Before you sign up for a credit card, it is important that you know exactly what you are looking for. Among the crucial factors to consider are your credit score, the fees associated with the card, the requirements of the card, and your own spending needs. If you want easy-to-obtain rewards, one card you can consider is the Citi Forward card. On the other hand, if you require help in your financial obligations, debt consolidation may be of great assistance. This can be attained through Citi® Diamond Preferred® Card.
Why Choose Citi® Diamond Preferred® Card
Citi® Diamond Preferred® Card is one of the most uncomplicated cards today. There are no point or mile schemes and no cash back – just a plain-vanilla credit card. The main selling point of this card is to provide the cardholders an extremely low APR on balance transfers and purchases. If you have a balance on one or more cards, you may be able to transfer them to this card. The best part is that there is a very long introductory period. For 18 months, the balance transfer APR, as well as the purchases APR, will remain at 0%.
The Citi® Diamond Preferred® Card is chiefly geared towards the needs of those with balances. Aside from the 0% introductory fee on the mentioned transaction, there is also a low transfer fee. The card only charges $5 per transfer or 3% of the total amount being transferred. This is lower than the average cost of balance transfer, giving you quite a competitive plastic along the way. There are no annual fees and hidden fees as well.
Despite not having rewards for the cardholders, there are exclusive perks that you can gain with the Citi® Diamond Preferred® Card. It allows you to purchase tickets that are not even on sale yet. In addition, it allows you to obtain VIP packages and watch live performances through the Citi Private Pass®.
Why Opt for Citi Forward
If you want a card that gives you real rewards, the Citi Forward is one of the best choices you have at present. Purchase at least $650 within the first three months of card opening and you will get 10,000 ThankYou points. Added to this, when you redeem the bonus points, you can get gift cards worth $100. You need to sign up for paperless statements, though, to get the rewards.
While this card may not have a really long introductory offer like the Citi® Diamond Preferred® Card, Citi Forward provides a year-long teaser rate on balance transfers. For purchases, the introductory period lasts for seven months, giving you enough time to enjoy no interest rates on your expenses. Since this is a rewards card, you can earn points that can be converted to gift cards and merchandise. Every dollar you spend is equivalent to 5 points if you pay at restaurants, movie houses, music stores, and bookstores with your card. One point for other purchases is also awarded.
Both cards do not have an annual fee. The Citi® Diamond Preferred® Card is for people who carry a balance, while the Citi Forward card is for those who often eat at restaurants and want to earn rewards.