Citi Credit Cards, Which Current Offer Is Best For The 2017 Holidays
This holiday season, you may want to spend a lot of money to purchase gifts or travel on a vacation. If you don’t have enough savings, you can first apply for Citi credit cards that offer zero percent intro promotions. There re two Citi credit cards with long zero percent intro promotions. Citi Simplicity card is the card that offers the longest zero percent intro period that last for up to 21 months. The 21 months intro promotion is valid on both purchases and balance transfers. You’ll need to have a good or excellent credit score in order to qualify for the card.
At the end of the 21 months intro period, they will start charging you interest on the balance and the interest rate can be in the range of 14.99% – 24.99% depending on your credit score. Citi Simplicity card features a 24/7 concierge service that allows you to receive immediate help by simply saying, representative. The benefit of the card is that it does not charge many of the fees that other cards charge including late and annual fees. One of the downsides of Citi Simplicity is that it does not have any cash back or rewards program in place. Another downside is that it charges a 3% foreign transaction fee.
Another card is Citi Double Cash Back card that also has a long 0% intro promotion that lasts for 18 months. Citi Double Cash Back card will charge you a variable APR interest in the range of 14.49% – 24.49% depending on your credit score after the intro period ends. Although Citi Double Cash Back has shorter 0% intro period, it has a rewards program that allows you to earn 2% cash back for per dollar spent. At first, you’ll only earn 1% cash back when you swipe the card to pay for your shopping. After you pay off the balance, the other 1% cash back will appear in your account.
The advantage of Citi Double Cash Back credit card is that it does not have any cap and it does not put any restriction on the rotating category. Only purchases get to earn cash back. Returned items, cash advances and balance transfer will not earn any cash back. The first late payment fee is waived in case you forget about the due date for the first time. You will get a Citi Private Pass that gives you access to presale tickets and VIP packages. Citi Price Rewind allows you to get refund if you can find the same item at a lower price in 60 days. Other services the credit card offers are 24 hour fraud protection, lost wallet service and citi identity theft solutions.