Citi credit card offers - Visa, MasterCard and College Student.

   

AT&T Universal Business Rewards Card
* 0% Intro APR on Purchases for 6 months. After that, 14.24% variable*
* Earn 5 ThankYou Points for every dollar spent on eligible AT&T products and services purchased directly from AT&T*
* Earn 3 ThankYou Points for every dollar spent on purchases at certain office supply merchants, gas stations, and on professional services and 1 ThankYou point for every dollar spent on other purchases*
* Additional cards for employees with credit limits you set
* No Annual fee*

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc

  

   

Citi« Dividend Platinum Select« Card for College Students
* No Cosigner Required
* Earn 5% Cash Back on purchases at supermarkets, drugstores, gas stations, convenience stores & utilities (including cable) for 6 months; 1% thereafter*
* Earn at least 2% cash back in popular rotating categories like restaurants, apparel, hotel and more. Enrollment required*
* Earn a full 1% cash back on all other purchases*

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc

  

   

Citi« Dividend World MasterCard« - $100 Cash Back
* $100 cash back after $500 in purchases within the first 3 months of account opening.
* 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the APR will be 12.99%-22.99% based on your creditworthiness*. This APR will vary with the market based on the Prime Rate.
* 5% cash back on department, clothing, electronics and toy store purchases from 10/1/2011 to 12/31/2011 upon enrollment. Each quarter, you can enroll to earn additional cash back in popular categories. To learn more, visit dividend.quarterlyoffer.citi.com.
* Full 1% cash back on all other purchases and eligible cash advances
* No Annual Fee*

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc

  

   

Citi Forward« Card
* $100 in gift cards - When you redeem the 10,000 bonus ThankYou¬ Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months
* 0% intro APR for 12 months on balance transfers and for 7 months on purchases. After that, 12.99% - 22.99% variable
* 5 points for every $1 spent at restaurants and on books, movies and music.
* 1 point for every $1 you spend on all other purchases
* Want to lower your purchase APR? All you have to do is make a purchase, stay under your credit limit, and pay on time 3 billing periods in a row and we will lower your APR for purchase by up to 2%(0.25% each quarter, 8X maximum)
* No Annual Fee

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc

  

   

Citi« Gold / AAdvantage« World MasterCard«
* Earn 30,000 American Airlines AAdvantage« bonus miles after $750 in purchases within the first 4 months of cardmembership* -- more than enough for a round-trip domestic travel award*
* Earn 1 AAdvantage« mile for every $1 spent on purchases*
* $50 annual fee waived for the first 12 months*
* Reduced Mileage Awards let you travel to select destinations for fewer AAdvantage« miles round trip*

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc

  

   

Citi« Hilton HHonorsÖ Visa Signature« Card
* Earn 40,000 Hilton HHonors Bonus Points after spending $1,000 within 4 months of account opening*
* Earn 6 HHonors Bonus Points for each $1 spent at a participating hotel within the Hilton Worldwide portfolio.*
* Earn 3 HHonors Bonus Points for each $1 spent on purchases at supermarkets, drugstores and gas stations.*
* Earn 2 HHonors Bonus Points for each $1 spent on all other purchases.*
* No annual fee.*

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc

  

   

Citi« Platinum Select« MasterCard«
* 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.
* Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
* Citi« Identity Theft Solutions
* Secure, free online account management
* No annual fee*

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc

  

   

Citi« Platinum Select« Visa« Card
* 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.
* Extra Cash from Citi: enjoy discounts on gift cards, travel, merchandise and more
* Citi« Identity Theft Solutions
* Secure, free online account management
* No annual fee*

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc

  

   

Citi Simplicity« Card
* 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 12.99% - 21.99% based on your creditworthiness.
* Peace of mind through direct access to a service representative, no late fees and no penalty rate
* No annual fee*

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc

  

   

Citi Forward® Card for College Students
* No Cosigner required
* APR reduction on purchases when using credit wisely
* 100 ThankYou Points each billing period that you pay on time and stay under your credit line
* Earn 1,000 points after you sign up for paperless statements within the first 3 months of account opening.

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc

  

   

Citi ThankYou^(SM) Preferred Card - 25,000 points - $250 in gift cards
* $250 gift card - When you redeem the 25,000 bonus ThankYou© Points received after $2000 in purchases within 3 months of account opening.
* Earn 1 point for every $1 you spend on all purchases
* Receive an anniversary bonus every year you're a cardmember
* No expiration and no limit on the points you can earn
* Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
* No annual fee*

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc

  

   

CitiBusiness® World Card
* Designed for businesses with an established credit history
* $100 gift card - when you redeem the 10,000 bonus ThankYou(R) points received after $300 in purchases within 3 months of account opening
* 0% intro APR on Purchases for 6 months. After that, 13.24% variable.
* 3 ThankYou points for every $1 spent at certain office supply merchants and on professional services and 1 point for every $1 spent on other purchases
* Earn rewards for your business expenses, including purchases made on employee cards
* Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
* No annual fee *

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc

  

   

Citi® Platinum Select® / AAdvantage® World MasterCard®
* Earn 30,000 American Airlines AAdvantage® bonus miles after $750 in purchases within the first 4 months of cardmembership* - more than enough for a round-trip domestic flight award*
* Earn an additional 10,000 AAdvantage® bonus miles after $5,000 in purchases during the first 6 months of cardmembership*
* Receive a one-time $100 statement credit for the first eligible American Airlines purchase you make within the first 12 months of cardmembership*
* $85 annual fee waived for the first 12 months*

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc

  

   

Citi® Dividend Platinum Select® Visa® Card - $200 Cash Back
* $200 cash back after $500 in purchases within the first 3 months of account opening
* 5% cash back on fitness club, health care, and utilities purchases from 1/1/2012 to 3/31/2012 upon enrollment. Each quarter, you can enroll to earn additional cash back in popular categories. To learn more, visit dividend.quarterlyoffer.citi.com.
* 5% average cash back at select merchants through Citi Bonus Cash Center®
* Full 1% cash back on eligible purchases and cash advances.
* No Annual Fee*

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc

  

   

Citi ThankYou^(SM) Premier Card - enough for $300 in Gift Cards
* $300 gift card - Redeem 30,000 bonus ThankYou® Points after $1,500 in purchases within 3 months of account opening
* 1 ThankYou Point for every dollar you spend on purchases
* Earn points for the miles you fly when you purchase a ticket with your Citi ThankYou Premier Card.
* No foreign transaction fees on purchases*
* Annual complimentary domestic companion ticket within the continental USA, when booked through our travel benefits provider, Spirit Incentives
* No points cap and no expiration of points

*See issuer for updates/changes to terms, conditions, application disclosure, interest rates, fees, etc

  

  

  

Credit Card Advice and FAQs:

   

Can you buy a car with a credit card? Buying a car with a credit card can make sense, particularly if you're buying a used car or using a credit card for a car down payment. In the event of a used car, if the seller made certain guarantees or offered a warranty which he failed to fulfill, you could easily reverse the credit card charge and thus nudge the seller to cooperate to make the situation right. A credit card down payment can also be reversed and is quite helpful when you are in a take-home test period.

Do I need a credit card? Technology has made life easier, yet has also caused a greater need for credit cards. With mobile phone payments, internet transactions, booking airline and motel reservations, there is an ever-growing place for credit cards. Another need for some people to have a credit card is to build or re-establish credit, because a credit card is a major score factor.

There is an easy way to get a credit card: You browse the internet and take time to compare various credit card offers, you narrow your choices down to one and submit your application. A few days later you receive approval decision: Your credit card application was rejected. Why? Because you selected your card based solely upon your desires, not also considering your eligibility. By answering a few questions about your needs AND credit history, a credit card matching company can show you cards to choose from which you will likely receive approval.

The fastest way to get a credit card is to apply for one which you are absolutely certain you'll be approved for. Typically the lower credit limit, little or no rewards cards, have the easiest approval standards. If you are not aware of the score necessary for acceptance, you can use a credit card pre-qualification company.

Is there a company that will help find a credit card for me? Yes. Simply answer a few questions regarding your credit profile and the type; or types, or credit cards which interest you, and the credit card match service will present you with card offers for you to compare and to choose from. The higher your score, the more credit card offers you can choose from and qualify for. This credit card service is especially helpful for those people who are unaware of what score ranges are needed for certain credit cards. Card matching services are also helpful to those who it's their first time getting a credit card.

Can I get a credit card without a job? Some credit card companies will issue credit cards for unemployed people, provided they have some other routine, reliable source of income such as a retirement pension. Some may also approve disabled applicants who receive Social Security Disability payments.

What is the lowest credit score to get a credit card? In order to determine what credit score is needed to get a credit card application accepted, you need to compare the card to others. Cards with higher limits, greater rewards and points, low APR or 0 introductory periods, most always have greater credit score requirements. Whereas a pre-paid debit card offers no credit check and thus does not require good credit scores, a rewards card with a $10,000 limit and low APR demands much higher ratings.

Is not activating a credit card bad? Not activating a credit card is almost as if you don't have a credit card at all, if the issuer requires you to first activate the card before you can place charges on it. Until then, you do not have a line of credit to help improve your credit score. So opening a credit card and not using it is much like having never applied in the first place.

What are the qualifications for a credit card application approval? Qualifying for a credit card is primarily subject to the type of credit card you're applying for. Obviously those high limit and high rewards credit cards require greater approval standards than regular credit cards with low limits and no; or very limited, rewards.

Get cash from a credit card - How to take a credit card payment from someone: You could use PayPal to provide merchant services for a small fee. This way if someone owes you money and has only a credit card, you and the other party could create your own separate PayPal accounts. As the Seller, you'll need only to provide a bank checking account to have the money transferred from the other person's credit card to you. The Buyer; the party who owes you money, will need to sign up for a credit card account. Then you; as Seller, would request funds from the Buyer. Another option is for the person with the credit card to make a purchase at a retail store, then request extra cash back from the credit card transaction.

Using a debit card as a credit card: Debit cards can be used just like credit cards, with the only exception that debit cards typically do not have a line of credit. But, if you obtained your debit card from your bank and the card is attached to your checking account, the bank may offer a small credit limit or an 'overdraft protection' limit which is a temporary credit line. You would have to repay the advance to avoid running up fee and/or interest charges.
 

 

Credit Card Comparisons & Matching - Many people around the world suffer from a bad credit history, and some do not know what is a good credit card to help build credit, and wonder will a secured credit card help or hurt?

Where can I get help choosing credit card offers and to pick out a credit card that matches my credit? Fortunately there are card options designed specifically for people with past credit issues so it's relatively easy to obtain credit card offers to compare. One advantage is to use a credit card comparison site, as it can provide a credit card search by credit score. When you have less than average credit, you want to use a site which specifically offers a credit card finder for bad credit people.

Which credit card locator can help me find a credit card to establish credit? People just starting out with no credit history should also refer to a credit card research site which contains offer for poor and no credit scores. They can help match you with the credit card or prepaid card which meets your credit profile.

Sub-prime unsecured credit cards: Many of these can assist you in building or rebuilding your credit. Although most of these do not have guaranteed approval, acceptance is more likely with one of these cards versus a rewards credit card.

Secured credit cards: These are also good options for establishing or re-establishing credit, provided the issuer reports to at least one major credit bureau.

Prepaid and debit cards: These cards typically have guaranteed approval and are similar to a traditional checking account. Check with the issuer to see if it reports to a major credit bureau.