When people think of CITI Costco Credit Card, they are most likely to associate it with the grocery store. In fact, the company offers more than a hundred different cash and gift cards from a variety of stores, including: Albertson's, Bob's Stores, Carousel, Chock full O' Nails, Diaper Genie, Dominos, Pier 1 Imports, Pottery Barn, Target, Wal-Mart, Whole Foods Market and more. The company has plans to expand into various other locations, but for now, you can find CITI Costco anywhere in the United States and Canada. CITI is very similar to other major card companies such as American Express, Discover, MasterCard and Visa, but they also have added some additional perks to their cards.
CITI offers an easy to use online application form that takes about thirty seconds. All you need to do is enter your name, birth date, social security number, email address, current employer and address. Once your information is accepted, you will be asked to log into your account. Within minutes you will see your available reward points and apply them to your card. You can choose to earn reward points based on every dollar spent, or you may choose to redeem those points for airline tickets, gift certificates, hotels and so forth. You can pay off your credit card balance as often as you like; the limit is $1500 for each year.
CITI does not advertise cash back, so it is hard to tell how much actual cash back you can receive through the card. Most people agree, though, that CITI gives its customers an extra incentive to spend money. In addition, CITI has several promotions and incentives designed to save cardholder's money, like frequent flyer miles and points when shopping at certain restaurants.
As far as the fees go, there are no surprise ones. You will pay a one-time processing fee for your new CITI Credit Card. Then there's the standard interest rate that applies to all credit card balances you have with CITI (plus additional fees), as well as an annual membership fee to maintain your account. There's also a billing statement feature that allows you to keep track of payments to make sure you're not spending more than you have.
The one downside to CITI cards is they tend to have a much higher than average rate of interest. A lot of people don't think about this but carrying a balance from month to month means you will be paying a higher interest rate than if you didn't have a credit card at all. Although CITI offers cash back programs, you should still compare other offers before choosing between CITI and another credit card provider.
Another perk on the CITI credit card is the airline reward programs. If you fly often, or are going on business trips a lot, then the rewards programs in CITI may be a great perk for you. Most of the cards offer a flat rate for air miles when you use their card to book your flight. You will earn one point per dollar that you charge to your card, which can be useful if you frequently fly. Some cards even give you five or ten percent off your airline ticket purchases for a whole year.
Other benefits on the CITI cards include travel insurance. If you travel a lot for business, then purchasing travel insurance through CITI could be beneficial. The cash back benefit mentioned above can also be obtained if you purchase travel insurance through the CITI card company. A few other benefits to CITI cards include grocery cards, personal loans, and discounted merchandise.
As you can see, there are several perks that CITI offers its credit card holders. If you are looking for a low interest rate, a good rewards program, and air miles to use for traveling, then the CITI credit card is for you. If you have bad credit but are interested in obtaining a credit card, then you may want to contact the customer service department at CITI and ask about their application processes. They may be able to waive some fees and lower your interest rate. Also, they can help you choose between different credit cards that you qualify for.
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