CFPB TCCP survey · December 31, 2025
Citibank, N.A. credit card rates & fees
Citibank, N.A. reported 42 credit card plans to the CFPB. Their median purchase APR is 32.49%, higher than the 23.49% median across all surveyed cards. The lowest starting APR is on the Citi Diamond Preferred (16.49%). 37 of 42 plans have no annual fee.
Bank Citibank, National Association financial health scorecard 60 out of 100, Moderate
Plans
| Card | Purchase APR | By credit tier (great / good / poor) | Cash APR | Annual fee | Late fee | Foreign fee | Grace |
|---|---|---|---|---|---|---|---|
| Citi Diamond Preferred | 16.49% – 27.24% | 16.5% / 27.2% / – | 29.74% | $0 | $41 | 3.0% | 23 d |
| Citi Custom CashOther rewards | 17.49% – 27.49% | 17.5% / 27.5% / – | 29.74% | $0 | $41 | 3.0% | 23 d |
| Citi Double Cash CardCashback rewards | 17.49% – 27.49% | 17.5% / 27.5% / – | 29.74% | $0 | $41 | 3.0% | 23 d |
| Citi Simplicity Card | 17.49% – 28.24% | 17.5% / 28.2% / – | 29.74% | $0 | — | 3.0% | 23 d |
| Citi StrataOther rewards | 18.49% – 28.49% | 18.5% / 28.5% / – | 29.74% | $0 | $41 | 3.0% | 23 d |
| Costco Anywhere Visa CardCashback rewards | 18.74% – 26.74% | 18.7% / 26.7% / – | 28.74% | $0 | $41 | 0.0% | 23 d |
| AAdvantage MileUp CardTravel-related rewards | 19.49% – 29.49% | 19.5% / 29.5% / – | 29.74% | $0 | $41 | 3.0% | 23 d |
| AT&T Points Plus CardOther rewards | 19.49% – 27.49% | 19.5% / 27.5% / – | 29.74% | $0 | $41 | 3.0% | 23 d |
| Citi AAdvantage Executive World Elite MasterCardTravel-related rewards | 19.49% – 29.49% | 19.5% / 29.5% / – | 29.74% | $595 | $41 | 0.0% | 23 d |
| Citi AAdvantage Globe MastercardTravel-related rewards | 19.49% – 29.49% | 19.5% / 29.5% / – | 29.74% | $350 | $41 | 0.0% | 23 d |
| Citi AAdvantage Platinum SelectTravel-related rewards | 19.49% – 29.49% | 19.5% / 29.5% / – | 29.74% | $99 | $41 | 0.0% | 23 d |
| Citi Strata PremierOther rewards | 19.49% – 27.49% | 19.5% / 27.5% / – | 29.74% | $95 | $41 | 0.0% | 23 d |
| LL Bean MastercardOther rewards | 19.49% – 30.49% | 19.5% / 25.5% / 30.5% | 32.49% | $0 | $40 | 3.0% | 25 d |
| Citi Strata EliteTravel-related rewards | 20.49% – 28.49% | 20.5% / 28.5% / – | 29.74% | $595 | $41 | 0.0% | 23 d |
| Citi Secured MasterCardsecured | 25.99% | – / – / – | 29.74% | $0 | $41 | 3.0% | 23 d |
| Ross Simons Credit Card | 29.99% | – / – / – | — | $0 | $40 | 0.0% | 25 d |
| The Home Depot Consumer Credit Card | 29.99% | – / – / – | — | $0 | $41 | 0.0% | 25 d |
| My Best Buy Credit Card | 30.74% | – / – / – | — | $0 | $41 | 0.0% | 25 d |
| My Best Buy Visa | 30.74% | – / – / – | 29.99% | $0 | $41 | 0.0% | 25 d |
| Dillards Credit Card | 32.49% | – / – / – | — | $0 | $41 | 0.0% | 25 d |
| Dillards MasterCard | 32.49% | – / – / – | 32.49% | $0 | $41 | 3.0% | 25 d |
| Drive Card | 32.49% | – / – / – | — | $0 | $40 | 0.0% | 25 d |
| Electronics & Appliances Card | 32.49% | – / – / – | — | $0 | $40 | 0.0% | 25 d |
| Home Furnishings | 32.49% | – / – / – | — | $0 | $40 | 0.0% | 25 d |
| Jewelers Reserve Card | 32.49% | – / – / – | — | $0 | $40 | 0.0% | 25 d |
| Shell Fuel Rewards Card | 32.49% | – / – / – | 32.49% | $0 | $40 | 0.0% | 25 d |
| Shell Fuel Rewards Mastercard | 32.49% | – / – / – | 32.49% | $0 | $40 | 3.0% | 25 d |
| TSC Store Card | 32.49% | – / – / – | — | $0 | $41 | 0.0% | 25 d |
| TSC Visa Credit Card | 32.49% | – / – / – | 32.49% | $0 | $41 | 3.0% | 25 d |
| Volkswagon Service Card | 32.49% | – / – / – | — | $0 | $40 | 0.0% | 25 d |
| Bloomingdales American Express Card | 32.74% | – / – / – | 32.74% | $0 | $41 | 3.0% | 25 d |
| Bloomingdale's Credit Card | 32.74% | – / – / – | — | $0 | $41 | 0.0% | 25 d |
| Macy's American Express | 32.74% | – / – / – | 32.74% | $0 | $41 | 3.0% | 25 d |
| Macy's Credit Card | 32.74% | – / – / – | — | $0 | $41 | 0.0% | 25 d |
| Exxon Mobile Smart Card | 33.24% | – / – / – | 33.24% | $0 | $40 | 0.0% | 25 d |
| Meijer Credit Card | 33.24% | – / – / – | — | $0 | $40 | 0.0% | 25 d |
| Meijer MastercardOther rewards | 33.24% | – / – / – | 33.24% | $0 | $40 | 3.0% | 25 d |
| Just Tires Credit Card | 33.49% | – / – / – | 33.49% | $0 | $40 | 0.0% | 25 d |
| The Goodyear Credit Card | 33.49% | – / – / – | 33.49% | $0 | $40 | 0.0% | 25 d |
| Wayfair Credit Card | 33.49% | – / – / – | — | $0 | $40 | 0.0% | 25 d |
| Wayfair MastercardOther rewards | 33.49% | – / – / – | 33.49% | $0 | $40 | 3.0% | 25 d |
| BrandSource Credit Card | 34.24% | – / – / – | — | $0 | $41 | 0.0% | 25 d |
APRs are what the issuer reported for the survey period; your offer depends on your credit. Check the issuer's current terms before applying. "Credit tier" columns are the median APR the issuer reported for consumers with credit scores of 720+, 620–719 and 619 or below.