Which Citi Credit Card is Good?
With a broad and diverse product lineup, Citi has credit cards that are a smart fit for almost any type of cardholder. Whether you’re a college student, small business owner, or just looking for a rewards card to put some cash back in your pocket, read on to learn more about Citi credit cards.
Rewards, benefits, interest rates and fees from published websites as of 12/30/2014.
I want to earn cash back twice and pay no annual fee
Citi Cash Back Credit Card: Citi Double Cash Card
Keep in mind, cash back will expire if you have not earned any cash back from purchases or payments for 12 months, so make sure you use the card regularly.
I want rewards with no annual fee
Citi Rewards Credit Card: Citi ThankYou Preferred Card
New cardholders earn a bonus of 20,000 points if they spend $1,500 with the card within 3 months of opening the account. That’s enough to redeem for up to $200 in gift cards or other rewards. Points have no expiration date and there’s no limit to how many you can earn. There is no annual fee.
I plan to carry a balance and I hate late fees, penalty fees, and annual fees
Citi Balance Transfer Card: Citi Simplicity Card
It’s a great choice for anyone looking to make some big purchases that they’ll need time to pay off, or even to cut down their debt load by transferring their balance to a lower-interest card. You won’t be able to earn any rewards points or cash back on purchases made with this card, but the money you’ll save on interest payments should more than make up for any rewards you could have accumulated elsewhere.
I'm a college student and I want rewards with no annual fee
Citi Student Credit Card: Citi ThankYou Preferred Card for College Students
New cardholders earn 2,500 bonus points after spending $500 within the first 3 months of membership.
As with choosing any credit card, deciding which Citi card is best for you requires research and a complete understanding of the pros and cons associated with each card. We hope this list provides you with a head start on your credit card comparison shopping.
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