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
Citi ThankYou(r), the Preferred Card from Citi, offers double points for dining, theater, or sports events. However, the rewards rate for daily spending isn't as high. You may need to compare your options before you sign up for this card.
Citi offers various types of credit cards that will appeal to different consumer groups. There are various types of credit cards that you can choose from: flexible points, airline credit cards, cash back cards, or even 0% APR. Every card is different so make sure you read all terms and conditions. Some of them don't accept people who have signed up for a sign-up bonus with another bank, or those who have closed a credit card before.
Citi ThankYou Rewards program is similar to many credit card loyalty programs. ThankYou points can then be redeemed by cardholders to purchase gifts, trips or credit for 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. 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
Citi Double Cash credit card offers many rewards for different purchases. Cash back rewards are redeemable if you have at least $25 in balance. To maximize your rewards, you should pay your monthly balance in full. If you do not, your rewards may expire after 12 month.
The card also offers a 0% APR balance transfer option. A fee will be charged, but this is minimal 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. It isn't the best cash-back credit card but it does have some advantages that other cards don’t.
The Double Cash card rewards financial prudence by rewarding you for timely payment of your bills. This is a great card for people new to cashback rewards 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
The Citi Prestige credit card is a great option for frequent travelers who want to reap the rewards of 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. Access to over 400 airport lounges around the world is also possible.
Citi Prestige Card members receive a complimentary Priority Pass Select membership that gives them access to over 1,200 airport lounges. However, this benefit is only good for two nights per year. It can be used twice per year to save money on hotel stays, and even offset the $495 annual fee.
The Citi Prestige credit card also has an intro balance transfer offer. This will allow you to receive 2% cashback. Additional benefits include discounts on entertainment and dining in 95 different countries.