All about: Citibank cards

Citibank is a major international bank and part of Citigroup, a giant financial services organisation. It offers a wide variety of financial products including insurance, investments and credit cards. This article describes the popular personal Citicards.

Most popular personal Citibank cards (as at July 2011)

Citi Platinum Visa Signature (Select AAdvantage) card A frequent flier CitiBank card that rewards users with 30,000 American Airlines AAdvantage bonus miles if they make purchases worth at least $750 in the first four months. Users accumulate one mile per dollar spent and no black-out dates for travel on select airlines. An $85 annual fee is applicable after 12 months. The annual APR is 15.24% and balances cannot be transferred to this card. Citi Thank You Preferred Card Great for regular card users. It rewards users with 10,000 Thank You points when they make $500 worth of purchases within the first three months. It rewards users with five Thank You points for every $1 spent on fuel, supermarkets and chemists for the first 12 months, and from then on, they get one point for every $1 spent. The Thank You points have no expiration date. It does not charge an annual fee and features 0% APR for 12 months on purchases and balance transfers. The rate switches to 12.99% and 20.99% thereafter. Citi Dividend Card A cash-back card that rewards users with $150 cash-back for $750 spent in the first three months. Thereafter, the cash-back is 1% on purchases. Additional special offers are often announced. There’s no annual fee and features 0% APR for 12 months on purchases and balance transfers. The rate switches to 12.99% and 20.99%. Citi Forward Card A rewards card that gives 6,000 bonus points for $600 spent on purchases. Thereafter, users earn five Thank You points for every $1 spent on restaurants and entertainment, and one Thank You point for every $1 spent on other purchases. There’s a 2% purchase APR reduction if the user stays within credit limits and pay more than three bills in a row on time. No annual fee is charged and the APR is 0% for 12 months on purchases and balance transfers. From then on, it varies between 12.99% and 20.99%.

Other personal Citibank cards

Aside from these cards, Citibank (in the UK and the US) also issues the following personal cards: Citi Platinum Select MasterCard 0% APR on purchases on balance transfers for the first 12 months and no annual fees. Citi Simplicity Card – 0% APR on purchases up to 21 months. The following cards combine the elements from the cards above, and feature higher fees: -Citi ThankYou Premier Card -Citi ThankYou Prestige Card -Citi Select/AAdvantage American Express card -Citi/AAdvantage American Express card