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Citibank Credit Cards

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I have a Citi Platinum Select Card and would like to apply for either the Citi Diamond Preferred Card or the Citi Dividend Card. Will already having a Citi Card hurt my chances of getting another Citi Card?

When your lender trots out a great new credit card offer, you don't have to miss out. However, maintaining multiple accounts with the same bank carries a few risks that might outweigh the rewards. Most credit card issuers actually want you to maintain more than one account with them. Increasing your credit means increasing your loyalty, [...]

Is the Citibank Gold World MasterCard treated as a regular airline rewards card? Can it be used for business as well as coach travel?

Editor's Note: Thank you for your interest, this offer expired and is no longer available. You're no doubt thinking of the Citi Gold / AAdvantage World MasterCard, the airline credit card Citi operates in partnership with American Airlines. Like other "legacy" airlines, American has overhauled its loyalty program to better compete with discount carriers. To answer your [...]

I want a free gift for my credit card application. Which credit cards offer the best free gifts?

Competition does wonders for consumers. Think back a few years ago, to the height of the financial crisis. Banks had little money to lend, even to the point of cancelling accounts for long-time cardholders. It's great, then, to see so many lenders loading up their credit card offers with significant signup bonuses. According to Mintel Comperemedia [...]

What are our best options for credit? Husband, who already has a current card, applying for another? Wife without a card applying for one? Or a joint card?

Q: What are our best options for credit? Husband, who already has a current card, applying for another? Wife without a card applying for one? Or a joint card? A: I'm not sure who is writing me, husband or wife, so I'll just answer as if you were both sitting across from me. I also don't have [...]

What do you think about zero percent interest for the first 6 months? Good idea or good marketing?

Question: What do you think about zero percent interest for the first 6 months? Good idea or good marketing? Answer: Both, and I'll give you an example of how I think it can be good, and then how it's just, yes, good marketing. Zero percent interest for any month is a nice deal, and I can't argue [...]

I have asked my bank for a lower APR but was denied. How can I find another credit card to get rid of my high interest rate without going through a debt agency?

Q: I have asked my bank for a lower APR but was denied. How can I find another credit card to get rid of my high interest rate without going through a debt agency? A: You have a couple of options here, depending on your comfort level with your current bank. The financial crisis rocked the routines [...]

Which credit card I should send with my two college-age kids, who are going to travel in Europe this summer?

Question: Please advise me which credit card I should send with my two college-age kids, who are going to travel in Europe this summer. Ideally, I would desire a card with no foreign transaction fee, no currency conversion charge, ATM-usable, and with the chip required by many European countries. Answer: As you probably know, Europeans have [...]

I am trying to decide between a CitiBank and Discover balance transfer offer. When reading the terms for CitiBank, it appears as if the transfer can take up to 4 months. Is this true? If so, would paying the higher Discover fee but getting a faster transfer make more sense?

Question: I am trying to decide between a CitiBank and Discover balance transfer offer. When reading the terms for CitiBank, it appears as if the transfer can take up to 4 months. Is this true? If so, would paying the higher Discover fee but getting a faster transfer make more sense? Answer: Great question. Actually, if [...]

How do I know what kind of credit card to choose and from what issuer?

Question: How do I know what kind of credit card to choose and from what issuer? Answer: Because applying for many credit cards in a short time can damage your FICO credit score, it's important to compare credit cards carefully and pick just one or two that you think you'll want to stick with for a [...]

What credit card provides the longest 0% APR introductory rate for balance transfers with the lowest transfer fee?

Question: What credit card provides the longest 0% APR introductory rate for balance transfers with the lowest transfer fee? Answer: I'm glad you asked both halves of a question that most consumers don't fully consider. Now that the credit card industry has stabilized, we're starting to see some generous zero-percent annual percentage rate (APR) balance transfer [...]

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