There are many options to help you decide which Citibank card is right for your needs. 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), Card Preferred
Citi ThankYou(r), Preferred Card provides double rewards for dining out, theatre, and sporting events. However, the rewards rate for daily spending isn't as high. This means that you might need to compare other cards before applying for the card.
Citi offers various types of credit cards that will appeal to different consumer groups. You can choose from flexible points and airline credit cards. Some even offer 0% APR promotions. You should be aware that each card has different application requirements so you can apply. Some banks won't allow people who have received a signup bonus from another bank or have closed credit cards in the past.
Citi ThankYou rewards program has many similarities to credit card loyalty plans. ThankYou points can also be used for travel, gifts, and credit on statements. If you spend $2 on coffee you'll receive 10 ThankYou point, and $12 on a meal you'll earn you twenty. Citi ThankYou (r) Preferred Cards offers an interesting feature. ThankYou point can be used to purchase a check/statement credit or a check at either the end of a month or at year's end.
Citi Double Cash
Citi Double Cash credit cards offer a range of rewards that can be used for various 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.
You can also transfer your balance to the card at 0% APR. Although there will be a small fee, it is negligible in comparison to the interest savings. You will also receive $200 cash back if you spend $1,500 within your first six months. Although this card is not the most cash-back, it does offer some benefits that other cards do not.
First, the Double Cash card rewards good financial habits by rewarding you for paying your bills on time. 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 also pairs well 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 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. The card also allows you to access 400 airport lounges all over the world.
Citi Prestige Card members receive a complimentary Priority Pass Select membership that gives them access to over 1,200 airport lounges. This benefit is only valid for two nights each year. It can be used twice per year to save money on hotel stays, and even offset the $495 annual fee.
Citi Prestige credit cards offer an intro transfer offer. With this, you can take advantage of the 2% cash back. In addition, you'll have access to discounts on dining and entertainment in 95 countries.