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Credit card/account transfer
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In addition to offering a number of travel credit cards, advertising partner Citi® is also one of the industry leaders when it comes to stable balance transfer cards. The two things consumers want most from Balance His Transfer his card are low fees and long transfer periods. Citi offers many excellent cards in this area.
Some of Citi’s balance transfer cards offer additional benefits, so it’s worth taking a look to see which one best suits your needs. Let’s take a look at the Citi balance transfer card.
Best for: Long-term balance transition period with 0% annual interest
The Citi Diamond Preferred Card is pretty straightforward when it comes to perks and rewards. Simply put, if you’re looking for one of the longest term 0% purchase and transfer APRs available, you’ll be hard-pressed to find a better card than the Citi Diamond Preferred Card.
For the first 21 months after opening a card account, there is a 12-month 0% APR period on all purchases, and you can enjoy 0% APR on balance transfers. April. This means you can’t transfer balances and pay interest over 50% longer than most balance transfer cards.
Plus, the card has no annual fee, making it a great way to keep interest costs and overall costs down. The card does include some minor extra benefits like access to free FICO scores and access to city entertainment events, but the main reason to get this card is its 21-month It is to use the introduction balance transition period.
Best for: thank you point
Rewards come in many forms and some customers prefer Citi’s unique ThankYou Rewards points as their currency of choice. If you want to rack up your ThankYou Rewards points, the Citi Rewards+ card is worth a serious look..
The bonus category of this card isn’t very high, but the card has no annual fee, so it’s a worthy addition to any stable credit card.
Specifically, the Citi Rewards+ card gives you double ThankYou Rewards points at grocery stores and gas stations. First $6,000 of the year — 1 point per $1 thereafter and 1 point per $1 on all other transactions. Also, all purchases are automatically rounded up to the nearest 10 point increment.
However, the maximum points may come from the two bonuses you earn. When he first spends $1,500 in three months of owning the card, he gets 20,000 bonus points as a sign-up bonus. Plus, earn 5x ThankYou points on restaurant purchases worth up to $6,000 in the first 12 months.
The Citi Rewards+ card offers 0% introductory APR on purchases and balance transfers for 15 months.APR is then .
City Simplicity® Card
Best for: Avoid Fees
The Citi Simplicity Card is one of the few cards on the market that can accommodate the Citi Diamond Preferred Card’s 21-month introductory balance transition period. It also aligns with the Citi Diamond Preferred Card’s 12-month introductory APR period. After an introductory period of 0% p.a., the Citi Simplicity card p.a. varies from 17.74% to 27.74%.
However, what makes this card particularly attractive to many cardholders is the lack of late fees or penalty interest. In addition to having no annual fee, this card makes it one of the most cost-effective cards on the market.
This card has some additional small benefits common to many other cards, such as access to FICO credit scores, flexible payment date options, and $0 liability for fraudulent charges.
Suitable for: Full cashback
The Citi Double Cash Card is aptly named as its main benefit is a 2% cashback rate valid for all purchases. The payment structure is not that simple. When you shop with your card, you actually get 1% cashback, and when you pay your bill, you get his next 1% cashback. However, most responsible cardholders pay their bills, so the card basically gives the user his 2% cashback on everything.
The card comes with some extra perks like 18 months 0% APR on balance transfers only (not on purchases). April.
Since it is a card with no annual fee, the return rate is 2%, which is quite profitable.
Suitable for: Cashback on specific categories
Many cardholders use cash-back credit cards, but find it difficult to know which category of purchases to make to maximize their benefits. The Citi Custom Cash Card offers 5% cash back on your top eligible spend categories for the month, up to the first $500 of your monthly spend and 1% on everything else We take the guesswork out of it by offering cash back for .
For example, if you’re renovating your home and spent the most money in the home remodeling category in a month, you’ll get 5% cashback on the first $500 you spend in that category that month . After the renovation is done, you may end up spending the most money on groceries. Then you’ll get 5% cash back on your first $500 spent on groceries.
This is a great system that rewards you for how much you actually spend without having to do the math yourself, all with no annual fees.
The card also offers a decent sign-up bonus of $200 cash back for just spending $1,500 within 6 months of opening an account. If you’re looking to transfer your balance, the Citi Custom Cash Card also offers 0% APR on balance transfers and purchases for 15 months.APR is then .
Cynthia Measom contributed reporting for this article.
Prices are subject to change. Prices are updated periodically unless otherwise stated. All other information regarding your account is accurate as of October 10, 2022.
Editorial note: This content was not provided by the organizations featured in this article. The opinions, analyses, reviews, ratings, or recommendations expressed in this article are those of the authors only and have been reviewed, endorsed, or otherwise endorsed by the bodies named in this article. Not a thing.
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