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Citi Dividend Platinum Select Card

Rewards are a major factor when trying to find the right card. If you plan to use your credit card for everyday purchases – such as groceries and gas – then a reward card will give you more benefits than a standard credit card. Citibank offers the Citi Dividend Platinum Select card, which also has no annual fee and 0% APR on balance transfers. You can consolidate your debt while earning cash back on all of your purchases.

When you use the Citi Dividend Platinum Select card, you get 5% back on purchases at supermarkets, drug stores and gas stations. With all other purchases, you receive 1% back. I recommend this card to anyone with balances on other cards, and anyone who uses their credit card regularly. If you're going to pay with a card, you might as well earn cash back.

Citi PremierPass Card

This is another reward card from Citibank, but it's approached from an entirely different direction. Citi has implemented something called the "Thank You" program, which allows customers to earn points when they use the card. The points can be redeemed later for merchandise and airline flights.

Again, this card has no annual fee, which means that you don't have to pay to use the card. When you use it to buy airplane tickets, you earn Flight Points, and when you use it to buy other goods, you earn Spend Points and Purchase Points. As soon as you make your first purchase, Citi gives you 15,000 bonus points, which is a great way to get the ball rolling.

Citi Diamond Preferred Rewards Card

Another favorite Citi card is the Citi Diamond Rewards card. The structure is very simple, and the card rewards you for spending money on everyday necessities. When you use the card at supermarkets, gas stations and drug stores, you receive five points for every dollar you spend, and when you use it elsewhere, you receive one point on the dollar. Citi gives you 5,000 bonus points after your first purchase, which can be redeemed for a $50.00 gift certificate. It's a great card for anyone who wants to see benefits right away.

This card carries no annual fee, with 0% APR on balance transfers for the first twelve months. This card requires excellent credit for approval, but it has a low APR for a rewards card. I recommend this card to anyone who needs online support and who uses their credit card to pay for everyday purchases.

Now remember, whatever Citi credit card you choose, make sure you understand the terms and conditions, and use your credit card wisely.

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About The Author:
Click here to find Citi Credit Card Offers http://www.credit-card-surplus.com/citibank.php. Ed Vegliante runs http://www.Credit-Card-Surplus.com, a credit card directory helping consumers to compare and apply for credit cards.