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LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
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LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).

Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
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American Express Disclosure
Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

American Express Disclosure

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more.

Citi Mocks

Written by
Kristen Grau
Edited by
Robin Ratcliff
Published on:
Content was accurate at the time of publication.
Why use LendingTree? We are committed to providing accurate content that helps you make informed money decisions. The content on this page has not been reviewed, approved or otherwise endorsed by any credit card issuer. We do maintain partnerships with some issuers, and our site may be compensated through those partnerships. Read our

Editorial Guidelines

At LendingTree, we are committed to providing accurate and actionable content that helps you make informed decisions about your money. Our team of writers and editors follows these key guidelines:
  • We thoroughly fact-check and review all content for accuracy. We aim to make corrections on any errors as soon as we are aware of them.
  • Our partners do not commission or endorse our content.
  • Our partners do not pay us to feature any specific product in our content, but we do feature some products and offers from companies that provide compensation to LendingTree. This may impact how and where offers appear on the site (such as the order).
  • We review and interview both external and internal reputable sources for our content and disclose sourcing in our content.
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AT&T Points Plus® Card from Citi

AT&T Points Plus<sup>®</sup> Card from Citi AT&T Points Plus<sup>®</sup> Card from Citi
apply-now-icon Apply Now
on Citibank's secure site
Rates & Fees

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Intro Balance Transfer LengthN/A
Rewards Rate1X - 3X points
  • Earn 3 ThankYou® Points per $1 spent at Gas Stations.
  • Earn 2 ThankYou® Points per $1 spent at Grocery Stores.
  • Earn 1 ThankYou® Point per $1 spent on all other purchases.
Welcome Offer$100 statement credit
Earn a $100 Statement Credit after spending $1,000 in eligible purchases in the first 3 months of account opening.
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-720
Good
Get Your Free Credit Score
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  • Earn a $100 Statement Credit after spending $1,000 in qualifying activities in the first 3 months of account opening
  • Earn up to an additional $240 back toward your qualifying AT&T Wireless bills every year after eligible spend
  • Earn 3 ThankYou® Points for every $1 spent at gas and EV charging stations
  • Earn 2 ThankYou® Points per $1 spent at Grocery Stores
  • Earn 1 ThankYou® Point per $1 spent on all other purchases
  • No limit to the amount of points you can earn, and your points will not expire.
  • No Annual Fee

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Citi Custom Cash® Card

Citi Custom Cash<sup>®</sup> Card Citi Custom Cash<sup>®</sup> Card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.4
apply-now-icon Apply Now
on Citibank's secure site
Rates & Fees

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Intro Balance Transfer Length0% intro APR for 15 months on Balance Transfers; after that, a 18.74% - 28.74% (Variable) applies.
Rewards Rate1% - 5% cash back
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter.
  • Earn unlimited 1% cash back on all other purchases.
  • Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026
Welcome Offer20,000 points
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.
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
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  • 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.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash® Card account per person.

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Citi Double Cash® Card

Citi Double Cash<sup>®</sup> Card Citi Double Cash<sup>®</sup> Card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.8
apply-now-icon Apply Now
on Citibank's secure site
Rates & Fees

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Intro Balance Transfer Length0% intro APR for 18 months on Balance Transfers; after that, a 18.74% - 28.74% (Variable) applies.
Rewards Rate2% - 5% 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.
Welcome Offer$200 cash back
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.
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
600-850
Fair / Good / Excellent
Get Your Free Credit Score
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  • Et dolore magna aliqua
  • Ut enim ad minim veniam
  • quis nostrud exercitation ullamco laboris
  • 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).

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Citi Strata Premier℠ Card

Citi Strata Premier<sup>℠</sup> Card Citi Strata Premier<sup>℠</sup> Card
LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.

4.6
apply-now-icon Apply Now
on Citibank's secure site
Rates & Fees

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Intro Balance Transfer LengthN/A
Rewards Rate1X - 10X points
  • 10x on Hotels, Car Rentals, and Attractions booked through CitiTravel.com. Earn 3 Points per $1 spent on Air Travel and Other Hotel Purchases.
  • Earn 3 Points per $1 spent on Restaurants.
  • Earn 3 Points per $1 spent on Supermarkets.
  • Earn 3 Points per $1 spent on Gas and EV Charging Stations.
  • Earn 1 Point per $1 spent on All Other Purchases
  • $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
  • Travel insurance protection: Trip Cancellation and Trip Interruption (Common Carrier), Trip Delay, Lost or Damaged Luggage, MasterRental Coverage (Car Rental).
Welcome Offer70,000 points
Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
Recommended Credit
Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
660-850
Good / Excellent
Get Your Free Credit Score
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  • Et dolore magna aliqua
  • Ut enim ad minim veniam
  • quis nostrud exercitation ullamco laboris
  • Earn 70,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $700 in gift cards or travel rewards at thankyou.com
  • Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
  • Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
  • Earn 1 Point per $1 spent on all other purchases.
  • $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
  • No expiration and no limit to the amount of points you can earn with this card
  • No Foreign Transaction Fees on purchases

The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.

Kristen Grau

  • Expertise: Credit cards, credit health, credit scoring
  • Education: Florida Atlantic University

 

Kristen Grau is a staff writer at LendingTree, where she focuses on credit cards.

Before joining LendingTree in 2022, she wrote about small business taxes for an accounting firm in Orlando. She’s also covered personal finance and credit topics for the personal finance site Debt.com, as well as student finance topics for the education site BestColleges.com. Kristen loves to help people make financial decisions through content that’s empowering and easy to understand.

Kristen studied journalism at Florida Atlantic University.

Read More

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