Top Citibank Credit Cards in Different Categories

People who have been using credit cards know that Citibank is a renowned name in this industry because of their rewarding credit cards and premium features. Citibank credit cards are considered among the premium credit cards. According to the offers, rewards and other benefits, here are the best Citibank credit cards in their respective categories.

• Citi Rewards+ is best Overall and It Comes No Annual Fee
• Citi Rewards+ Student Card is best for Students
• Citi Secured Mastercard is best for Bad Credit
• Citi Simplicity is best for Balance Transfers
• Citi Double Cash Card is best for Cash-Back Rewards
• Citi Premier is best for Travel and it has best Sign-Up Bonus
• Citi Diamond Preferred Credit Card is best for Financing Large Purchases

So, if you see or hear these names from your credit card provider, look out for detailed offers you are getting. Don’t miss these if these fit with your requirement and spending habit.

Top 3 Low Interest Credit Cards for No Credit

It is hard to get low interest credit cards for no credit, but it is not impossible to do so. When you have no credit history, the credit card providers have less trust in you. You have to get settled with the best offer you get because clearly, you don’t have as many options as the people with good credits do. But, a few credit card providers have come up with credit cards with low interest for the people with no credit. Here’s our list of top credit cards for no credit.

Wells Fargo Cash Back College

• 0% annual fee
• 0% Introductory APR
• 3% cash rewards earned for up to the spending of $2500 for the first 6 months. 1% cashback for each $1 purchase from your card.

It’s best for students as they are the ones with no credit score. That’s why the providers have named it after college students.

Discover it Secured Card

• 0% annual fee
• The minimum deposit is $200
• You can upgrade to unsecured card anytime when your score gets better.
• This is a low fee credit card within the reach of people with no credit history

Petal Visa Credit Card

• 0% annual fee
• 14.75% to 24.75% regular APR
• 1% cashback on all purchases. 1.25% after 6 months, 1.5% after 1 year of timely payments.
• 0% foreign transaction fee

Build up your credit score by having any of these cards and then you can shift to better credit cards with low interest, good reward schemes and cash back offers.

How Do You Use Your Credit Card For No Credit?

It is always better to exercise caution and be more aware and alert when using your credit card for no credit. One of the best and the most effective things that you can be doing right now to make sure that your Citibank credit card stays up to date and your finances remain just the way you want them is to review your account often.

Checking Your Account Information
This is probably the most important aspect of your finances. If you want to make sure that you are using your Citibank credit card more diligently, you need to review all your recent account activities regularly. Doing this is also fundamental to credit card safety and it is extremely easy.

You can either do it online or by phone. Typically your credit card issuer company or bank will make sure to send you emails and text alerts for the same and also about any unusual activity on your account. You may sign up to receive those notifications. You may also sign up for any credit monitoring services from your bank if you have already been a victim to financial frauds or identity theft in the past.

These monitoring services are very useful especially when you are travelling. Whenever you make a purchase the bank will use your phone’s location services to compare where the purchase was made and where your phone is located so that the activity can be verified. Search monitoring services come in handy when you want to stay up to date with your account information and credit card security.

Stay Away From Fraudsters, Protect Your Credit Cards

You can protect your credit cards with no annual fee and also prevent your finances from getting ruined by understanding how fraudsters and scammers work. Cybercrime and especially financial frauds have increased in number during the past few years and they continue to pose a problem for every credit card user out there.

Regardless of the fact whether you use your regular credit card or credit cards with low interest, you should know of certain ways how cyber criminals target you and collect critical financial data from you. Do you know that they use a device called “skimmer” to collect data from your card and ATMs? These can be fit over the card slot or even the PIN pad and can be easily mistaken as a part of the machine.

These are very difficult to detect and therefore it becomes very important for the user to monitor their bills for any suspicious activities. To be absolutely certain that you are not heading towards a financial problem you should pull out your credit card reports every 6 months or year.

Being Proactive When Using Your Credit Cards For No Credit

By being proactive when you are using your credit cards for good credit you can save yourself from cyber crimes and financial frauds. And the best part about it is that you don't even have to wait for your monthly statement to come in. You can review your credit card activity anytime you want. All you have to do is log into your account once a week or every two weeks to check for any fraudulent charges or anything at all that you did not sign up for.

At times you may find that a charge of $1 pops up from nowhere. At the moment it may seem to be a very insignificant amount but it is definitely worth looking into if it turns out to be recurring trend. This applies to everyone who uses credit cards or no credit and wants to maintain their finances and do not wish to get into debt all over again.

Reap Out Numerous Benefits with Credit Cards

Credit cards can give you purchasing power, help you to build a credit line, and you can reap out unlimited benefits by using them. In times of emergencies, credit cards can be of exceptional use when you are in need of an immediate cash due to any reason. Not only this, several credit cards provide you complete protection of all the purchases you make. Even if you lose anything that you have bought or it is damaged, you need not to worry. Furthermore, you can get massive discounts from specific companies and stores along with bonuses including travel discounts and free airlines miles when you travel. 

Choosing the low interest credit card is important if you want to avoid paying enormous interest rates on your overall purchases. These cards proffer you the financial freedom with no limitations. Discover it cash back, Discover it balance transfer, Wells Fargo Propel American Express, and Blue Cash Preferred card from American Express are the diverse types of credit cards with low interest rate.

Folks who don't have any credit history can apply for a credit card no credit. These cards bring innumerable cash back offers and reward points for their users.

Different Types of Credit card no credit:

1. Discover it Student Cash back
2. Deserve EDU Mastercard for Students
3. Capital One Platinum
4. OpenSky Secured Visa
5. DCU Visa Platinum Secured credit card

There is no scarcity of credit cards that have 0% intro APR on purchases and balance transfers for 12 months. With these cards, you can earn 10,000-15,000 bonus points if you make purchases above $5,000 within the initial 6 months of account opening. By becoming a Preferred Rewards member, you can get up to 75% of rewards bonus on every purchase. You can also get 1.5x miles for every single penny you spend on a purchase, whether on any hotel or airline. Furthermore, you can earn 5% cash back at dining, grocery stores, and gas stations. 

Capital One Savor Cash rewards credit card gives you a 8-10% cash back on buying tickets to live sports. This card neither has an annual fee nor has any foreign transaction fee. Citi Rewards, HSBC Cash rewards Mastercard, Citi Double cash card, Milestone Gold Mastercard, and Citi Simplicity card are the various types of credit cards for good credit. These credit cards can help you to build a credit score in a jiffy. Discover it Balance transfer is a credit card that has zero interest rate. From reward points to cash back, you can enjoy countless benefits by using this card.

Get Maximum Financial Liberty Without Shelling Out A Hefty Fee With Credit Cards

Seeking an ideally-suited credit card to get financial liberty but scared of shelling out a hefty annual fee? No worries! Search for the credit cards with no annual fee. These cards not only have zero annual fees but also help you to establish, rebuild or fortify your credit score within the shortest possible time. 

Some of the credit cards with no annual fee:

• Capital One VentureOne Rewards

• Discover it Cash Back

• Capital One Quicksilver Cash Rewards

• Capital One SavorOne

• Chase Freedom Unlimited

• Bank of America Cash Rewards

• Citi Double Cash

Maximum of the above-mentioned cards offer plenteous benefits to their users including cash back, reward points, 0% intro on balance transfers, and no foreign transaction fee. As a user, you can earn 2% cash back at gas stations and restaurants on the purchases above $1,000 on a quarterly basis. 

If you have bad credit but finding ways to create a great future for your family, fix your credit mistakes done in the past or build credit in a rapid manner, the credit cards for bad credit are irrefutably ideal for you. Milestone Gold Mastercard, Indigo Platinum Mastercard, Discover it Secured, Credit One Bank Unsecured Visa, and Total Visa Unsecured are the credit cards you can apply for. 

A few people think that having a previous credit history is important to get approved for every credit card. However, there are several credit cards for no credit that do not require any established credit history. Capital One Platinum, Discover it Student cash back, OpenSky secured visa, DCU Visa Platinum secured, and Deserve EDU Mastercard for students are the credit cards that are excellent for people with no credit. Capital One Quicksilverone can provide you 1.5% cash back no matter how many purchases you make. This card has zero intro APR and no balance transfer fee. Find the most trusted provider of credit cards who can assist you in choosing the right card that matches your needs.