Whether you are planning to add a new card to your wallet or you need to consolidate your debt with a low interest card, there are two Citi cards to consider. These are the Citi® ThankYou® card and the Citi® Platinum Select® Visa. Both of these cards have a long balance transfer promotional period where you get to enjoy making transactions without racking up interest. While these cards may be similar on these aspects, they also have certain differences. Which card best meets your needs and which one should you sign up for?
Citi® ThankYou® Card
This may be the most basic card in Citibank’s ThankYou® card series, but this does not mean that it is inferior to the other cards. This has 0% intro APR on balance transfers, which runs for up to 15 months. The same duration is offered on purchases as well. Plus, this does not have an annual fee.
You can also select your payment due date, giving you flexibility and helping you to easily remember when to pay. You can add cards into your account and get peace of mind with wide-ranging insurance coverage. There is also $0 liability on unauthorized purchases. This card also lets you get hold of a customer service representative directly. Emergency assistance, extended warranty, and personal concierge are automatically provided as well.
When it comes to rewards, you gain bonuses with this card. You only have to renew your card to earn your anniversary bonus. The longer you maintain your plastic, the higher the bonus becomes.
Citi® Platinum Select Visa
Just like the ThankYou® card, the Citi® Platinum Select® Visa has an introductory offer on balance transfers and purchases. The difference is that this card lets you enjoy 0% interest for a longer period than the other card. After the introductory period, interest rates will then become effective. This card also has a lower interest rate compared to the Citi® ThankYou® card.
The Citi® Platinum Select® Visa does not offer rewards and bonuses, but it does come with exclusive services that you will definitely find beneficial. First is the Citi® Easy Deals(SM). With this program, you can seize huge discounts and brilliant deals online. Each month, you can earn up to 10% rebate on eligible purchase. The points you get here can be redeemed for gift cards, travel tickets, special events, and more.
This card also provides virtual account numbers, which can aid online shoppers. Instead of giving your real card number to an online merchant, you can use a computer-generated set of digits. This way, it will be difficult for anyone to illegally take your account number. Like the ThankYou® card, you can also add additional cards to your account. This plastic is indeed a good way to save money with its integrated services, particularly the Citi® Easy Deals(SM) and the Citi® Price Rewind.
While both cards may have a few identical features, one of them will work better for you. If you want rewards and perks, the Citi® ThankYou® card may be the card to get. Meanwhile, if you want a longer balance transfer promo period and a lower interest rate, consider the Citi® Platinum Select® Visa.
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