Citibank Online Credit Card - Why Should You Pick the Most Popular?

You must decide on what appeals to you the most in the choices that you find available. Are you confused a lot of times searching around and not being able to make a decision on which card is most beneficial to you?

If you are like most consumers on the internet today, it can be an all out battle. You must remember that all is not lost.

Do you believe a well formatted design with excellent visual content can help you make the right decision? I bet you can and I will show you how and why in just a minute.

So why would Citibank be the most popular?

Here's just a couple of reasons why.

A Citibank credit card can be different things to different people. They offer a reward program that most people find appealing. There are several types of reward cards available.

The Thank You Redemptions Network credit card offers a way for users to spend money at select merchants and receive points for each dollar they spend. These points can in turn be used as dollars at a long list of retailers, travel companies, and entertainment venues. The more points you accumulate, the higher dollar amount you can use at the retail partners. You can also set up your own list of favorite shopping venues to spend you points with your online credit card.

Another Citibank credit card available is great for anyone who likes to have some money set aside at the end of the year. The cash back program they offer is a generous one. You get 5% cash back for every purchase you make at grocery stores, drug stores, or gas stations. That’s a great way to save money on your everyday purchases and have some money waiting for you at the end of the year for that last minute holiday shopping.

One popular option, especially for business owners, is the AAdvantage card. This low rate credit card gives you the ability to earn miles on American Airlines for every dollar you spend with your card. As the miles add up, you earn tickets to places all over the world. Think of what a bonus it would be to have your air travel paid for simply by doing your shopping with your credit card.

For families with children on their way to college, the UPromise low rate credit card offers you college savings for the money you spend. You get 1% on most purchases that is collected for you and set aside for a college fund. You also get 2% on gas station purchases and up to 10% on drug store and grocery store purchases. This savings is a great way to earn money for college by doing what you always do: spend money for every day needs.

The car rebate card is a great idea for people who do a lot of driving and take pride in their car care. You get rebates for the distance you travel and the money you spend along the way. You can use the rebates for a rental car, a down payment or discount on a new car, or on car repairs or maintenance. Citibank also offers an online credit card intended for college students. Students can qualify for a cash back card or a car rebate card to help them get started in the world and save money.

Plus more reasons can be found at http://www.findcardsnow.com/issuers/citibank where you can apply quickly online for the card of your choice.

Sean Mullan is a freelance writer for a number of web sites offering an in-depth look into consumer's areas of interest throughout the web.

One of his sites FindCardsNow.com is popular because of its easy design layout and visual content of the most important facts to help your decision.

Your best option is to look at http://www.findcardsnow.com/issuers/citibank, where you will find access to all that Citibank has to offer in lines of credit.

Small Business Credit Cards

So what do you look for when applying for a credit card for your small business? One thing is for sure, wasting money isn’t an option because it can make or break your business. Things to look for are low interest rates and good customer service.

Ask around for companies with good customer friendly service. Some will let you off late payments time after time while others will come down like a ton of bricks. You need them to be flexible as you never know when you may run into problems

Make sure you don’t go with one because of a low introductory offer. You want a long term one as you may not have time every six months to be jumping from one to another. Before signing up for one read the small print, remember it could save your business.

Look out for special bonuses companies offer. Some times companies such as Visa or American Express join with other companies to save you money on anything from shipping or office supplies

Here are two small business credit card options but look around for more and weigh up the benefits for each one

American Express Business Gold Card

• No annual fee for the first year

• No pre-set spending limit

• Save at known brands, such as Staples, FedEx and Hertz

• When you enroll in the Membership Rewards program, you earn points virtually every time you use your eligible, enrolled Business Card.

• Online Account Management

• Car Rental Loss and Damage Insurance

CitiBusiness® Platinum Select® Card

The CitiBusiness® Platinum Select® Card is the card built for small businesses and includes:

• A generous credit line
• Low rate on purchases
• Additional cards for employees
• Free quarterly and annual account summaries
• Free 'Ask the Experts' service


A great place to find out more about credit cards is the internet, one useful site is: http://www.credit-card-index.com

http://www.credit-card-index.com/visa-small-business-credit-card.html


Find more articles and info on credit cards at: http://www.credit-card-index.com

Get A Credit Card For People With Bad Credit

Yes, you can certainly get a credit card for people with bad credit. What does bad credit imply and why do companies restrict their credit cards only to people with good credit? Bad credit implies greater risk for the credit card companies and it is for the same reason many companies restrict their card to only those with good credit score.

There are many credit card companies waiting out there to exploit this situation, as they find hard to compete. There are companies try to make more profit by extending their credit cards to people with bad credit. As one can expect people with bad credit have lesser options and hence do not mind the cost involved until they set right their credit history.

Credit card for people with bad credit very often has greater annual subscription fees. They have greater APR percentage. These credit cards do not come with as many offers as you would find with the credit cards for good credit.

Though you have lesser number of options with bad credit score, you have to remember that you do have options. When you have more than one option, it is always good to compare the options at hand. Check out all possible credit card schemes that allow you to apply with bad credit. One of the important aspects to be remembered while hunting for your credit card is to check how you can use the new card you get to improve your credit score and how you can get your good credit, credit card. To make sure that your credit history is reported properly, you need to find credit card companies that will report to the three agencies that maintain credit reports.

If the credit card companies report regularly and if you pay your bills regularly you will start getting offers for credit cards for good credit.

Incase, you should still find it difficult to get your unsecured credit card approved; try to apply for a secured credit card. You can even consider the option of prepaid credit cards. The whole idea is that you try to establish a good credit history with whatever limited options you have and don’t wait for too long.

Once you get your credit card, you need to be all the more responsible to use it properly. Read all the terms and conditions carefully and try to abide by those as closely as possible. Plan your credit card usage carefully so that all your efforts to build a good credit score do not go in vain.

For more information on finding the very best Credit Card For People With Bad Credit, The article author Jeff M recommends that you visit the-credit-card-pros.com.

Credit Card Offers - The Top 3 Benefits To Spot

Hardly a day will go by without you getting an offer to apply for a credit card, either by the traditional mail service or online. If this is something you are considering doing, there are several key issues that you need to understand before you decide which credit card offer is right for you.

All credit card offers will offer benefits. Finding the one that fits your needs is the key!

Let's discuss a few of the things you should be aware of before you apply for any credit card offer.

1. What Do You Need The Card For?

This is the first and most important question you should ask yourself. Your answer will help to decide just what type of card and what incentives will work best for your needs.

For example, if it is for business use, look for a card that offers a cash-back for business purchases or membership to a discount buying club. Most companies will offer a low introductory rate for a specified amount of time but you need to know what it jumps to when that said time has expired. It may work best for your business if you find a long-term, more moderate interest rate than be stuck changing cards every few months to keep your interest in check.

If the card is for personal use, decide why and for what do you really need it for. If you plan on using it instead of cash and checks throughout the month but plan to pay it off each month, know what the card's grace period is and what happens if you miss it.

Pick a card that offers reward points even if you don't carry a monthly balance. This can be a great way to rack up the frequent flyer miles as long as you're disciplined enough to use it this way.

2. Know The Interest Rate

Many card companies will offer an initial interest rate that is quite low, sometimes even 0%, for a designated period of time. This rate usually applies to both transferred balances and new purchases.

What you need to know is what happens after the introductory phase has ended. Will the interest then skyrocket? Will the interest rate be more moderate as long as you have a good payment history? Look for hidden costs such as an annual fee or a cash advance fee. These are important to know if you plan on using your card effectively.

3. Incentives

Many cards also offer a whole list of incentives with their application request. Although many of these are nice, usually you have to use your card a great deal to get them. This can become a kind of trap. You know, buy more to save more.

If you're going to use your card anyway, then you might as well have something to show for it. Look for cards that offer incentives that interest you and you would actually use.


Ewen Chia is the owner of Free-Credit-Card-Offer.com providing free credit card information for everyone. You can receive a free credit card at his site too: http://www.Free-Credit-Card-Offer.com