Citi offers consumers a wide range of credit card options. Most Citi credit cards include a combinationof a generous sign-up bonus and the ability to earn varying rewards on purchases. No matter if you’relooking to earn cash back or Citi ThankYou® points, there is a card for everyone.Earning Citi ThankYou® points will give cardholders the chance to earn free travel by transferring themto one of many different travel partners. In addition, Citi also offers several different credit cardshelping you earn American Airlines AAdvantage® miles.
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Some Citi cards have noannual fees and others offer no foreign transaction fees on purchases made abroad. Jump to:. Rewards Credit Cards from CitiHow does a free trip anywhere in the world sound to you?
That is exactly what can happen witha Citi rewards credit card. Citi offers American Airlines co-branded cards, which can help you earnenough AAdvantage miles to fly nearly anywhere imaginable. You’ll also get some valuable perks, likefree checked bags and priority boarding, while flying with American.If you want more flexibility, consider one of Citi’s ThankYou® Rewards cards. With the ability totransfer your points to 15 airline partners, it’s easy to find award tickets to wherever you wantto go. You can also redeem points for hotel rooms, gift cards and more.A simple cashback card is another option. The Citi® Double Cash Card – 18 month BT offer has one of the most competitiverates in the industry.
Plus, it offers a very attractive balance transfer offer. Travel Credit Cards 2 cardsIf you love to travel, but don’t want to be tied down to just one loyalty program, then a general travel credit card might be good for you.
A card like the Expedia® + Card from Citi or Expedia®+ Voyager Card from Citi will offer generous sign-up bonuses and rewards on every purchase. Then you can use your rewards to book any travel-related expense.Over the past several years, airlines and hotels have been frequently devaluing their loyalty programs. This makes it harder and harder to earn free flights and hotels stays through travel. This is why the credit card in your wallet has become so important.
For those that still want to earn free travel benefits, using one of these Citi credit cards is an essential piece of the puzzle. With industry leading sign-up bonuses and generous rewards for purchases, free travel is still a possibility for anyone with a Citi rewards credit card. Compare Citi Credit CardsCiti offers many different types of credit cards.
The hard part is figuring outwhich card is the best fit for you and your lifestyle. Are you struggling with debtand need to transfer a balance to a 0% APR card that has no annual fee? Then theCiti® Double Cash Card – 18 month BT offer might be the right fit. Maybe you have a passion for travel.Then you might want to look into something like the Citi Prestige® Card or Citi Premier℠ Card. Not only will you receive a generous amount of ThankYou® points aftersigning up, but you will have the option to use your points on travel or on thingslike gift cards or cash. All Credit Cards. Business Cards.
Retail Cards. Costco Cards.
Cashback Cards. Travel Cards. Airline Cards. ThankYou Cards. Citi Double Cash Cards. 0% Apr. Hotel Cards.
Expedia®+ Cards.
Citi 1/8The Citi 1/8 means you can only submit one application every eight days, and additional applications will automatically be rejected.For example, if you apply to two credit cards in one day, one of them will be automatically rejected. Wait for 8–9 days before trying to apply for the second card.
Citi 2/65The second Citi rule to be aware of is 2/65: 2 applications every 65 days, any additional applications will automatically be rejected. Tying it all togetherIf you wanted to apply for more than one Citi card, the timeline would look like this:.Application #1 = Day 1 (not impacted by any rules).Application #2 = Day 9 ( to account for 1/8 rule).Application #3 = Day 66 ( to account for 2/65 rule).Application #4 = Day 74 (to account for 1/8 AND 2/65 rules)In practice, the applications should probably be more spaced out, but the dates are used to illustrate the rules.Realistically, you probably don’t want to apply to that many Citi cards in one year because of the bonus rules, which we’ll cover later in the post.
Business cards: Citi 1/90Citi 1/90 only applies to business cards; you can submit one business card application every 90 days.Business cards also count towards the 1/8 AND 2/65 rules. Business and personal cards are separate applications, unlike other banks. Soft rule: Citi 1/60Some people have been affected by Citi 1/60; one application every 60 days, but not everyone.Since people have been able to get around this rule, it may only apply to those who don’t have a banking relationship or a thin credit profile. Soft rule: Citi 6/6You can only have six hard inquiries in 6 months, or else you’ll automatically be rejected. The hard inquiries are not Citi specific. Sign up bonus rules and eligibility.Green = no annual fee.Blue = annual fee (typically $95, sometimes waived in Year 1).Red = High annual fee (typically $450).White circle = no sign-up bonusCiti 24 Month RuleYou can only get a bonus for a specific group of cards once every two years.
The 2-year clock is not based off when you last applied for a card; it’s also based on product changes and card cancellations.Example: If you apply for the Hilton Honors in May 2017, you’ll be eligible to receive another Hilton bonus in May 2019. However, if you product change the card in 2018, it resets the bonus clock, and you won’t be eligible for another Hilton bonus until 2020.The good thing about Citi is you can freely product change cards from different groups. If you have a Costco credit card, you can product change it to a Citi Double Cash card. Optimal strategyApply to no annual fee + no sign-up bonus cards first, then go for the annual fee + high sign up bonus cards later.The other benefit of this strategy is that you are building the foundation for your credit history. Advertiser Disclosure: Some of the card links and other products that appear on this website are from companies which AskSebby will earn an affiliate commission or referral bonus. AskSebby is part of an affiliate sales network and receivescompensation for sending traffic to partner sites, such as CreditCards.com.
This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This site does not include all credit card companies or all available credit card offers.Editorial Note: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airlines or hotel chain, vendors or companies, and have not been reviewed, approved, or otherwise endorsed by any of these entities.AskSebby Disclaimer: Content on AskSebby represents one individual’s experiences and viewpoints, and your experience may differ. The owner of this site is not an investment advisor, financial planner, nor a legal or tax professional.
Articles here are of an opinion and general nature and should not be relied upon for individual circumstances. Research and obtain professional advice regarding all credit decisions before attempting to duplicate any of the techniques described on this website.