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Citi Credit Cards: A Look At The Top 4
By: Ed Vegliante
With all of the credit card offers available to the public, consumers often have
a difficult time choosing the one that’s right for them. Citibank, one of the
leading credit card companies in the United States, has a variety of cards from
which to choose. I will now highlight four Citi offers for those trying to
decide which card is the right one for them. I picked the following Citi credit
card offers to highlight based on their popularity on my website,
www.credit-card-surplus.com. Read on for information about the top four Citi
credit cards.
Citi Platinum Select Card
One of the most important factors when choosing a credit card is security. With
identity theft on the rise, consumers need to take extra precaution to ensure
that their financial and personal information is secure. The Citi Platinum
Select card is a great choice for safety-conscious individuals because it comes
with a photo and signature option on the front of the card and Citi will
temporarily block your card if strange activity is noticed.
The Citi Platinum Select card has no annual fee and 0% APR on purchases and
balance transfers for the first twelve months. This means that you can
consolidate your debt by transferring balances from other credit cards onto the
Platinum Select card and be relieved of paying interest for one full year .
There is also no balance transfer fee for the initial transfers. And if you’re
in a hurry to get a decision, you can apply online and get an instant response.
I recommend this card to anyone who wants top security in their credit card and
who doesn’t want to pay an annual fee.
Citi Dividend Platinum Select Card
Rewards are a major factor when trying to find the right card. If you plan to
use your credit card for everyday purchases – such as groceries and gas – then a
reward card will give you more benefits than a standard credit card. Citibank
offers the Citi Dividend Platinum Select card, which also has no annual fee and
0% APR on balance transfers. You can consolidate your debt while earning cash
back on all of your purchases.
When you use the Citi Dividend Platinum Select card, you get 5% back on
purchases at supermarkets, drug stores and gas stations. With all other
purchases, you receive 1% back. I recommend this card to anyone with balances on
other cards, and anyone who uses their credit card regularly. If you’re going to
pay with a card, you might as well earn cash back.
Citi PremierPass Card
This is another reward card from Citibank, but it’s approached from an entirely
different direction. Citi has implemented something called the “Thank You”
program, which allows customers to earn points when they use the card. The
points can be redeemed later for merchandise and airline flights.
Again, this card has no annual fee, which means that you don’t have to pay to
use the card. When you use it to buy airplane tickets, you earn Flight Points,
and when you use it to buy other goods, you earn Spend Points and Purchase
Points. As soon as you make your first purchase, Citi gives you 15,000 bonus
points, which is a great way to get the ball rolling.
Citi Diamond Preferred Rewards Card
Another favorite Citi card is the Citi Diamond Rewards card. The structure is
very simple, and the card rewards you for spending money on everyday
necessities. When you use the card at supermarkets, gas stations and drug
stores, you receive five points for every dollar you spend, and when you use it
elsewhere, you receive one point on the dollar. Citi gives you 5,000 bonus
points after your first purchase, which can be redeemed for a $50.00 gift
certificate. It’s a great card for anyone who wants to see benefits right away.
This card carries no annual fee, with 0% APR on balance transfers for the first
twelve months. This card requires excellent credit for approval, but it has a
low APR for a rewards card. I recommend this card to anyone who needs online
support and who uses their credit card to pay for everyday purchases.
Now remember, whatever Citi credit card you choose, make sure you understand the
terms and conditions, and use your credit card wisely.
About the Author:
Click here to find Citi Credit Card Offers. Ed Vegliante runs
www.Credit-Card-Surplus.com, a credit card directory helping consumers to
compare and apply for credit cards. |
