If you are like most people then the only place that CITI credit card sign up bonuses interest you is on the periodic statements provided by CITI for your purchases. Many of us find this a little boring and unappealing and the answer to this problem is to sign up for CITI's credit cards that offer sign in bonuses which can be used towards savings, cash back and other incentives and benefits offered by CITI. Signing up for multiple CITI credit cards is an excellent way to build a credit history and a solid credit rating, while at the same time allowing you to choose how and where you shop. In addition to CITI credit cards there are also many other credit card companies offering incentives such as travel miles and cash back rewards on many of their products and services.
The key benefit of CITI credit cards is the cash back and rewards programs. When you use your CITI credit card to make purchases online or through an agent, you will earn points that are good for cash back or discounts at stores. If you know you are going to be using your credit card on a regular basis, then it is probably best to select CITI credit cards that have the longest cash back and rewards programs available to you. However, if you only plan on using your card occasionally, then selecting those that offer less cash back rewards may be better for your needs.
For frequent shoppers like me, the greatest reward of CITI credit cards would be the ability to earn and use so much more thankyou points. CITI offers credit cards with up to fifty thousand points or one hundred thousand points (the highest) that can be used towards merchandise, airlines tickets, resorts, hotels, car rentals and so much more. CITI credit cards usually have the most perks and the most attractive rates for travelers than any other major credit card company. The great thing about CITI rewards programs is that when you use your points to pay for your expenditures, you earn not just cash back, but also free airline tickets, or free or discounted hotel stays, etc.
CITI credit cards usually have a special first come, first served sign up bonus system. When you enroll in your CITI credit card account, you will normally receive a discount or a free plane ticket upon signing up. After your first 3 payments of at least five hundred dollars each, you will then qualify to receive one of these tickets every month, or if you pay your monthly bill by direct deposit, you will automatically receive one payment directly deposited into your account.
If you don't have a lot of money to invest or you are looking to get a credit card for emergencies only, then the first three payments you make to your CITI account will earn you nothing but the interest rate on the amount you have saved. Therefore, the first three months of being a CITI member will be your only period of time where you can accumulate points and use them for emergency purposes. After the third month, if you haven't met the minimum spend requirement that prevents you from receiving bonus points, then you will be forced to pay an annual fee that will cost you twenty-one dollars. The annual fee . . . . . . is actually the CITI company's way of protecting itself because if you decide to use your points for unimportant purchases, then you will incur more debt, which is definitely a loss for the company.
CITI credit cards have several options. There is the Preferred Rewards Option (PRE), where you can choose from a variety of rewards programs such as cash back rewards, air miles per dollar, and many other incentives. The Rewards program can be altered whenever you wish, depending on your personal spending needs. The Premier Rewards Option includes the same cash back rewards, however you will get additional services such as hotels, car rentals and tours, and more. Finally, the Diamond Rewards Deal allows you to receive an extraordinary rate on merchandise such as televisions, exercise equipment, home appliances, dining room sets and more. At the end of the day, it is up to you to choose which benefits and incentives from CITI are most important to you.