Taking your first plunge into the world of credit cards? Get familiar with a few credit card essentials first. Be better prepared when your understand important points like how to choose a credit card, the most important points about credit card management and the difference between variable and fixed interest. A bit outdated from an appearance standpoint, but really effective in terms of evaluating a credit card offer is the Federal Reserve checklist sheet for choosing a credit card.
We offer a general credit card guide of credit card related terms. Below are a collection of additional resources which will help you better understand credit cards, before you apply!
Understand the pros and cons of bad credit credit cards.
Caught in a bad credit situation? Know the credit card essentials of bad credit credit cards before you decide on the right one for you. Get a free copy of your credit score and get familiar with the difference between a balance transfer credit card and a secured credit card.
Know the key points about low interest credit cards.
There are many low interest credit cards available. Make the right choice by familiarizing yourself with such credit card essentials such as grace period, fixed vs. variable interest rates, annual percentage rate, debt consolidation, balance transfers and periodic rate.
* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the “Apply Here" button, you can review the credit card terms and conditions on the issuers website.
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Editor's Rating:
9.5
-
Consumer Rating: (25 ratings)
8.1
| Intro APR: |
0% |
| Regular APR: |
11.99% - 19.99%* (Variable) |
| Annual Fee: |
None |
| Intro Period: |
18 months on Balance Transfers*, 12 months on Purchases* |
| Balance Transfer: |
Yes* |
| Credit Needed: |
Good
|
Don't know your Credit Score? Click here
- 0% Intro APR on balance transfers for 18 months and 0% Intro APR on purchases for 12 months. After that, the APR will be 11.99%-19.99% based upon your creditworthiness. This APR will vary with the market based on the Prime Rate*
- Extra Cash from Citi: enjoy discounts on gift cards,travel, merchandise and more
- Citi® Identity Theft Solutions
- Secure, free online account management
- No annual fee
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Editor's Rating:
9.0
-
Consumer Rating: (21 ratings)
8.6
| Intro APR: |
0%* |
| Regular APR: |
11.99% - 20.99% (Variable)* |
| Annual Fee: |
None |
| Intro Period: |
6 Months* |
| Balance Transfer: |
Yes* |
| Credit Needed: |
Excellent
|
Don't know your Credit Score? Click here
- 0% intro APR on balance transfers for a full 15 months, then the Regular APR
- 0% intro APR on purchases for a full 6 months, then the Regular APR
- 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
- Up to 1% unlimited Cashback Bonus on all other purchases
- No Annual Fee
-
Editor's Rating:
8.0
-
Consumer Rating: (1 ratings)
9.0
| Intro APR: |
0% if you qualify* |
| Regular APR: |
12.99% - 19.99%* (Variable) |
| Annual Fee: |
None |
| Intro Period: |
12 months on BTs |
| Balance Transfer: |
Yes* |
| Credit Needed: |
Good
|
Don't know your Credit Score? Click here
- Earn up to 8,500 bonus points after you sign up for paperless statements and make $250 in purchases within the first 3 months of account opening.
- 5 ThankYou points for every $1 you spend on restaurants and entertainment. 1 reward point for every $1 you spend on other purchases.
- Up to a 2% purchase APR reduction when you make a purchase, stay under your credit line and pay on time 3 billing periods in a row.
- No annual fee
