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Author: Robin Saks Frankel, @robinsaks | Last Updated: September 6, 2018
This card has a solid introductory offer, which makes it a great choice for the consumer who wants to make a big purchase and pay it off slowly. And because of its generous stance on late fees (there are none), it’s also a solid option if you need flexibility with payments.
Who should get this card
Anyone wrestling with high-interest credit card debt should consider the Citi Simplicity card. It’s generous 18-month introductory zero percent APR offer on balance transfers gives debtholders an opportunity to pay down their bill without accruing additional charges. This card also has access to Citi’s Price Rewind program, which will refund the price difference if you made a purchase that can be found for less elsewhere.
After the introductory period expires, this card has an ongoing variable APR of 15.74 to 25.74 percent. On the low end, that’s a pretty good interest rate, but you may be able to find a cheaper APR.
This card earns high marks for its outstanding rewards program and generous sign-up bonus. It also offers a number of airport and in-flight perks.
Who this card is good for
If you frequently fly American Airlines, this card is hard to beat for its generous rewards program and perks like priority boarding and free checked bags for you and up to four others in your party. Also, if you use the generous sign-up bonus toward a trip abroad, this card has no foreign transaction fees.
But unless you almost exclusively use American Airlines, this may not be the best card for you as the rewards are not transferable to another airline or program. Note the $99 annual fee, which could cut into the total value of your rewards.
The APR is a variable 17.74 to 25.74 percent.
This card has a simple rewards structure with no categories to track, no cap on cash back and no annual fee.
Who should get this card
This card is best for those seeking an affordable cash-back card with generous rewards on all purchases and an easy-to-use rewards structure. There’s no chasing bonus categories, no rotating categories, and no annual fee.
This card charges a variable APR of 15.24 to 25.24 percent.
If you typically carry a balance or often fail to pay on time, this may not be the card for you. There’s also no sign-up bonus, something you’ll find on other competing cards. days.
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