Cash Back Cards? Cha-Ching

We suggest offers based on money we make from our partners.

Intro Purchase APR

N/A

Regular Purchase APR

18.74% - 28.74%* Variable

Intro Balance Transfer APR

0% for 18 Months

Regular Balance Transfer APR

18.74% - 28.74%* Variable

Annual Fee

$0

Rewards

None
Cash Back

Balance Transfer Fee

Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).

Min Credit Needed

GOOD

Return Payment Fee

Up to $41

Foreign Transaction Fee

3%

Penalty APR

Up to 29.99% Variable

Late Fee

See Terms*

Cash Advance Fee

5%, Min: $10

Cash Advance APR

29.99%* Variable

Card Information

Great for high flat-rate cash back

Card Details

  • 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, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.74% - 28.74%, 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).
  • Rates and fees

Card Details

  • 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, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.74% - 28.74%, 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).
  • Rates and fees

Intro Purchase APR

N/A

Regular Purchase APR

18.74% - 28.74%* Variable

Intro Balance Transfer APR

0% for 18 Months

Regular Balance Transfer APR

18.74% - 28.74%* Variable

Annual Fee

$0

Min Credit Needed

GOOD

 

Intro Purchase APR

N/A

Regular Purchase APR

19.99% - 27.99% (Variable)

Intro Balance Transfer APR

N/A

Regular Balance Transfer APR

19.99% - 27.99% (Variable)

Annual Fee

$0

Rewards

None
Cash Back

Balance Transfer Fee

Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.

Min Credit Needed

EXCELLENT

Return Payment Fee

Up to $41

Foreign Transaction Fee

0%

Penalty APR

Up to 29.99% Variable

Late Fee

See Terms*

Cash Advance Fee

5%, Min: $10

Cash Advance APR

29.99%* Variable

Card Information

Great for gas and EV charging

Card Details

  • Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
  • 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
  • No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
  • Rates and fees

Card Details

  • Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
  • 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
  • No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
  • Rates and fees

Intro Purchase APR

N/A

Regular Purchase APR

19.99% - 27.99% (Variable)

Intro Balance Transfer APR

N/A

Regular Balance Transfer APR

19.99% - 27.99% (Variable)

Annual Fee

$0

Min Credit Needed

EXCELLENT