There are many ways to choose which Citibank credit cards is best for you. The best options often come with no annual charges. They offer 0% APR initial periods and waive annual fees for their first year. The introductory period of 0% APR is an excellent benefit, whether you intend to make new purchases or transfer balances.
Citi ThankYou(r), Preferred Card
The Citi ThankYou(r) Preferred Card offers double rewards for dining, theater, and sports events. The card does not offer a high rewards rate for everyday purchases. Therefore, it is a good idea to compare the rewards rates of other cards before signing on for this one.
Citi offers many types of credit cards, which appeal to all types of people. There are various types of credit cards that you can choose from: flexible points, airline credit cards, cash back cards, or even 0% APR. You should be aware that each card has different application requirements so you can apply. Some card companies won't approve people who have already signed up for a signup bonus with another bank.
Citi ThankYou rewards program works in the same way as most credit card loyalty programmes. ThankYou points can also be used for travel, gifts, and credit on statements. Spend $2 on coffee and you will get 10 ThankYou Points. A $12 meal earns you 20 points. Citi ThankYou(r), a Preferred Card, offers an interesting feature. Your ThankYou points can be used to redeem a check or credit at the end either of the month or the year.
Citi Double Cash
Citi Double Cash credit card offers many rewards for different purchases. Generally, it requires a minimum balance of $25 to redeem your cash back rewards. Paying your balance in full each month is the best way to maximize your rewards. Your rewards will be lost after 12 months.
The card also provides a balance transfer option at 0% interest. You will be charged a fee, but it is minimal compared to the interest savings. A $200 cash back reward is also offered by the card after you spend $1500 within the first six months. Although this card is not the most cash-back, it does offer some benefits that other cards do not.
The Double Cash card rewards you for following good financial practices by rewarding your timely payment of bills. This card is great for those new to cashback reward cards. The flat-rate APR makes this card a good choice for those with only one creditcard. This card is compatible with other cards.
Citi Prestige
Citi Prestige credit is a great option if you are a frequent traveler who wants to reap the benefits of luxury travel. It offers a plethora of perks for frequent travelers, including 5 points per dollar spent on eligible air travel and 3 points per dollar spent on hotels. Additionally, foreign transaction fees are not applicable to the card. Access to over 400 airport lounges around the world is also possible.
As an added bonus, the Citi Prestige Card comes with a complimentary Priority Pass Select membership, which gives you access to over 1,200 airport lounges worldwide. However, the benefit is only valid for 2 nights per year. If you can use it twice in a year, it could help you save a lot of money on hotel stays and even offset the annual fee of $495.
Citi Prestige credit cards offer an intro transfer offer. You can also get 2% cashback with this card. Access to discounted dining and entertainment in 95 international countries is also possible.