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Citibank Credit cards for february 2024

Apply for a Citibank Credit card. On 27.02.2024 you have access to 23 credit cards. Increase your chances of getting money — fill out a multi-application with a free credit rating check.
Offers: 23
Updated:
20.02.2023
05:47
BEST CREDIT CARD FOR GAS
Citi
Citi Custom Cash Card®
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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Rate
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Effective interest rate on the product

18.24 – 28.24 %
Citi
Citi® / AAdvantage® Executive World Elite Mastercard® Credit Card®
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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1000
Citi
Citi® / AAdvantage® Platinum Select® World Elite Mastercard® Credit Card®
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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Submit your credit card application online
Submit your credit card application online

Take advantage of our credit card selection system with a free credit check!

Citi
Citi Premier®
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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Rate
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Effective interest rate on the product

20.24 – 28.24 %
Citi
Citi Simplicity® Credit Card®
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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Rate
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Effective interest rate on the product

18.24 – 28.99 %
Citi
Citi® Diamond Preferred® Card®
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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Rate
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Effective interest rate on the product

17.24 – 27.99 %
Citi
Citi® Double Cash Credit Card
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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from 28.24 $
Rate
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Effective interest rate on the product

to 18.24 %
Citi
Citi Rewards+® Credit Card®
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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Citi
Citi® Secured Mastercard® Credit Card®
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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300
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Citi
CitiBusiness® / AAdvantage® Platinum Select® Mastercard® Credit Card®
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

Recommended FinScore™
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Credit Card Online Application of February 2024

Define the conditions and choose an appropriate bank card

Card limit
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Specify the loan term for the calculation

500 $
15000 $
$
Konstantin T
Your data is securely protected
CreditFresh
4.8
The application process was a breeze, and I received a response within minutes. This straightforward and prompt procedure proved to be a great help to me during a crucial time of need.
Review
JG Wentworth
4.6
The assistance I received was exceptional. My representative handled my case with care and provided all the necessary information...
Review
OneMain Financial
4.4
The loan application process was straightforward, and the representative I interacted with displayed patience, provided informative answers, and was quite pleasant throughout...
Review
My Funding Choices
4.6
The process was swift and straightforward, which was particularly helpful during a time when, despite my reluctance to seek assistance, I genuinely needed help.
Review
Plain Green Loans
2
The interest rate is shockingly high, and it feels like taking advantage of individuals facing financial challenges when unexpected expenses arise...
Review
Advance America
4.6
I have never encountered any issues with this company. They consistently deliver funds on time, and the repayment process is straightforward...
Review

Types of credit cards 

Citi Simplicity® Card

The Citi Simplicity Card has a lengthy introductory APR period for balance transfers, but there's a catch: a 5% fee (minimum $5) is charged for each transfer. There is a generous introductory APR period for all purchases. If you plan to carry a load for an extended period, this is a card to consider because there is neither a rewards program nor a welcome bonus.

Citi® Double Cash Card

The Citi Double Cash is a popular choice for consumers who desire a set-it-and-forget-it credit card due to its straightforward cash-back structure and lengthy introductory APR offer for transferring balances. It comes with no annual fee and provides a competitive cash-back rate on purchases and a promotional 0% APR period on balance transfers.

Citi® Diamond Preferred® Card

People wishing to gradually consolidate their debt and pay it early would benefit from the extended introductory offer on balance transfers. There is no yearly charge, adding to its low price, and it has a high balance transfer charge and few other incentives.

Citi Premier® Card

The card may be suitable for road warriors and frequent travelers due to the three points earned for every dollar spent on various travel necessities and at fueling stations. Anyone planning to carry a balance should seek elsewhere, as the card has a high APR and no introductory APR offer.

Citi® Secured Mastercard®

If you want to improve or establish your credit history, the Citi® Secured Mastercard® is a no-frills alternative to consider. It doesn't offer any perks as some other secured credit cards do, but it also doesn't charge the high costs that some of them do. If you make your payments on time for 18 months, you may be eligible for an unsecured card. Avoid carrying a balance if you want to keep your interest rates low.

Citi Rewards+® Card

Citi Rewards+® Card is an everyday-use card for less-than-$100 buys. Citi rewards all purchases to the nearest 10 points. For every dollar you spend, you'll get the point back. Earn more rewards with a higher earning rate on supermarket and gas expenditure up to a $6,000 annual ceiling and a 10% yearly redemption incentive (on up to 100,000 redeemed points).

Pros and cons

Pros

  • Beneficial for significant purchases or consolidating debts

  • No recurring costs

  • No fees or penalties for being late

  • Low introductory APRs

  • Flexible travel redemption options.

Cons

  • A cost on transactions in foreign currency

  • Charges for transferring a balance

  • A high annual percentage rate of penalty.

Main requirements

After you have selected the credit card you will use, the next step is to assemble all the required documentation for your credit card. These will be standard documents, such as:

  • Proof of age. Most times, you will be required to present a second form of identification to satisfy age requirements and safety concerns. Cardholders must be at least eighteen years old. Therefore, if you are applying for a card before you reach that age, ensure your identification is up to date.

  • Financial documentation. Even if you simply need to state your gross income on the application, it is still a good idea to have proof of income documentation.

  • I.D. verification. To protect yourself against fraud and establish your identity, you will need a truncated taxpayer identification number (TIN) or a social security number (SSN).

How to apply for a card

A credit card application is a multi-step procedure, so it's best to be prepared. There are only a few procedures involved in applying for a credit card:

  1. You should look at your credit rating. The required minimum credit score to get approved for a particular credit card will vary among the various cards. Secured credit cards, for example, may not have any credit score requirement.

  2. Think carefully about which credit card you want to apply for. Find the card that suits your needs based on your credit score after obtaining it. There are two primary categories of credit cards: secured (like student cards) and unsecured (like rewards cards).

  3. Have a look at your preapproval status. Card issuers use preapproval offers to locate new customers, often advertised by email and snail mail.

  4. Check out the Credit Card Application Requirements. Once you've settled on a credit card, you'll need to assemble the card's supporting paperwork.

  5. Before applying for a credit card, read the fine print. Standard credit card terms and conditions are included on every application. Before moving forward with the application process, ensure you fully understand these terms, including the interest rates, repayment terms, and default situations. You wouldn't want to use the card for six months before discovering an unexpected increase in interest.

How to pay off a debt

You are able to pay the bill for your Citibank credit card in a number of different ways: online, through the Citi mobile app, or by calling (800) 950-5114. You also have the option of paying off your Citi credit card by visiting a local bank or mailing in your payment.

FAQ

What credit bureau does Citibank use?

Citi will pull a report from Experian most of the time. Still, there is no assurance that they won't decide to pull a different or additional report from another reporting agency. Experian is the source that Citi will draw a report from the most frequently.

 

What are Citibank credit cards benefits?

When you use your Citi credit card for purchases, you will earn points you may later redeem for various rewards. You can spend your money on traveling, shopping, eating out, or getting cash back for an emergency.

Where are Citibank credit cards accepted?

Over 200 nations worldwide accept Citi cards, making it possible to purchase at practically all locations that accept credit cards. This is because all Citi credit cards, except certain closed-loop retail cards, are affiliated with either the Mastercard or Visa card network.