By DialHelpUSA Editorial Team · 200-word guide
| Card | Annual Fee | Best For |
|---|---|---|
| Custom Cash | $0 | 5% on top spending category (chosen automatically) |
| Double Cash | $0 | 2% flat (1% buy + 1% pay) |
| Strata Premier | $95 | 3x travel, dining, gas, supermarkets |
| Premier (legacy) | $95 | 3x travel, gas, restaurants, hotels |
| AAdvantage Platinum Select | $99 | 2x American Airlines, dining, gas |
| Costco Anywhere Visa | $0 (with Costco membership) | 4% gas, 3% dining, 2% Costco, 1% other |
Earn: 5% cashback on top eligible spending category each billing cycle (up to $500). 1% other.
Categories: restaurants, gas, grocery, drugstores, home improvement, fitness, streaming, live entertainment, travel.
Best for: people whose spending varies month to month - the 5% auto-adjusts.
Earn: 2% on every purchase (1% when you buy + 1% when you pay).
Best for: simple flat-rate seekers. Beats most 1.5% cards.
Skip if: you're a heavy category spender - Custom Cash earns more in those niches.
Earn: 10x ThankYou Points on hotels / car rentals / attractions booked through Citi Travel; 3x on air travel, gas, dining, supermarkets.
Bonus: 70,000+ ThankYou Points after $4,000 spend (worth $700+ in transfer partners like Avianca, Singapore Airlines, JetBlue).
Best for: travelers who want flexible rewards. ThankYou Points transfer to 16+ airline / hotel partners.
Earn: 2x miles on American Airlines, dining, gas. 1x other.
Benefits: Free first checked bag, preferred boarding, 25% off in-flight purchases.
Best for: regular American Airlines flyers. Bonus miles + free bag often pay for the $99 fee.
Earn: 4% gas (up to $7,000/year), 3% dining + travel, 2% Costco, 1% other.
Annual fee: $0 with Costco membership (Gold Star $65/year, Executive $130/year).
Best for: Costco shoppers who drive a lot. The 4% gas alone is among the highest in the U.S.
Issued by Citi at costco.com; phone 1-855-378-6467.
For full Citi contact details: Citibank Customer Service.
Strata Premier typically offers 70,000+ ThankYou Points (~$700-1,000 value) for $4,000 spend. Custom Cash and Double Cash offer $200-300 cashback bonuses.
Yes - Citi has rules limiting some cards (no two within 8 days of each other; some bonus restrictions for 24-48 months between same-family cards). Custom Cash and Double Cash often pair well together.
Roughly 1 cent each for cashback, but 1.5-2 cents through transfer partners (Avianca, Singapore Airlines, JetBlue, Choice Hotels). Strata Premier and Premier earn the most valuable points.
Common reasons: insufficient credit history, recent multiple inquiries, existing Citi debt, or hitting Citi's family-card bonus restrictions. Wait 6+ months with clean record before reapplying.
Other questions our readers commonly ask about this topic:
Yes - Citibank customer service is reachable on a toll-free U.S. number that does not charge a per-minute fee. Standard mobile-carrier minutes may apply on metered cellular plans. International callers may pay long-distance charges depending on country and carrier. Visit our Citibank contact page for current toll-free numbers and hours.
Simple problems (account access, password resets, basic billing questions) typically resolve in a single 10-15 minute call. Complex issues (refund disputes, identity verification, escalated complaints) usually take 3-7 business days because they need supervisor review or document submission. If your case has stalled past 7 business days, escalate to a supervisor or the executive customer service team.
First, politely ask to escalate to a supervisor or to the executive customer service team. Most brands have an internal "office of the president" that handles complex complaints. If escalation does not resolve it, file a complaint with the Better Business Bureau (bbb.org), your state Attorney General consumer-protection portal, and - for finance, telecom, or airline issues - the relevant federal agency (CFPB, FCC, or DOT). Our Citibank customer service guide lists the alternate channels.