Finding the best CITI credit card can be an exercise in patience. There are so many different offers from CITI and issuers that it is difficult to discern which card best suits your financial needs. Before you apply for a credit card, you need to have a clear picture of what you will use the card for and how much you plan to spend.
You need to know what the interest rates will be on the card that you select. If the interest rate is too high or too low for your situation, you may want to reconsider your choice. Many times, when credit card interest rates increase, the reward programs also increase. If you don't care much for rewards, then this doesn't matter. If you do, however, you should take note of the added charges that will make up for the increased interest rate. This will help you determine whether you will be saving money or paying out more in the long run.
The credit card offers from CITI are many, but here are a few of the best ones. First, you should look at the special offers that include air miles. The airlines offer great deals for using these cards on travel. With so many airports around the country and around the world, you should be able to find a great deal on one of these cards.
Another great offer is the one that gives you a 10% cash back bonus. This can make your everyday purchases much more cost-effective. You can use these cash back bonuses for just about anything that you want. So this could be a great card if you travel a lot or if you like to do your grocery shopping with your card.
But what about the other cards offered by CITI? What is the best card for you? Of course, this is going to vary depending on your own personal spending habits. Some people pay close attention to their credit cards and only use them when they absolutely need to. Other people compare their entire financial portfolio to the interest rate that they are paying on their card every month. There are no set rules to follow when deciding which card is best for you.
If you are looking for the best CITI credit card, then take your time and consider everything that is offered. Don't allow yourself to be distracted by the interest rate, or by how many months you have to pay it back before being earns a bonus point. The most important thing to remember is that you are looking for a card that will give you rewards and save you money. There are so many different credit card offers out there that it's easy to get lost in the shuffle. Make sure that you take your time and choose the best card for your situation.