Posted by Citibank is a bank that deals with financial entities, and today I am going to be sharing one of the major entities which is the Credit Card. Citibank does not have only one Credit card it has a variety of credit cards.
I am going to be telling you about the credit cards it has, list them and also point out the best, and then give you a review of one of the cards. First, you need to know what Citibank is, before proceeding further and giving you all the important information.
www.citi.com
The Citibank, which is a division of Citigroup, is simply a full-service bank that provides mortgages, checking and also savings accounts, credit cards, and more. It is one of popular North America’s oldest banks in continuous operation; Citibank is steeped in the United States’ banking history.
It was founded in the year 1812 as City Bank of New York, with a man called Samuel Osgood as the founding president. In the year 1968, Citibank then introduced its first credit card, known as the Everything Card, later partnering with MasterCard. In the 1970s, the bank was one of the first American banks to introduce automatic teller machines to its customers.
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About Citibank
Today, Citibank now has 2,649 branches throughout the world, also about 723 of which are located in the United States. Citibank’s U.S. presence is directly focused primarily in the metropolitan areas around New York, Los Angeles, San Francisco, Chicago, Washington D.C., and also Miami. As Citi has expanded to new locations over the years, the bank’s selection of credit cards has also grown just as significantly, now providing options for nearly any type of consumer.
Types of Citibank Credit Cards
Like I have said earlier there are lots of Citibank credit cards and I am going to show you all of them:
- Citi Custom Cash℠ Card .
- Citi® Double Cash Card.
- Citi Simplicity® Card.
- Citi Premier® Card.
- Citi® Diamond Preferred® Card.
- Citi Rewards+® Card.
- American Airlines AAdvantage MileUpSM Card.
- Citi® Secured Mastercard®.
- Costco Anywhere Visa® Card.
- Citi® / AAdvantage® Executive World Elite MasterCard®.
- Costco Anywhere Visa® Business Card.
Best Citi Credit Cards
- Citi® Secured Mastercard®.
- Citi Custom Cash℠ Card.
- Citi Simplicity® Card.
- Citi® Double Cash Card.
- Citi® Diamond Preferred® Card.
- Citi Rewards+® Card.
- Citi Premier® Card.
So I will be taking Citi® Diamond Preferred® Card how you can apply and some other things attached to it.
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Citi Diamond Preferred Card Rate and Fees
Interest Rates
- Regular APR: 15.24% – 25.24% (Variable).
- Purchase Intro APR: 0% for 12 months on Purchases.
- Balance Transfer Intro APR: 0% for 21 months on Balance Transfers.
Fees
- Annual Fee: $0.
- Balance Transfer Fee: Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
- Cash Advance: 5% of each cash advance; $10 minimum.
- Foreign Purchase Transaction Fee: 3%
Pros and Cons of Citi Diamond Preferred Card
Pros
- $0 annual fee.
- Lengthy introductory APR offer on balance transfers.
- Special event access through Citi Entertainment.
- $0 liability on unauthorized purchases, travel, and entertainment benefits.
Cons
- 3% foreign transaction fee.
- No rewards program.
- High variable APR when the introductory period ends.
How to Apply for Citi Diamond Preferred Card
Applying for Citi credit cards is not that difficult. Just follow the steps below
- You will only need basic information when applying, visit this link and click apply now.
- Then you will need to give information about yourself including your full name, address, date of birth, and social security number.
- Usually, there are a few questions that are regarding your income, assets, and sometimes major expenses such as monthly housing expenses.
- Once you have filled in the information you should then submit it.
Many decisions come back instantly, but in some cases, there may be a wait of up to a week or two while Citi verifies the information you have submitted. Occasionally, they might even require additional information by mail or phone to process your application.
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How to Login on Citi.com Online
If you want to login to access your account is pretty easy, all you have to do is this.
- Go to the website www.citi.com.
- Then enter your user ID and password and click sign on.
Then you will access your account online.
Citi Credit Card Pre-Approval
Citi, like most card issuers, does not offer a complete pre-approval but does have a tool on its website to determine if you are “pre-selected” for certain cards. By simply filling out the form, you will then have a soft pull on your credit report: this does not impact your credit score. Since this is only a cursory review of your personal information, it does not guarantee approval if you later choose to formally apply. However, it can still provide good insight into whether a card is a good match for you.
How to Activate Your Citi Card Online
You can easily activate the Citi credit card online. All you need to do is:
- Visit online.citi.com/US/ag/activate/index.
- Provide the required information, such as your card account number and your Social Security number.
How to activate your Citi card by phone
If you prefer activating by phone, here’s what to do:
- Call the number on the back of the card.
- Follow the prompts.
- You may need to provide your personal information and your card number.
How to activate your Citi card with a mobile app
You can also activate your card via the free Citi Mobile app. Here’s how:
- Download the Citi Mobile app for iOS or Android.
- Open the app and tap Register or Activate a card.
- Tap Credit card.
- Take a photo of your card.
- Confirm the information and verify your ID — you may also need to answer security questions.
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Is a Citi Credit Card Right for Me?
Citibank offers a variety of credit cards to fit the wants and needs of a variety of consumers and also small businesses. The Company has cards that earn cash back, flexible points, or airline miles, while many offer 0% APR promos and some other attractive benefits. It even offers secured credit cards for customers to rebuild their credit. With so many cards to simply choose from, Citibank has something for everyone.
What Credit Score Is Needed for a Citi Credit Card?
Citi’s platform generally targets consumers and small business owners with good to excellent credit, though it does offer a secured card that can simply accommodate those with less credit history or lower credit scores.
The score that is been needed to get approved for the best Citi credit cards depends on which card you are applying for. While most options require anywhere from 670 to 850 in FICO scores, the bank also has a secured card for people who simply need help with their credit.
Can You Have More Than One Citi Credit Card?
The answer is yes, as long as your credit enables you to get approved, then you might have more than one credit card. Citibank restricts bonuses on new applications if you have already received a bonus from the same card, or family of cards, in the previous two to four years, depending on the card being applied for.