One of the things you should always consider whenever you want to apply for a credit card is the credibility of the credit card issuer. A lot of companies now issue credit cards. But if you are looking for a company that offers different choices of credit cards, then Citibank should be your go-to.
Presently, Citibank is one of the biggest credit card issuers as they issue tons of different credit cards to suit users’ needs. It offers rewards credit cards, 0% intro APR credit cards, balance transfer credit cards, travel credit cards, small business credit cards, and many more that will suit your needs.
There is no doubt that a lot of us are familiar with credit cards and how to use them. A credit card is a thin rectangular plastic card issued by a bank or company that deals with financial services.
The card, however, enables its holders to borrow funds that they use to pay for goods with people that accept cards as a payment method. While the Citibank credit cards are the same cards, they are issued by Citibank to their bank users, customers, and account owners.
It is very important that you apply for a Citibank credit card. One unique thing about Citibank credit cards is that not only do you get to choose and customize your kind of card. You also get a lot, which includes exclusive perks and benefits to reward your spending.
Best Citibank Credit Cards
As earlier mentioned, there are different types of credit cards offered by Citibank, and each of these cards has its own unique features and benefits. There are thirteen of these cards. Here, we’ll walk you through some of our top picks for Citibank credit cards to apply for in 2022;
Citi Custom Cash Card
Citi Custom Cash card is one of the best Citibank credit cards you can apply for. When you get this card, you also get the ability to earn and redeem rewards. With this card, you can earn extra money in the eligible category you spend the most in each billing cycle.
In addition to that, you would also enjoy a low APR on new purchases made. And also, the balance transfers you do for the first year and three months as a new card owner. And no annual fee is attached to this.
Citi Double Cash Credit Card
This card is also really great but different from the custom cash card. With this card, you get to earn 2% on purchases with 1% cashback when you buy anything. And as you pay, you also get an extra 1%. Besides, there are no caps on any cashback you get.
There are also no categories to track, and all your rewards will be redeemed for a statement credit, direct deposit, or even a check. There is also no annual fee when you apply for this card. So, you should get your own card and have fun using a Citibank credit card.
Citi Simplicity Credit Card
The Citi Simplicity Credit Card is a no annual fee card. It offers a low introductory APR on both purchases and balance transfers. In addition, you won’t incur a fee for late payment or penalty APR. On the contrary, it does not offer any rewards and you’ll have to pay a balance transfer fee of $5 of the transferred balance.
Citi Diamond Preferred Credit Card
As a new user that has chosen this type of card, just like the other two above-mentioned types of cards, there are features and benefits attached to this card. As a new customer, this Diamond preferred card offers a low intro APR on both purchases and balance transfers.
This then gives you time to pay down your debt without adding additional interest charges. All you just need to do is apply and transfer your other high-interest balance to this card, then enjoy a low-interest lifestyle. These are some of the cards you can get from this bank. Though there are still about ten more of them.
They include: Costco Anywhere Visa, Citi rewards, Citi premier, Citi Simplicity, Secured Mastercard, AAdvantage Platinum Select World Elite Mastercard, American Airlines AAdvantage Mile Up Mastercard, AAdvantage Executive World Elite Mastercard, and AAdvantage Platinum Select Mastercard. To see more about these cards, visit https://www.citi.com/credit-cards/compare/view-all-credit-cards.
How to Apply for Citibank Credit Cards
Applying for a Citibank credit card is very easy to do. All you just need is to have an active internet connection and some of the other requirements you will find on the site. With those, you can now apply for a credit card. Here are steps on how to apply for a card below:
- Visit the Citibank Credit Cards page.
- Select a card of your choice.
- Click on the apply button.
- Enter the required information.
To complete this, you should follow the onscreen instructions. Then, in minutes, you are done applying for your card. In conclusion, Citibank cards come with two primary rewards, which are Thank You and Simplicity.