Citicards: The Various Cards Offered by Citibank

Citicards credit cards are issued by Citibank, one of the top four banks in the entire United States. Citibank offers different types of credit cards, ranging from rewards cards to low or zero interest balance transfer cards. There are cards for your personal needs, business requirements, and even for students with no or limited credit history.

Low Interest Cards

One of Citibank’s low interest cards is the Citi Simplicity card. This card let you enjoy enticing APR on all balance transfers and purchases during a particular period from sign up. When that period has come to pass, APR is then adjusted to its regular rate, which is still much lower compared to those offered by other cards. Adjusted rate may depend on your existing credit score. The same percentage will apply on your balance transfer APR. The best thing about this card is that it does not have penalty and late fees.

Another low interest card from Citibank is the Citi Diamond Preferred Card. Like the Citi Simplicity card, it also offers enticing introductory APR, which lasts for several months. This card charges no annual fees and provides $0 liability on unauthorized purchases.

Rewards Cards with No Annual Fees

The Citi Dividend Platinum Select Visa Credit Card is one of Citibank’s rewards cards with no annual fees. It also offers good cash back reward on the first month of use provided purchase amount reaches a few hundred dollars. Cash back rewards are also given to those who use the card for car rental and airfare. All other purchases will let you earn cash rebate.

Another Citicard that has no annual fee is the Citi Forward. This card is considered as among the most popular credit cards in the market because of the amazing rewards it offers. The Citi Forward has a ThankYou rewards program, where points—called ThankYou points—are awarded to cardholders. Hefty points can be earned from the program upon sign up, provided you are able to spend at least $650 on the card during the first three months of opening the account. You can also earn points per dollar you spend using the card, specifically when you use it on dining or watching movies. Points are redeemable in the form of merchandise, gift cards, cash, and travel tickets.

Business Credit Cards

One of the most popular Citicard is the CitiBusiness Thank You card. You can get a lot of perks and rewards from the use of this card. The rewards may be redeemed in the form of gift cards, which you can use on your purchases. You may also earn a bonus if you renew your card every year.

AT&T Universal Business Rewards Card is also an excellent Citicard. This one best fits business people or individuals who often use their cards to purchase materials for their businesses. Aside from the ThankYou points it gives to cardholders, the card also offers professional tools and services. You can use this card to gather business information, manage your office and travels, book hotel rooms, and make dining arrangements. This card also lets you manage your account over the Internet on your mobile device. This comes with banking tools and insurance on both auto rental and travel. Your account also provides security and identity theft protection in case you become a victim of fraudulent schemes.