Best Citibank Credit Cards of Summer, 2013 Ranked by Creditnet.com
San Diego, California (PRWEB) July 11, 2013 -- Citibank has long been one of the strongest and most popular major credit card issuers in the business, so it should come as no surprise to consumers that summer, 2013 features some excellent offers for a variety of consumers.
Whether consumers are most interested in earning cash back rewards, making a zero interest balance transfer to a new card, or establishing credit with a student credit card, the cards below are the very best offered by Citibank in the summer of 2013, as ranked by the online credit card authority Creditnet.com.
Best Citibank Card for 0% Interest: Citi Simplicity® Card
The Citi Simplicity® Card is easily one of the best 0% credit cards available this summer. The interest-free introductory period of 18 months applies to both new purchases and balance transfers alike, though consumers should note that the balance transfer must be initiated within the first 4 months of account opening.
This is also an excellent card to carry for consumers who hate fees. Cardholders pay no late fees, no penalty rates and no annual fee - ever - with the Citi Simplicity® Card. Once the introductory offer expires, cardholders will receive an ongoing variable APR between 12.99 and 21.99 percent based on creditworthiness.
Along with the Citi® Diamond Preferred® Card, Citi Simplicity® boasts the longest 0 percent intro offer applied to purchases and balance transfers of any US card on the market today. That alone makes this card Creditnet's pick for the best 0 interest credit card of the summer.
Best Citibank Card for Cash Back: Citi® Dividend Platinum Select® Visa® Card
This cash back card is regarded for its bonus cash back opportunities as much as its long-term cash rewards potential. First, new cardholders can earn $100 cash back after spending $500 in purchases within the first three months of card membership.
In the long run, cardholders can earn up to $300 per year in cash back, including 5 percent cash back on eligible purchases that rotate quarterly with enrollment, and 1 percent cash back on all other purchases.
It doesn't hurt that this card also offers a 0% interest introductory period of 12 months applied to new purchases and balance transfers, plus no annual fee. Overall, this is Creditnet's favorite cash back offer from Citi.
Best Citibank Card for Students: Citi Forward® Card for College Students
An excellent credit card for college students hoping to build credit while earning cash back this summer, the Citi Forward® Card for College Students offers a 0% intro APR on purchases for 7 months. Students can earn 5 ThankYou® Points for every dollar spent on student-friendly categories like restaurants (yes, fast food is included), books, music and movies. Students earn 1 point for every dollar spent on all other purchases.
However, it's the rewards students can earn just for using this card responsibly that make the Citi Forward® Card for College Students one of the best to carry on campus. Cardholders can earn 100 bonus ThankYou® points at the end of every billing cycle in which the minimum payment or more is made on time, enough for 1,200 bonus ThankYou® points over the course of a year. Plus, cardholders can reduce their purchase APR by up to 2% (0.25% each quarter, a maximum of 8 times for up to 2%) when they make a purchase, stay under the credit limit and pay on time for 3 billing periods in a row.
No card offers more rewards for students learning to use credit responsibly than this student offer from Citibank.
Best Citibank Card That Has It All: Citi ThankYou® Preferred Rewards Card
Finally, this all-around credit card from Citibank has it all, including:
-Bonus Cash: Cardholders earn 15,000 bonus ThankYou® points after $1,000 in card purchases within 3 months of account opening - enough for $150 in gift cards. There's also no points cap or expiration.
-0% Intro Offer: The 12-month introductory offer of 0% interest applies to both balance transfers and purchases. After that, the variable APR ranges from 12.99% to 22.99% based on creditworthiness.
Overall, the Citi ThankYou® Preferred Rewards Card is the Citibank Card of summer, 2013 that offers a little bit of everything for consumers who qualify.
For more information on summer credit card offers, contact Creditnet Vice President Jason Bushey on Google+.
Jason Bushey, Creditnet, http://www.creditnet.com, 858-454-5900 10802, [email protected]
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