The only Citi metal credit card is the Citi® / AAdvantage® Executive World Elite Mastercard®, designed for frequent American Airlines flyers with good credit or better. The Citi AAdvantage Executive Card gives 4 miles per $1 spent with American Airlines, as well as 1 mile per $1 on all other purchases.
Card type: Balance transfer and 0% APR. Annual fee: $0. APR: 0% Intro APR for 21 months on Balance Transfers and 12 months on Purchases, and then the ongoing APR of 18.24%-28.99% Variable APR. Sign-up bonus: None.
What is the highest credit limit for the Citi Diamond Preferred card? The highest credit limit for the Citi Diamond Preferred card can be over $10,000 for most creditworthy borrowers, according to multiple reports from cardholders on online forums.
Yes, the Citi® Diamond Preferred® Card is hard to get, as it requires at least good credit (a credit score of 700+) for approval. On top of that, Citi will also consider your payment history, credit utilization, and annual income to help determine if you qualify.
Citi Diamond does not offer airport lounge access or any other travel-friendly perks. It is strictly a balance transfer card for people with good to excellent credit.
The Citi AAdvantage Executive Card is the only Citi credit card that currently offers airport lounge access.
The Citi® Diamond Preferred® Card credit limit starts at $500 and can range over $10,000 for the most creditworthy borrowers. According to Citi, it bases your credit limit on the following: Your annual salary and wages. Any other annual income.
The most difficult Citi card to get is the Costco Anywhere Visa® Card by Citi, since it's their only consumer card that requires excellent credit to qualify. You also need to join Costco if you're not already a member and earn enough income to afford monthly payments on the card.
Citi Chairman American Express Card
If you are fortunate enough to score an invite to apply, you can enjoy very generous travel benefits, rumored to include access to private airport lounges, a personal concierge and travel upgrades.
The top tier of Citi credit cards includes the Citi AAdvantage Executive Card, the Citi Premier card, and the Citi Rewards+ Card. Each card offers above-average rewards, and some allow you to take advantage of large initial bonuses and 0% intro APR offers.
The easiest Citi card to get is the Citi® Secured Mastercard®, since it's the only Citi credit card that will accept applicants with limited credit (less than 3 years of credit history). This card requires a $200 refundable security deposit, but it has a $0 annual fee.
Citi periodically grants automatic credit limit increases to eligible cardholders. Similarly, many card issuers tend to operate according to a status quo. In general, card issuers may increase a cardholder's credit limit every six to twelve months either automatically or by request.
The Citi Prestige® Card is a luxury travel card with some interesting perks, including a complimentary fourth night on paid hotel stays. That made it a favorite for frequent travelers, but it's no longer available. Those who have the card can continue using it, but no one can apply for it anymore.
The Citi Diamond Preferred card over the limit fee is no more than $25 the first time it occurs. After that, it increases to $35 for every over the limit transaction during the next six billing periods.
Although the Citi Diamond Preferred provides more time to pay off debt interest-free, the U.S. Bank Visa Platinum has a lower balance transfer fee, so you'll likely save more money by transferring your debt to the U.S. Bank Visa Platinum even if you need a full 21 months to pay off your debt.
This one is a close call because both credit cards offer excellent promotional offers. It comes down to how you want to use the card. If you don't care about earning rewards, take the extra three months and go with the Citi® Diamond Preferred® Card to either finance a large purchase or pay off high-interest debt.
The most prestigious credit card is the invitation-only Centurion® Card from American Express (Amex Black Card), as well as The Platinum Card® from American Express, and the Chase Sapphire Reserve® card. All three cards require applicants to meet high income and/or spending standards for approval.
The best credit card overall is the Wells Fargo Active Cash® Card because it gives 2% cash rewards on all purchases and has a $0 annual fee. For comparison purposes, the average cash rewards card gives about 1% back. Cardholders can also get an initial bonus of $200 cash rewards after spending $500 in...
However, the Dubai First Royale Mastercard* is rumored to be the rarest credit card in the world with less than 200 cardholders.
The minimum payment mindset
Here's how most people get trapped in credit card debt: You use your card for a purchase you can't afford or want to defer payment, and then you make only the minimum payment that month. Soon, you are in the habit of using your card to purchase things beyond your budget.
The credit card tiers depend always on the card provider. This means that you can't necessarily compare the cards very easily. But a good rule of thumb: the card in the highest tier is usually the black credit card.
The primary draw of the Citi Diamond Preferred is that it offers a 0% intro APR for 21 months on eligible balance transfers from date of first transfer and 0% intro APR for 12 months on purchases from date of account opening. After that, the variable APR will be 18.24% - 28.99%.
It's generally recommended that you have two to three credit card accounts at a time, in addition to other types of credit. Remember that your total available credit and your debt to credit ratio can impact your credit scores. If you have more than three credit cards, it may be hard to keep track of monthly payments.
You can have as many Citi cards as you want, as long as your credit and income are good enough to get approved for each. Citi does not limit the number of cards you can have, but it does limit the number of cards you can apply for (and be approved) within a specific period of time.