What Are the Different Types of Citi Cards?

Citi offers several different types of credit cards, including rewards cards, travel cards, 0% intro APR and balance transfer cards, secured cards for building credit, co-branded cards, and business cards. Some Citi cards fit into more than one category. For example, the Citi Strata Premier^® Card is both a rewards card and a travel card, while the Costco Anywhere Visa^® Card by Citi is a cash-back rewards card and a co-branded Costco card. The right type of Citi card depends primarily on what you want the card to do for you.

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What Types of Citi Credit Cards Are Available?

Citi's current credit card lineup includes several major categories. The categories can overlap, because one card may be designed to provide several different types of benefits.

• Rewards credit cards that earn ThankYou^® Points or cash back.
• Travel credit cards that earn points or airline miles and provide travel-related benefits.
• 0% intro APR and balance transfer cards designed to provide an introductory period with no interest on qualifying purchases and/or balance transfers.
• Secured credit cards designed for people who want to build or rebuild credit.
• Co-branded credit cards connected to brands such as Costco, American Airlines and AT&T.
• Business credit cards designed for business owners and business spending.

Citi Rewards Credit Cards

Rewards cards are designed to earn points or cash back on everyday spending. Citi currently offers rewards cards that earn ThankYou^® Points as well as cash-back cards and co-branded rewards cards.

Examples from our current Citi card offers include:

• Citi Strata^℠ Card — earns ThankYou^® Points on several everyday spending categories and also offers an introductory APR period.
• Citi Strata Premier^® Card — earns ThankYou^® Points on travel, dining, supermarkets, gas and EV charging.
• Costco Anywhere Visa^® Card by Citi — earns cash back on Costco purchases, gas, dining, travel and other purchases.
• AT&T Points Plus^® Card from Citi — combines ThankYou^® Points with statement credits and AT&T-related benefits.

The important thing about Citi rewards cards is that they are not all designed for the same type of spending. Some emphasize travel and transferable points, while others focus on cash back or specific spending categories.

Citi Travel Credit Cards

Citi's travel cards are designed for people who want to earn rewards from travel and receive additional travel-related benefits. Citi's current travel lineup includes both Strata cards and co-branded American Airlines AAdvantage^® cards.

Two examples are:

• Citi Strata Premier^® Card — earns ThankYou^® Points on several travel and everyday spending categories and includes an annual hotel benefit.
• Citi Strata Elite^℠ Card — a premium travel card with higher-level travel benefits and elevated rewards on travel and dining.

Citi also offers American Airlines AAdvantage^® cards for people who want their credit card rewards tied specifically to American Airlines.

Citi 0% Intro APR and Balance Transfer Cards

Some Citi cards are designed primarily for introductory financing or balance transfers. These cards can provide a period of 0% introductory APR on qualifying purchases, balance transfers, or both, depending on the specific card.

For example, the Citi^® Diamond Preferred^® Card offers an introductory 0% APR period on balance transfers and purchases. The Citi Strata^℠ Card also combines rewards with an introductory APR period on purchases and balance transfers.

This category is particularly relevant when the primary reason for getting a Citi card is to manage the cost of financing purchases or transferring existing credit card debt rather than maximizing travel rewards.

Citi Secured Credit Cards

Citi also offers a secured credit card for people who are building or rebuilding their credit. The Citi^® Secured Mastercard^® requires a refundable security deposit of $200 to $2,500, with the credit limit generally matching the amount of the deposit. Citi says the card reports to the major credit bureaus and is designed to help establish credit with responsible use.

The secured card is different from Citi's regular unsecured credit cards because the applicant provides the security deposit after approval. Citi also states that customers may be reviewed for graduation to the Citi^® Diamond Preferred^® Credit Card after meeting its credit-graduation criteria.

Citi Co-Branded Credit Cards

Co-branded Citi cards are issued by Citi in partnership with another company or brand. These cards typically combine Citi's credit card features with rewards or benefits associated with the partner brand.

Examples include:

• Costco Anywhere Visa^® Card by Citi — designed specifically for Costco members and earns cash back on Costco purchases, gas, dining, travel and other purchases.
• Citi^® / AAdvantage^® Globe^™ Mastercard^® — earns American Airlines AAdvantage^® miles and provides travel-related benefits.
• AT&T Points Plus^® Card from Citi — combines Citi rewards with benefits connected to eligible AT&T services.

Co-branded cards can be especially useful when you regularly use the associated company or loyalty program because the rewards are tied more closely to that particular brand.

Citi Business Credit Cards

Citi also has credit cards specifically intended for business owners. Business cards are designed to separate business spending from personal spending while providing rewards or other benefits for eligible business purchases.

One example is the Costco Anywhere Visa^® Business Card by Citi, which is designed for business use and provides Costco-related cash-back rewards. Citi currently lists the card as one of its business credit card offerings.

Citi also offers business cards tied to the American Airlines AAdvantage^® program, giving business owners another way to earn airline rewards from eligible spending.

Can One Citi Card Belong to More Than One Type?

Yes. Citi credit card categories are not mutually exclusive. A single card can fit several descriptions depending on what you are looking for.

For example, the Citi Strata Premier^® Card is both a rewards card and a travel card. The Costco Anywhere Visa^® Card by Citi is both a cash-back rewards card and a co-branded card. The Citi Strata^℠ Card combines rewards with an introductory APR offer.

That is why it is usually more useful to think about the main purpose of a Citi card rather than trying to put every card into only one category.

Which Type of Citi Card Is Right for You?

The type of Citi card that makes sense depends on what you want from the account:

• Want rewards on everyday spending? Look at Citi rewards cards.
• Want travel rewards and travel benefits? Consider Citi's travel cards or American Airlines co-branded cards.
• Want an introductory 0% APR? Look at cards such as the Citi Diamond Preferred or Citi Strata^℠ Card.
• Want to build or rebuild credit? The Citi^® Secured Mastercard^® is specifically designed for that purpose.
• Regularly shop at Costco? The Costco Anywhere Visa^® Card by Citi is designed specifically for Costco members.
• Need a card for business spending? Look at Citi's business credit card options.

Bottom Line: What Are the Different Types of Citi Cards?

The major types of Citi credit cards include rewards cards, travel cards, 0% intro APR and balance transfer cards, secured cards, co-branded cards and business cards. Some Citi cards belong to several categories at the same time, so the best way to narrow down the choices is to start with the purpose you have for the card.

If you want to see the broader Citi lineup and how the application process works, see our Citi credit card application guide.