There are many things you can do to determine which Citibank creditcard is right. Many of the best options come with no annual fees. 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 rewards rate for everyday spending is not as high as the Citi ThankYou(r) Preferred Card. Therefore, it is a good idea to compare the rewards rates of other cards before signing on 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 banks won't allow people who have received a signup bonus from another bank or have closed credit cards in the past.
The Citi ThankYou rewards program is similar to most credit card loyalty programs. ThankYou points can be used to redeem for gift cards, travel credits, and statement credits. For example, if you buy coffee for $2, you get 10 ThankYoupoints, while a $12 dinner will net you 20. The Citi ThankYou(r) Preferred Card offers an interesting feature: you can redeem your ThankYou points for a check or statement credit, either at the end of the month or at the end of the year.
Citi Double Cash
The Citi Double Cash credit card offers a variety of rewards for a variety of purchases. To redeem cash back rewards, you must have a minimum of $25. The best way to maximize your rewards is to pay off your balance in full each month. Otherwise, your rewards expire after twelve months.
The card also provides a balance transfer option at 0% interest. There will be a fee but it is not as high as the interest savings. The card also offers $200 cash back rewards for spending $1,500 within the first six month. 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. It will reward you for paying your bills on-time. This card is a great option for those who are just starting to earn cash back. 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 credit is a great option if you are a frequent traveler who wants to reap the benefits of luxury travel. The card offers frequent travelers a variety of perks, including 5 points per $1 spent on eligible air travel and three points per $1 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.
Citi Prestige Card includes a complimentary Priority Pass Select membership. This allows you to access over 1,200 airport lounges across the globe. 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.
The Citi Prestige credit card also has an intro balance transfer offer. With this, you can take advantage of the 2% cash back. Additional benefits include discounts on entertainment and dining in 95 different countries.