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4 best Citibank credit cards for different needs

4 best Citibank credit cards for different needs

Your search for the best credit cards for multiple purposes can end at Citibank’s credit card options. There is a variety of card for those looking for travel rewards, cash back, or an everyday card without an annual fee. Citibank is among the top issuers of credit cards in the nation with a wide range of cards that fulfill the needs of all types of consumers. Some credit cards by Citibank have no annual fees, 0% introductory rates, and excellent rewards.

Although there is a wide range of credit cards offered by Citibank, here are some of the best credit cards by Citibank that you can choose from depending on your specific needs.

  • Credit card for balance transfer – Citi Simplicity® Card
  • Credit card for travel purchases – Citi ThankYou® Premier Card
  • Credit card for American Airlines flyers – Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard®
  • Credit card for students – Citi ThankYou® Preferred Card for College Students

Credit card for balance transfer
The Citi Simplicity® Card comes without any late fees ever. The APR is between 15.74% to 25.74% depending on the creditworthiness of the credit card holder. There is a 0% introductory APR for the first 18 months. For balance transfer, the introductory APR is again 0% for the first 18 months since the first transfer when the transfers are done within 4 months of getting the account opened.

There is a balance transfer fee that is levied after the no fee period is over. The amount is either $5 or 5% of the amount that is being transferred.

This card can be beneficial for the credit card seekers as there is no penalty rate, and no annual fee, ever. There are several benefits for the cardholder that can be looked up by contacting the bank.

Credit card for travel purchases
The Citi ThankYou® Premier Card can be one of the best choices for those seeking a credit card for their travel purchases. The rewards with this card are some of the best rewards in the market. Cardholders get rewards on their travel expenditure and other bonus spending categories, a sign-up bonus, and benefits such as no fee on a foreign transaction.

The annual fee of $95 is waived off for the first 12 months. The APR is between 16.24% to 25.24%. Unlike the Simplicity Card, there is a penalty APR of up to 29.99%. The balance transfer fee is 3% of the amount of balance being transferred or $5, whichever is higher.

This card can be the best credit card by Citibank for those who travel frequently and wish to redeem their rewards for their frequent flights.

Credit card for American Airlines flyers
For the frequent flyers of American Airlines, the Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® is the best choice.

The Annual fee of $99 is waived off for the first 12 months. The penalty APR is up to 29.99% on a variable rate basis, and the balance transfer fee is either 3% of each transfer or $10 minimum. There is no foreign transfer fee levied on the cardholder.

There are many new benefits for the cardholders of AAdvantage Platinum Select World Elite Mastercard that include earning 2 miles for every $1 spent on a gas station and earning 2 miles for every $1 spent on any eligible American Airlines purchases. There are many new benefits that can be checked on the official website of Citibank.

Credit card for students
If you are a college student, getting the best credit card by Citibank can be a good move toward building a great credit score that can benefit your future loans and purchases. There is a sign-up bonus that students get with the ThankYou® Preferred Card for College Students credit card. The APR is 0% until the first seven months, and after that, the APR is between 16.24% and 26.24% on a variable basis.

Penalty APR is up to 29.99% and the balance transfer fee is 4% of the amount being transferred.

Each card mentioned above has several other benefits that can be learned about from the official website of Citibank. More options on credit cards are available on the website as well.