The rewards the Citi Signature card offers help to offset the sting of the relatively high yearly fee of $395 ($199 for the first year) and steep purchase rate of 20.99%.
Earning reward points is easy and quick - you will receive 1 point per $1 spent on all eligible domestic spend, and the points earning is uncapped meaning you can save them up for something fab.
The Signature card is especially well-suited to travellers. Not only does every dollar spent internationally convert to four reward points, but the card also comes with complimentary travel insurance, concierge service and airport lounge visits.
Who it's good for:
The Citi Rewards Signature credit card suits anyone who is earning over $75,000 a year and is interested in a card that comes with plenty of perks.
Get into the habit of paying your balance off in full each month or you'll be paying a high 20.99% interest rate on those purchases.