Bank · FDIC insured
Citi Credit Card Rates
Top CarrotCiti credit cards start at 18.99% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Citi’s credit card rates compare
Compared with banks and credit unions near New York, NY-NJ, where Citi has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
Citi
18.99%APR
- Up to
- 26.99% APR
Costco Anywhere Visa Card by Citi
Lowest rate
Fox Federal Credit Union
6.95%APR
- Up to
- —
2nd-lowest rate
NYU Federal Credit Union
7.90%APR
- Up to
- —
Citi credit card score
60
Credit card score
Higher than 1% of U.S. banks and credit unions
- Purchase APRPurchase APR18.99%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Citi ranks
By credit card score, in each area where it has branches
- #68 of 69New York-Newark-Jersey City, NY-NJ metro219
- #82 of 83Los Angeles-Long Beach-Anaheim, CA metro125
- #44 of 45San Francisco-Oakland-Fremont, CA metro63
- #63 of 65Chicago-Naperville-Elgin, IL-IN metro57
- #36 of 38Miami-Fort Lauderdale-West Palm Beach, FL metro56
- #69 of 69Washington-Arlington-Alexandria, DC-VA-MD-WV metro34
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
AAdvantage MileUp card
Variable APR for purchases and balance transfers is 19.74% - 29.74% based on creditworthiness. No annual fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 19.74%–29.74% | None | Variable APR for purchases and balance transfers is 19.74% - 29.74% based on creditworthiness. No annual fee. |
Sources (1)
- citi.com/credit-cards/aadvantage-mile-up-credit-card · captured Oct 22, 2026
AT&T Points Plus Card from Citi
Variable APR for purchases and balance transfers is 19.74% - 27.74% based on creditworthiness. No annual fee. No foreign transaction fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 19.74%–27.74% | None | Variable APR for purchases and balance transfers is 19.74% - 27.74% based on creditworthiness. No annual fee. No foreign transaction fees. |
Sources (1)
- citi.com/credit-cards/citi-att-pointsplus-credit-card · captured Oct 22, 2026
Citi / AAdvantage Executive card
Variable APR for purchases and balance transfers is 19.74% - 29.74% based on creditworthiness. Annual fee $695. No foreign transaction fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 19.74%–29.74% | $695 | Variable APR for purchases and balance transfers is 19.74% - 29.74% based on creditworthiness. Annual fee $695. No foreign transaction fees. |
Sources (1)
- citi.com/credit-cards/citi-aad…-world-legend-mastercard · captured Oct 22, 2026
Citi / AAdvantage Globe card
Variable APR for purchases and balance transfers is 19.74% - 29.74% based on creditworthiness. Annual fee applies. No foreign transaction fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 19.74%–29.74% | $350 | Variable APR for purchases and balance transfers is 19.74% - 29.74% based on creditworthiness. Annual fee applies. No foreign transaction fees. |
Sources (1)
- citi.com/credit-cards/citi-aadvantage-globe-mastercard · captured Oct 22, 2026
Citi / AAdvantage Platinum Select card
Variable APR for purchases and balance transfers is 19.74% - 29.74% based on creditworthiness. Annual fee waived for first year; $99 thereafter.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 19.74%–29.74% | $99 | Variable APR for purchases and balance transfers is 19.74% - 29.74% based on creditworthiness. Annual fee waived for first year; $99 thereafter. |
Sources (1)
- citi.com/credit-cards/citi-aad…t-world-elite-mastercard · captured Oct 22, 2026
Citi Diamond Preferred Credit Card
0% intro APR for 21 months on balance transfers from date of account opening; after that, variable APR will be 16.74% - 27.49% based on creditworthiness. $0 Annual Fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 21 months | 16.74%–27.49% | None | 0% intro APR for 21 months on balance transfers from date of account opening; after that, variable APR will be 16.74% - 27.49% based on creditworthiness. $0 Annual Fee. |
No ongoing APR is published for this card, only the rate above.
Sources (1)
- citi.com/credit-cards/citi-diamond-preferred-credit-card · captured Oct 15, 2026
Citi Double Cash Card
0% intro APR for 18 months on balance transfers from date of account opening; after that, variable APR will be 18.49% - 28.74% based on creditworthiness. Variable APR for purchases is 18.49% - 28.74%.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 18 months | 18.49%–28.74% | None | 0% intro APR for 18 months on balance transfers from date of account opening; after that, variable APR will be 18.49% - 28.74% based on creditworthiness. Variable APR for purchases is 18.49% - 28.74%. |
No ongoing APR is published for this card, only the rate above.
Sources (1)
- citi.com/credit-cards/citi-double-cash-credit-card · captured Oct 22, 2026
Citi Secured Mastercard
Variable APR for purchases and balance transfers is 26.24%. Fee for foreign purchases is 3% of the U.S. dollar amount of each purchase. $0 Annual Fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 26.24% | None | Variable APR for purchases and balance transfers is 26.24%. Fee for foreign purchases is 3% of the U.S. dollar amount of each purchase. $0 Annual Fee. |
Sources (1)
- citi.com/credit-cards/citi-secured-credit-card · captured Oct 22, 2026
Citi Simplicity Credit Card
0% intro APR for 18 months on purchases and balance transfers; after that, variable APR will be 17.74% - 28.49% based on creditworthiness. $0 Annual Fee. No late fees. No penalty rate.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 18 months | 17.74%–28.49% | None | 0% intro APR for 18 months on purchases and balance transfers. Standard variable APR applies after intro period. |
No ongoing APR is published for this card, only the rate above.
Sources (1)
- citi.com/credit-cards/citi-simplicity-credit-card · captured Oct 15, 2026
Citi Strata Card
0% intro APR for 15 months on purchases and balance transfers from date of account opening; after that, variable APR for unpaid promotional balances, new purchases, and new balance transfers is 18.74% - 28.74% based on creditworthiness. $0 Annual Fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 15 months | 18.74%–28.74% | None | 0% intro APR for 15 months on purchases and balance transfers from date of account opening; after that, variable APR for unpaid promotional balances, new purchases, and new balance transfers is 18.74% - 28.74% based on creditworthiness. |
No ongoing APR is published for this card, only the rate above.
Sources (1)
- citi.com/credit-cards/citi-strata-credit-card · captured Oct 22, 2026
Citi Strata Elite Card
Variable APR for purchases and balance transfers is 20.74% - 28.74% based on creditworthiness. Annual fee $595. No foreign transaction fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 20.74%–28.74% | $595 | Variable APR for purchases and balance transfers is 20.74% - 28.74% based on creditworthiness. Annual fee $595. No foreign transaction fees. |
Sources (1)
- citi.com/credit-cards/citi-strata-elite-credit-card · captured Oct 22, 2026
Citi Strata Premier Card
Earn points on everyday and travel purchases. $100 Annual Hotel Benefit. No foreign transaction fees. Annual Fee $95.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 20.24%–28.24% | $95 | Variable APR for purchases and balance transfers is 20.24% - 28.24% based on creditworthiness. Annual Fee: $95. Fee for foreign purchases: None. Cash advance fee: either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee: either $5 or 5% of the amount of each transfer, whichever is greater. Variable APR for cash advances: 29.49%. Variable penalty APR: up to 29.99%. Minimum interest charge: $0.50. |
Sources (1)
- citi.com/credit-cards/citi-strata-premier-credit-card · captured Oct 22, 2026
Costco Anywhere Visa Card by Citi
Variable APR for purchases and balance transfers is 18.99% - 26.99% based on creditworthiness. $0 annual fee with active Costco membership.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 18.99%–26.99% | None | Variable APR for purchases and balance transfers is 18.99% - 26.99% based on creditworthiness. $0 annual fee with active Costco membership. |
Sources (1)
- citi.com/credit-cards/costco-anywhere-visa-card · captured Oct 22, 2026
Dillard's Mastercard
Rewards credit card usable anywhere Mastercard is accepted. No annual fee. As of 9/22/2026, variable APR 32.74% for purchase, balance transfer, and cash advance.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 32.74% | None | As of 9/22/2026, variable APR 32.74% for purchase, balance transfer, and cash advance. Min. interest charge $2. |
Sources (1)
- citi.com/credit-cards/dillards-credit-cards · captured Oct 22, 2026
Exxon Mobil Smart Card+ Credit Card
Purchase APR is variable 33.49%; Cash Advance APR is variable 33.49%. Minimum interest charge: $2.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 33.49% | None | Purchase APR is variable 33.49%; Cash Advance APR is variable 33.49%. Minimum interest charge: $2. |
Sources (1)
- citi.com/credit-cards/exxon-mobil-credit-card · captured Oct 22, 2026
L.L.Bean Mastercard
No annual fee. Variable APR for purchases and balance transfers is 19.74% - 30.74% based on creditworthiness.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 19.74%–30.74% | None | No annual fee. Variable APR for purchases and balance transfers is 19.74% - 30.74% based on creditworthiness. |
Sources (1)
- citi.com/credit-cards/citi-llbean-credit-card · captured Oct 22, 2026
Macy's American Express Credit Card
Purchase, balance transfer, and cash advance APR is 32.99% (rates may vary with the market based on the Prime Rate). Minimum Interest Charge: $2.00.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 32.99% | None | Purchase, balance transfer, and cash advance APR is 32.99% (rates may vary with the market based on the Prime Rate). Minimum Interest Charge: $2.00. |
Sources (1)
- citi.com/credit-cards/citi-macys-credit-card · captured Oct 22, 2026
Macy's Card
Purchase APR is 32.99% (rates may vary with the market based on the Prime Rate). Minimum Interest Charge: $2.00.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 32.99% | None | Purchase APR is 32.99% (rates may vary with the market based on the Prime Rate). Minimum Interest Charge: $2.00. |
Sources (1)
- citi.com/credit-cards/citi-macys-credit-card · captured Oct 22, 2026
TSC Store Card
Earn rewards or choose special financing at Tractor Supply. No Annual Fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 3.99% | None | 3.99% on purchases of $1,599 or more until balance is paid in full at Tractor Supply. Single transaction requirement before taxes, fees and other discounts. Offer valid for consumer accounts in good standing. May not be combined with any other credit promotion offer. No annual fee. |
Sources (1)
- citi.com/credit-cards/citi-tractor-supply-credit-cards · captured Oct 15, 2026
TSC Visa Card
Earn rewards at Tractor Supply and anywhere Visa is accepted or choose special financing. No Annual Fee.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 3.99% | None | 3.99% on purchases of $1,599 or more until balance is paid in full at Tractor Supply. Single transaction requirement before taxes, fees and other discounts. Offer valid for consumer accounts in good standing. May not be combined with any other credit promotion offer. Usable anywhere Visa is accepted. No annual fee. |
Sources (1)
- citi.com/credit-cards/citi-tractor-supply-credit-cards · captured Oct 15, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.