options.

We’ll consider factors like annual fees and sign-up bonuses for credit cards, and term lengths for loans. In general, we also look at customer service and ethics.

How Citi Compares

We’ve compared Citi to two other national banks: PNC Bank and Wells Fargo.

Citi Review vs. PNC Bank Review

Citi and PNC Bank are national banks with branches throughout the US. PNC Bank has roughly 2,600 locations, while Citi has over 650 branches.

If you don’t live in a state with a Citi or PNC branch, you may explore each bank’s online-only bank accounts. Both banks have online high-yield savings accounts that are available to residents of states where there aren’t any branches.

If you’re eligible for both high-yield savings accounts, PNC High Yield Savings℠ Account pays a higher interest rate than  Citi® Accelerate Savings. However, keep in mind rates can fluctuate so this could change in the future.

Citi offers a greater variety of credit cards than PNC Bank. However, PNC Bank offers more types of home loans than Citi.

Citi Review vs. Wells Fargo Review

If you’d like to keep all of your bank accounts in one institution, then the Citi package system may be worth exploring. The Citi® Accelerate Savings account offers a high interest rate in certain US states. If you live in a state like California or New York, you won’t be eligible to open an account, though.

Wells Fargo doesn’t have package systems, so you might favor this bank if you’re planning to open only one account. 

You also might prefer Wells Fargo if you’d like to get a personal loan. Wells Fargo is featured as a top pick in our best personal loans guide.

See Insider’s list of the best savings accounts »

[ad_2]

Source link

We will be happy to hear your thoughts

Leave a reply

Dealcentral.co.uk
Logo