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0% APR on Purchases for up to 12 months. No Annual Fee. Earn 1 point for every $1 you spend. Low Balance Transfer APR - 2.99% Fixed APR for first 12 months. Earn points that can be redeemed for gift cards, travel, merchandise, and unique entertainment experiences. Membership Rewards Expressฎ program.
0% Intro APR on Purchases and Balance Transfers. No Annual Fee. 5% Cashback Bonusฎ in categories that change like travel, home improvement stores, gas, groceries, restaurants, movies and many more. Up to 1% Cashback Bonus on all other purchases automatically. Turn your Cashback Bonus into bigger rewards everytime when you redeem for gift cards from over 100 brand-name Partners. Unlimited cash rewards. $0 Fraud Liability Guarantee.
No annual fee
Free online bill pay
MasterCard Travel Assistance Services
24-hour assistance with Lost or Stolen Cards, Emergency Card Replacement and Emergency Cash Advances
Master RoadAssist Roadside Service
0% APR on Balance Transfer for up to 12 months. No Annual Fee. 10,000 bonus points after $300 in purchases made within 3 months of account opening - enough for a $100 gift card. 1 Point for every $1 spent on purchases. 1 Point for every 3 miles you fly on any airline. 1 Point for every 3 miles flown by anyone else whose tickets you buy with the card. Unlimited Companion travel. Redeem for flights on any airline with no blackout dates. Balance transfer fee applies with this offer.
0% Intro APR for 12 months. No Annual Fee. 1,000 Bonus Points with your first purchase. Earn 1% Cash Back for every eligible $1 spent. Earn up to 10% Cash Back for shopping online. Choose between a $25 check or a $25 gift card for every 2,500 points earned.
0% APR on BT and purchases for up to 12 months. No Annual Fee. $0 liability on unauthorized purchases. FREE online services, including account management, statements, unbilled activity, and faster payments. Citi Identity Theft Solutions. Balance transfer fees apply with this offer.
• No Late Fees when you use your card each billing period for a purchase or cash advance
• Free enrollment in Citi's rewards program, ThankYou Network(SM)
• Get 5 ThankYou Points® per dollar on purchases at gas stations and drug stores for 12 months, and 1 ThankYou Point thereafter
• No annual fee
• 10,000 ThankYou Points® after your first purchase
Lots of people examine your credit. Shouldnt you be one of them?
Your credit: Its one of your most valued assets, impacting your lifestyle, your home, and your livelihood. Citi(SM) Credit Monitoring Service is a comprehensive program to keep you informed and empowered about your credit. Because its safer to know than to guess. This is what you get:
3 in 1 Credit Report: Get to your 3-in-1 credit report, 3 credit scores, monitoring and analysis at no additional cost
Credit Monitoring: To keep track of your credit file activity every business day
Notify Express SM Alerts: To warn you of potential fraud
Toll Free Access to Fraud and Credit Education Specialists who are available to assist with your concerns
Credit Analyzer and Online Tools: Credit tips and tools to help you understand your credit rating
Things to Consider When Looking for Low Interest Credit Cards
Clearly one of the most important considerations when looking for a new credit card is the interest rate. The interest rate is not the only factor that one should consider when shopping for a new card, however. Even the best low interest credit cards can be a bad deal if they require excessively high annual fees. The final arbiter over whether low interest credit cards are right for you is your credit situation and how you use your credit cards.
Those who use their credit cards heavily are the ones who are most interested in low interest credit cards. Heavy credit users are typically willing to put up with higher annual fees if they can recoup the fee costs by having to pay less in finance charges. Low interest credit cards that are coupled with a high annual fee are not generally a good choice for someone who only uses their card occasionally, since the interest savings are unlikely to be enough to offset the amount paid to the card issuer in the form of an annual fee.
How can you determine if a low interest credit card is worth the annual fee? Fortunately, the mathematics is pretty simple. What you need to do is to consider how much you expect to use the credit card, as well as how much balance you expect to carry. From this amount, calculate the amount that you would be charged in interest at the rate of the card that you are considering. If you are uncomfortable with the math, there are a number of websites that will handle the calculations for you.
Once you come up with the finance charge that you would have to pay using low interest credit cards, you can compare that amount to the annual fee. If the savings on the low interest credit cards is higher than the amount paid to the issuer in the form of an annual fee, then the low interest credit cards will end up saving you money.
Low interest credit cards are always tempting, particularly if they are coupled with an incredibly low introductory rate (a common tactic). The only way to know if low interest credit cards will save you money in the long term is to look at your own credit histoval Credit Cards?
Yes. There are instant approval credit cards available that offer special cash back and rewards programs to cardholders. If you are interested in participating in one of these programs, browse through the many instant approval credit cards available in order to find one that best suits your lifestyle and needs.
Ultimately if you have bad credit it is not impossible to get credit cards for bad credit, it is more expensive but it is a way to re-establish your credit rating. If you are careful you can eventually apply for a regular credit card with competitive rates and credit limits. It is also wise to try and deal with online companies that their primary business is credit cards for bad credit. They are a lot of times the ones with better rates, lower fees, and a lot of the time will not require a savings account. Your credit limit will be normally in the $250.00 to $300.00 range but that is enough to start repairing your credit rating. Used wisely it is more than enough.
