Citi® Credit Cards

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When people search for credit cards, they typically look for benefits and features that align with their financial goals and spending habits, such as rewards, low interest rates, and welcome bonuses. Before applying, they often check their credit score to understand which cards they are likely to be approved for.

Key factors people look for

Rewards programs

Many people are motivated by the rewards they can earn on everyday spending.

Cash back: This is the most popular type of reward, prized for its simplicity and versatility. Users can earn a flat rate on all purchases or higher percentages in specific categories like groceries, gas, or dining.

Travel points and miles: Frequent travelers look for cards that offer rewards that can be redeemed for flights, hotel stays, or other travel-related expenses. Some of these cards also offer a statement credit for travel purchases.

Tiered or rotating rewards: Some cards offer different rates for bonus categories that change over time, which can maximize earnings for diligent users.

Fees and interest rates

The cost of carrying a card is a major consideration, especially for those who don't pay off their balance each month.

Annual percentage rate (APR): People seek cards with a low APR, particularly if they plan to carry a balance, to minimize interest charges.

Introductory 0% APR: Many search for cards with an introductory 0% APR period on purchases or balance transfers to finance a large expense or pay down existing debt without accruing interest.

Annual fees: Consumers weigh whether a card's benefits, such as travel credits or premium perks, justify the cost of the annual fee. Many prioritize cards with no annual fee.

Foreign transaction fees: Travelers specifically seek cards that waive foreign transaction fees to avoid extra charges on international purchases.

Approval odds and credit-building

Many users consider their credit history to find the right type of card for their situation.

Credit score requirements: People compare cards based on the credit score needed for approval. Those with excellent credit can aim for premium rewards cards, while those with fair or poor credit may need a secured card or student card to build their history.

Building or rebuilding credit: Individuals with a limited or poor credit history specifically search for secured credit cards that require a cash deposit, as these are designed to help them build credit responsibly.

Welcome offers: Attractive sign-up bonuses, where a new cardholder receives a lump sum of points or cash back after meeting an initial spending requirement, are a major draw.