There are many ways to choose which Citibank credit cards is best for you. The best options are often available with no annual fee. 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), the Preferred Card from Citi, offers double points for dining, theater, or sports events. The rewards rate for everyday spending is not as high as the Citi ThankYou(r) Preferred Card. 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. You should be aware that each card has different application requirements so you can 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 has many similarities to credit card loyalty plans. Cardholders can redeem ThankYou points for gifts, trips, or statement credits. 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 creditcard offers multiple rewards for a variety shopping transactions. Generally, it requires a minimum balance of $25 to redeem your cash back rewards. To maximize your rewards, you should pay your monthly balance in full. Otherwise, your rewards will expire after 12 months.
The card also allows you to transfer balances 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. This card doesn't have the highest cash back, but it offers a few advantages that other cards don’t.
First, the Double Cash card rewards good financial habits by rewarding you for paying your bills on time. This is an excellent option for people who are new to cash back rewards cards. Flat-rate APR is another benefit, making this card an excellent choice for people who have only one credit card. This card is compatible with other cards.
Citi Prestige
Citi Prestige is an excellent option for frequent travellers who want to enjoy luxury travel. There are many perks available for frequent travelers. They include 5 points per dollar on eligible air travel and 3 point per dollar on hotel stays. Additionally, foreign transaction fees are not applicable to the card. The card also allows you to access 400 airport lounges all over the world.
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. This benefit is only valid for two nights each year. It is possible to use the benefit twice in a single year. This could help you save significant money on your hotel stays.
Citi Prestige creditcard also offers an intro balance transfer. With this, you can take advantage of the 2% cash back. Access to discounted dining and entertainment in 95 international countries is also possible.