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A Review of Popular Citi Cards

Citi cards are among the top credit cards used by people in the United States. There is a range of these cards to choose from, depending on what you will be using the card for. Basic credit cards are available that come with or without a reward system. Those that offer flyer miles, cash back, and points systems are also available. Citi has cards for college students and small businesses as well.

Citi Platinum Select Mastercard

The Platinum Select Mastercard is among the most common Citi cards that are applied for. The features of this card make it a suitable line of credit for those seeking their first credit card. The card boasts a 0% APR on purchases for 12 months, as well as 0% APR on balance transfers for 18 months. There is no annual fee associated with this card. The APR after the initial period is based on your credit rating, and ranges from 12% to 20%. There is also a statement credit perk available with this card, if you are approved and make $30 in purchases within the first 3 months.

Citi Forward Card

The Citi Forward Card is a popular choice among those seeking a credit cards with a basic rewards system. The card features no annual fee and a 0% introductory APR (annual percentage rate) for the first 7 months of the account. The APR will then rise from 13% to 20%, depending on how good your credit is. Citi Forward offers a points system that will allow you to redeem the points for cash back and merchandise. You can earn 6000 points if you charge $250 to the card within the first 3 months. You also earn 5 points for every $1 spent on qualified purchases.

Citi Select AAdvantage American Express/Mastercard

The Citi Select AAdvantage card is available to be backed by American Express or Mastercard. Both Citi cards offer the same incentives, so choosing which company will backed the card can be done on preference. The cards come with an annual fee of $85, which may not beneficial for someone who does not fly frequently. However, it may be worth the fee if you travel with American Airlines on a regular basis. New cardholders can receive 30,000 bonus miles if they make $750 in purchases using the card within the first 4 months. They are also eligible for 1 mile for every $1 spent on certain purchases.

It is important to look over all the Citi cards before making your decision on which to apply for. Some offer special incentives that may entice you to apply for them, but it is recommended that you learn as much as you can about the card before submitting your information.

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