There are many factors that will help you choose the Citibank credit card that is right for YOU. Many of the best options come with no annual fees. They offer 0% APR initial periods and waive annual fees for their first year. It doesn't matter if you are looking to make new purchases, or just transfer your balances, the introductory period at 0% APR is a huge benefit.
Citi ThankYou(r) Preferred Card
Citi ThankYou(r), Preferred Card provides double rewards for dining out, theatre, and sporting events. The card's rewards rate isn’t as high for everyday spending. As a result, you may have to compare other cards before signing up for this one.
Citi offers a variety of credit cards to suit all types of customers. There are flexible points cards, airline credit cards and cash back cards. Some cards even offer 0% APR promotional offers. Each card has its own application process so be sure to read the conditions before you apply. Some cards don't accept those who have been granted a sign up bonus from another bank, or people who have previously closed a credit line.
Citi ThankYou Rewards program is similar to many credit card loyalty programs. ThankYou points can also be used for travel, gifts, and credit on statements. You can redeem ThankYou points for gifts, trips, or statement credits. For example, if your coffee purchase is $2, you will receive 10 ThankYou points. A $12 meal will give you 20 points. Citi ThankYou(r), the Preferred card, has an interesting feature. ThankYou points can either be used for a check (or statement credit) at the end o f the month.
Citi Double Cash
Citi Double Cash creditcard offers numerous rewards for a variety purchases. You will need to have a $25 minimum balance in order to redeem your cashback rewards. The best way to maximize your rewards is to pay off your balance in full each month. Otherwise, your rewards will expire after 12 months.
The card also offers a 0% APR balance transfer option. Although there will be a small fee, it is negligible in comparison to the interest savings. A $200 cash back reward is also offered by the card after you spend $1500 within the first six months. While this isn't the highest cash-back credit card, it has a few benefits that other cards don't offer.
First, the Double Cash Card rewards good financial habits. It will reward you for paying your bills on-time. This is a great card for people new to cashback rewards cards. It also has a flat-rate APR which makes it a great option for people who only have one credit card. This card can also be used with other cards.
Citi Prestige
The Citi Prestige credit card is a great option for frequent travelers who want to reap the rewards of luxury travel. It provides frequent travelers with a host of perks including 5 points per $ spent on eligible flights and 3 points per $ spent in hotels. The card doesn't charge foreign transaction fees. You have access to more than 400 airport lounges across the globe.
The Citi Prestige Card also comes with Priority Pass Select membership as an additional bonus. This gives you access at over 1,200 airport lounges around the world. The benefit is valid for only two nights per calendar year. This benefit can be used twice in one year. It could save you a lot on hotel stays and even offset your annual fee of $495.
Citi Prestige credit cards also offer an intro balance transfer deal. With this, you can take advantage of the 2% cash back. Access to discounted dining and entertainment in 95 international countries is also possible.