To qualify for the Citi Premier Card, you do need good to excellent credit. For everything else, you will still earn points, but at a lower rate. As you charge with the Citi Premier Card on expenses like restaurants, gas, groceries, air travel, and hotels, you will amass plenty of ThankYou points. You may also shop with the point at a number of retailers such as. Once you meet the minimum spend amount, you will earn a generous welcome bonus that you can redeem for such travel expenses as flights and hotel rooms, or you can turn it all into cash in the form of gift cards. This travel card is packed with perks: an annual hotel savings credit, no foreign transaction fees, and the ability to transfer the ThankYou points that you earn to Citi's many airline partners, typically at a 1:1 ratio. If you're ready to travel, look at the Citi Premier Card. You will have to strategize to get the most points.Very long APR deal on purchases and balance transfers.The ability to earn a very high rate on points in some categories.In the end, though, it's all about the cash, and this card has it. It even has a cash back welcome bonus with a relatively low minimum spend, and the APR can be on the low side if you keep the account in good standing. This card also comes with a longer than average 0% APR introductory rate of 15 months, then a variable APR between 18.99% - 28.99%. The Citi Custom Cash Card doesn't have an annual fee, so as long as you keep your balances to zero, you will walk away with a substantial amount of money earned by charging things that are within your budget. The highest points are available in the initial $500 you charge, and then it drops down to a lower rate that is unlimited. Rather than a flat rate card, you will earn the cash back in specific categories per billing cycle. Play this card right, and the cash back rewards you can earn are very impressive. Long introductory balance transfer deal.If you'd rather use what you earned for travel, you may transfer it to Citi's airline and hotel partners. The ThankYou points you earn will be available as a statement credit, deposited into your bank account, or sent to you as a check. The key to this card is to use it for affordable expenses and then pay it off. There is no annual fee associated with the Citi Double Cash Card, and the APR is on the low end for people who have high credit scores. So not only will you earn money on your purchases, but you will also be able to save a significant amount with the expensive debt that you transferred to the card. Other strong benefits of this card include a balance transfer 0% APR for a longer-than-average time period. You'll get half of the ThankYou points when you make a purchase with the card, and the other half when you delete the charge. There are no tiers or categories - it's all flat rate. The Citi Double Cash Card takes all the mystery out of cash back rewards. If you see inaccuracies in our content, please report the mistake via this form. If we have made an error or published misleading information, we will correct or clarify the article. Our editors thoroughly review and fact-check every article to ensure that our content meets the highest standards. Our goal is to deliver the most accurate information and the most knowledgeable advice possible in order to help you make smarter buying decisions on tech gear and a wide array of products and services. ZDNET's editorial team writes on behalf of you, our reader. Indeed, we follow strict guidelines that ensure our editorial content is never influenced by advertisers. Neither ZDNET nor the author are compensated for these independent reviews. This helps support our work, but does not affect what we cover or how, and it does not affect the price you pay. When you click through from our site to a retailer and buy a product or service, we may earn affiliate commissions. And we pore over customer reviews to find out what matters to real people who already own and use the products and services we’re assessing. We gather data from the best available sources, including vendor and retailer listings as well as other relevant and independent reviews sites. ZDNET's recommendations are based on many hours of testing, research, and comparison shopping.
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