Citi Bank offers 16 types of credit cards that are categorized in different categories including cash back, Aadvantage, ThankYou, Diamond, Expedia, Hilton and secured cards. Citi Simplicity is a standard credit card that offers 0% interest fee for up to 21 months. The normal APR rate of between 13.24% – 23.24% following the introductory period will depend on your credit score. The card can be used to perform balance transfer and the fee for each transfer is $3% or a minimum of $5. City Simplicity does not have any annual fee and it comes with features like identity theft, car rental insurance, extended warranty, zero liability for unauthorized charges.
Citi Double Cash card is cash back card that offers twice cash back on all your purchases which is 2% cash back of the initial 1% cash back you receive on all your purchases. The card provides an 18 months 0% intro APR introductory period for balance transfer. You only earn cash back on your purchases and not with balance transfers. If you want to qualify for the 0% intro APR for balance transfer, it is required that you transfer the balance within a period of 4 months. Citi Double Cash card does not have annual fee.
Citi Bank offers four Aadvantage Master credit cards including Platinum Select, Executive World Elite, Platinum Select World and Gold. Both Aadvantage Platinum Select card and Platinum Select World Mastercard allows you to earn 30,000 bonus miles if you spend $1,000 within a period of 3 months. Both cards charges an annual fee of $95 but you don’t have to pay for the annual fee in the first year. Aadvantage Executive World Elite rewards you with 50,000 bonus miles when you have spent $5,000 within the first 3 months. The card’s annual fee $450 which can be expensive. Aadvantage Gold Mastercard rewards customers with 25,000 bonus miles for spending at least $750 in 3 months after opening the account. The annual fee for Aadvantage Gold Mastercard is $50.
Citi Bank also offer four Thank You credit cards. Citi ThankYou Preferred card offers 0% interest rate for 15 months and the annual fee is waived. With the Thank You Preferred Card, you get to earn twice ThankYou points when you shop in the restaurant and entertainment categories. Citi Premier Card rewards you with 3 points on each dollar spent on gas and 2 points on each dollar spent on restaurant and entertainment. Other categories of purchases will receive 1 points rewards for every dollar spent. The annual fee for the Citi Premier Card is $95.
Citi Prestige Card offers 3 points for air ticket and hotel accommodation, 2 points for dining and entertainment and 1 point on other categories of purchases. The card offers 50,000 points that is equivalent to a $800 American Airlines air ticket when you spend at least $3,000 in 3 months. If you don’t want to redeem for American Airlines, you can use the points to redeem a $665 air ticket on other airlines and $500 gift cards. Citi Thank You Preferred card for students offers 2,500 bonus points for a minimum spending of $500.