Citi provides a wide range of credit cards to consumers with good to excellent credit histories, and is particularly known for their low introductory interest periods, as well as rewards options. In fact, Citi credit cards offer one of the longest 0% intro rate periods on the market, making these cards great for big purchases.

Because you’ll likely be applying for a low interest rate or rewards credit card, read all of the terms and conditions carefully. And know that you may be approved for a credit card, but may not qualify for the best rates available. Be particularly aware of any universal default clause (this allows one credit card to raise your interest rates if you’ve been late paying a different bill), which could erase any benefits of a rewards program if your interest rate increases. And as with any rewards credit card, do not carry a balance, as this will also erase any benefits of your Citi reward credit card.

Each Citi Credit Card Requires Ideal Credit Histories

Citi reward credit cards require good to excellent credit, if your credit score is below this, you should take steps to improve your credit first. Consider opting for an unsecured or secured credit card to rebuild your credit. Once your credit rating increases sufficiently, then apply for a Citi credit card with your desired interest rates and rewards.