Citibank was established in 1812 as the customer division of the financial services of the multinational Citigroup. It was opened as the “city bank” of New York, which later became First National City Bank of New York. Citibank provides commercial loans, personal loans, mortgages, lines of credit, and credit cards to both consumers and small businesses. Citi’s official website mentions that it has around 55 million accounts globally, and it has generated sales of approximately $448 million and an average loan portfolio of $112 billion.

Citibank currently has 2,649 branches across 19 countries, and 723 branches out of those are in our country.

• You can apply for only one personal credit card in an eight-day period.
• Citibank allows you to apply for one business credit card in a 90-day period.
• However, you can apply for two Citibank credit cards in a 60-day period. This could be two personal cards or one personal card and one business card.

Signup bonuses
A card issuer offers a sign-up bonus or incentive in the form of points, waiving off transaction fees, or such once you complete the signing up process of the credit card, but there can be some limitations and restrictions toward the same. Citibank limits signup bonus per brand (for instance, Thank You®, AAdvantage ®, and such) in a 24-month period. If you want signup bonus on both cards, you should consider buying one personal credit card and one business credit card.

Choosing the right Citibank credit card
Keeping in mind the signup bonus, it makes more sense to choose a specific brand. Here are some of the best Citibank credit cards based on their different types:

Rewards credit cards
From cash back points to travel rewards like air miles and hotel room benefits, there are plenty of Citibank reward credit cards to choose from:

• Citi® / Advantage® Platinum Select® World Elite™ Mastercard®.
  This Citibank credit card offers 60,000 American Airlines AAdvantage® bonus miles once you spend $3,000 in purchases within the first three months of account opening. The card does not charge foreign transaction fees on purchases, and it has a variable interest rate of 18.24% to 26.24% depending on your credit score. It has an annual fee of $99, which is waived for the first year of purchase). You can also upgrade your travel experience by using this card for preferred boarding on domestic flights, zero transaction fee, bonus miles, and much more.
• Citi Premier℠ Card
  This card is a part of Citibank’s Thank You® Credit Cards Brand and lets you earn 50,000 bonus points after making purchases worth $4,000 within three months of purchasing the card. The card has the same range of 16.74% to 25.74% for the annual purchase rate (APR) and balance transfer rate based on your creditworthiness. You need to pay a separate $5 or 3% of the transfer amount (whichever is greater). It has an annual fee of $95, which is waived in the first year of purchase. Being a rewards card, it offers 3X points when used at gas stations, 2X points at restaurants, and 1X points on all other purchases. Also, it does not incur any foreign transaction fees on purchases, and you can redeem up to $625 in airfare on any airlines without any blackout dates.
• Citi® Double Cash Card
  A part of Citibank’s Cash Back Credit Cards, this card does not incur an annual fee. It does not charge you on balance transfer for 18 months, after which it is 15.74% to 25.74% based on your creditworthiness. The standard APR is the same as the balance transfer rate, and the balance transfer fee after 18 months is either $5 or 3% of the amount to be transferred. You can earn cash back twice with 1% on purchases and 1% when you pay the credit card bill. One of the major benefits is that you are not charged a late fee on failing to pay your first credit card bill. The Citi® Private Pass® allows exclusive access to annual events, VIP packages to concerts, sporting events, movie screenings, and such.

Travel credit cards
These credit cards help you to earn free or discounted travel, achieve elite member status with airlines and hotels, and enjoy many other travel-related perks. Some popular Travel Credit Cards by Citibank are:

• CitiBusiness®/ AAdvantage® Platinum Select® World Mastercard®
  This card lets you earn 70,000 American Airlines AAdvantage® bonus miles on swiping your Citibank card for $4,000 within four months of opening the account. Some of the American Airline flight perks on using CitiBusiness®/ AAdvantage® Platinum Select® World Mastercard® are the first checked bag free for domestic travel, preferred boarding, and 25% saving on American Airlines inflight Wi-Fi. The card has a variable APR of 17.99% to 25.99% and does not incur foreign transaction fees on purchases, but it has a high annual fee of $99, which is waived for the first year.
• Expedia® Rewards Card
  The credit card lets you earn 10,000 Expedia Rewards bonus points after you spend $1,000 in the first three months of opening an account. You also earn a $50 statement credit after making a purchase of over $50 within the first three months. The card does not incur an annual fee and charges a variable APR of 17.24%to 25.24% based on your creditworthiness. It credits 3 Expedia Rewards bonus points for every dollar spent on Expedia purchases like hotels, flight, and other travel packages.
• American Airlines AAdvantage MileUp℠ Card
  This travel card allows you to earn 10,000 miles that you can redeem for booking flights with American Airlines, plus a $50 statement credit after making purchases worth $500 within the first three months of purchasing the card. It does not incur an annual fee, offers 25% savings on inflight food and beverages, and has a variable APR ranging between 18.24% and 26.24%. Apart from this, the card also offers 2x AAdvantage® miles at grocery stores and 1X on all other purchases.

Low-interest credit cards
Here are some popular low-interest Citibank credit cards:

• Citi® Diamond® Preferred® Card
  This credit card offers a low intro APR and 0% on balance transfers for the first 18 months. The card does not incur annual fees and has a comparatively low APR ranging between 15.24% to 25.24. You also get the Citi® Private Pass®, which offers you VIP packages for sporting events, concerts, complimentary movie screenings, and so on.
• Citi Simplicity® Card
  The credit card from Citibank does not incur penalty rates or an annual fee. It allows 0% introductory APR on balance transfers for the first 21 months and 0% intro APR on purchases for the first 12 months of opening the account. After the initial months, it has a variable APR of 16.24% to 26.24% based on your creditworthiness.
• Citi Rewards+℠ Card
  The latest card from Citibank offers 15,000 bonus points after you swipe your Citi Rewards+℠ Card for $1,000 in purchases within the first three months of opening the account. You also get to earn 2X points at supermarkets and gas stations and 1X points on all other purchases. The card does not have an annual fee and comes with 0% introductory APR for the first year, after which the variable APR ranges between 15.74% and 25.74%.