The Citi Classic card is more than just your standard piece of plastic, and comes with a rewards program that lets you score free retail goods, as well other perks.
When it comes to earning points, every $1 you spend equals 1 rewards point, but remember that this is capped at $5,000 per month. But if you’re worried about a limited timeline for cashing in these rewards, don’t be! Your points never expire.
For the first 90 days you can also claim 5% cashback on up to $1,000 spent on the card, and if you’re out for dinner, make sure to check if you can pick up a free wine through the Citibank Dining Program.
The card also comes with a decent $99 annual fee that is only $49 in the first year; cutting down the costs when you first pick up the card.
The 55 interest days this card provides gives you a little bit more breathing room when it comes to paying back your plastic purchases. Just as the availability for 4 additional cardholders give you a bit more freedom in how many people you want on the same account.
Who it's good for:
The extra rewards and high purchase rate make this card best for someone who is always going to make sure they pay off their debts, while also looking for a couple extra bonuses.
The Citi Platinum comes with a fairly high interest rate of 20.99%, which could spell trouble for cardholder who tend to carry a balance.