CitiBank Credit Cards for College Students

The one thing that students are most excited about when moving off to college is their new found independence. Although this great independence is very exciting, students must also prepare for it wisely. One area in which students need to be prepared to handle themselves is their finances. Luckily, CitiBank credit cards offer a number of specialty cards create just for students. At CustomerCreditCards.com we have these offers available for you to search through to find the best fit for your college needs. Here are examples of two student credit cards CitiBank has available:

·         Citi Forward® Card for College Students: This student credit card offers a number of rewards to help students learn how to properly and responsibly use credit. For instance, it offers special APR reductions when the credit is used wisely as well as gives 100 ThankYou Points® when payments are made on time and when students stay under their credit limits. This student card does not require a co-signer, making it even easier for students to apply for it.

·         Citi® mtvUTM Platinum Select® Visa® Card: With this student credit card college students can earn a number of rewards for being responsible with their finances as well as their education. For example, students can earn 5 ThankYou Points® for every dollar spent at restaurants, bookstores, record stores, movie theaters and video rental stores with an additional 2000 ThankYou Points® twice a year for having a good GPA.

These specialized CitiBank credit cards give college students that opportunity to learn how to responsibly use credit, while building their credit history all at the same time. For more information about these and other student credit cards please visit our website today.

Earn Free Stays with Hilton HHonors CitiBank Credit Cards

One of the most expensive factors of traveling is paying for a place to spend the night. Whether you need to go on frequent business trips, visit family members that live across the country, or just want to take your family on a fun vacation, using CitiBank credit cards like the Citi® Hilton HHonors™ Visa Signature® Card can help you earn free stays. 

 Booking a hotel in New York City could easily cost you anywhere from $250 or more per night. In Los Angeles, reserving a hotel could cost you just as much if not more. Especially in today's economy, having to spend this much money for just a single night's stay can severely limit your traveling plans. 

Using CitiBank credit cards that feature Hilton HHonors rewards can be the answer to all of your traveling problems! Just by using this type of credit card to make your everyday purchases you can earn HHonors Bonus Points which can then be redeemed for free night's stays at any participating Hilton Hotel. For example, customers can earn:

·         6 HHonors Bonus points for every $1 they spend at a Hilton Hotel

·         3 bonus points for every $1 spent at grocery stores, drug stores or gas stations

·         1 HHonors Bonus points for every $1 spent on any other kinds of purchases

Since you will be earning points for virtually every purchase, you are sure to earn a free stay at any Hilton Hotel fast. By cutting down on the cost of hotel stays, taking trips will become a lot more affordable and allow your business to grow across the country or you to take your family on more fun-filled vacations.

Explore the World with CitiBank Credit Cards

If you are the adventurous type, a person who has always wanted to travel and explore the world, CitiBank credit cards can help you achieve this goal. Nowadays the prices of airplane tickets have continued to increase tremendously, easily costing you over a $1,000 for a round trip. These high prices combined with a suffering economy means many people are forced to put their dreams of seeing the world on hold indefinitely. Now, with the help of reward points from CitiBank credit cards, people can keep this dream alive!

             

Most CitiBank credit cards come with a variety of rewards and cash back bonuses their customers can earn from making purchases with the card. One of these rewards people can earn is airline miles. CitiBank offers a Citi® Gold / AAdvantage® World MasterCard® specifically for individuals looking to gain these miles. This card is perfect for helping people get the airplane tickets they need at a price they can afford (free!). This is how the card works: first, if a person makes a $750 worth of purchases within the first 4 months of having the card they will earn 30,000 American Airlines AAdvantage® bonus miles. That is more than enough miles for you to take a round trip from New York City to Sydney, Australia! After this 4 month time period has concluded, customers can then earn 1 American Airlines AAdvantage® bonus mile for every $1 spent on purchases. Other rewards include reduced mileage on certain destinations making it even easier for you to use your earned American Airlines AAdvantage® bonus miles to travel and explore new exciting locations!

             

For those who have a passion for traveling, but are limited financially, choosing CitiBank credit cards such as the Citi® Gold / AAdvantage® World MasterCard® will help get you to the places you have always wanted to see!

Best Credit Cards For Balance Transfers

Less than five months gone in 2011 and already, it looks like a banner year for credit. Unemployment is down, the economy is adding jobs and people are starting to pay back what they owe. If you would like to be one of them, there is no better way than with balance transfer cards.

Balance transfer cards help you save money by transferring your balance from a high interest rate card to a card that has a zero percent introductory rate on balance transfers, giving you a grace period to pay off your outstanding balance. These cards allow you to pay off high balances racked up during big events like paying for a wedding or starting a small business. Learn about two of the best balance transfer cards below, or let Customer Credit Cards show you more helpful hints.

MORE by Discover Credit Cards: Discover Credit Cards offers MORE, a card long thought to be the industry leader in balance transfer cards. As of May 1, however, the card’s 18-month grace period on balance transfer interest has been reduced to 15 months. While this will likely deter some would be transferors, the card still offers some sterling features. The balance transfer interest rate may have been reduced but the 0% intro on new purchases has increased from six months to 15 months. Some other noteworthy features of this card are the 5% cash back structure on rotating categories such as food, travel, gas, entertainments, home improvement, etc. With no annual fee and a balance transfer fee of just $10 or 4% of the transfer amount, this card is still one of the best values around for balance transfer customers.

Citibank Credit Cards Platinum Select MasterCard: This Citibank credit card offers zero percent intro APR for a whopping 21 months! This grace period leads the industry. After the intro period is over you will incur an APR between 11.99% and 20.99%. This card comes with no annual fee and a generous cash back structure that includes gift cards, travel, merchandise, etc. Besides having a longer grace period, the Citibank Credit Cards Platinum Select offers a lower balance transfer fee than the Discover Card with a fee of just $5 or 3% of the transfer amount (whichever is greater).

Compare these and other credit card offers at CustomerCreditCards.com.

Best Small Business Credit Cards

Best Small Business Credit Cards
When starting a small business, it may seem counterintuitive to have credit card debt right off the bat. But like any business, you have to spend money to make money. And for small business owners, credit cards have benefits well beyond great cash flow and ease-of-use.

The hardest part of entrepreneurship for most small business owners is bookkeeping; developing the discipline to create, and keep, an effective budget. Business credit cards allow small business owners to keep business and personal expenses completely separate.

This comes in handy when tax season rolls around. Credit card statements and online tools make it easy to extract your business expenses on your Schedule C or other business tax forms. If you ever get audited, you have a much better case if you can show that you keep your business and personal expenses completely separate. It also makes bookkeeping easier because your credit card company automatically tallies up and, in most cases, categorizes your expenses for you.

Some credit cards help you out more than others. At CustomerCreditCards.com, you can compare these cards side-by-side and see which will help you most effectively. Here are just a few that we love.

True Earnings Costco Business American Express Credit Card

This card tops tons of small business hot lists for its high-value rewards on things small business owners need like travel, gas and entertainment expenses. The card offers 4% cash back on your first $6,500 worth of gas at any Costco or domestic gas station; 3% cash back on eating out and dining at restaurants; 2% cash back on all travel purchases which include plane tickets, lodging, cruises, tour operators; etc, and 1% cash back on everything else.

Citibank Credit Cards Dividend Rewards Card

Citibank Credit Cards Dividend Rewards Card offers 5% off of gas, groceries, drug stores, and utilities for 6 months, after which it becomes 2%. Also, there’s 1% cash back on everything else.s

Simply Cash OPEN American Express Credit Card

When it comes to cash back, you can’t beat Simply Cash, an American Express Credit Card. The card offers 5% cash back on office supply and wireless purchases, 3% cash back on all automobile gasoline purchases and 1% cash back on everything else. Cash back is automatically credited every month. But unlike a lot of other small business cards, Simply Cash requires no annual fee.

Check out these and other credit card offers at CustomerCreditCards.com.

Michaels Debit Card Fraud Spotlights Need For Credit Cards

As more details emerge about Michaels—the craft supply chain where employees allegedly installed debit card skimmers to track and collect customer information, clone debit cards and steal millions from customers in 20 different states—one fraud professional is warning against the use of debit cards as a form of payment. Instead, he says, credit cards have become the safest form of payment.

Frank Abagnale, a former fraudster turned security consultant who was the inspiration for the film "Catch Me if You Can," told ABC News this week, "I don't have a debit card. I believe it's one of the worst financial tools ever given to the American public."

Abagnale became notorious in the 1960s for passing $2.5 million worth of meticulously forged checks across 26 countries over the course of five years, beginning when he was 16 years old. After serving less than five years in federal prison, he went to work for the FBI and later started his own security-consulting firm. Abagnale sees the recent Michaels case and believes there is a better way.

"The safest form of payment that truly exists on the planet is the credit card," says Abagnale. "I removed 99 percent of the risk because I spend the credit card company's money. If someone looks over my shoulder and gets my number, I have zero liability."

Abagnale may be on to something. Companies like American Express Credit Cards, Citibank Credit Cards and Discover Credit Cards have installed complex fraud preventions to protect your charges and your credit score. Feel free to shop and compare them at CustomerCreditCards.com. But, until then, here are a few highlights of their services.

Forget those free credit report commercials offering a free glance at your credit score. What those commercials tell you in lightning fast jargon at the very end is that you will be automatically enrolled in Triple Advantage, a $15/month credit monitoring system that will simply watch over your credit score and alert you if there are any changes. Citibank Credit Cards offer a better way. With Citi Identity Monitor, you pay just $12.95 per month, which provides you with the same monitoring, plus online access to fraud and credit education. And, the best part is, you get Identity Theft Expense Reimbursement Coverage of up to $25,000.

Keeping your information stable and secure is part of keeping healthy credit. With that in mind, Discover Credit Cards sends by-phone and e-mail alerts for any of the following changes: new accounts opened in your name, new applications for credit, address changes, public record changes, and any other potentially negative information on your credit files.

In November 2010, American Express Credit Cards added another layer of security for its customers—online certainty. The company purchased Accertify Inc., a company that sells fraud prevention services to online retailers and other merchants. Together with Accertify, American Express Credit Cards can offer an extra layer of security when consumers choose to buy online.

Going Somewhere? Get Out Of Town With American Express Credit Card Miles This Summer!

Summer is almost here once again and the beauty of the great outdoors is calling. So, what’s the reason able thing to do? Take a vacation. After all, those vacation days aren’t going to spend themselves! But before you decide where to go, you should take a look at your credit card. Are you getting all the free travel you could be out of your credit card?

By asking a few key questions (and getting the right answers) you can maximize your travel potential and pay less for your vacation. Would an American Express credit card save more on air miles than a Discover credit card? What are the blackout dates like on a Citibank credit card? Does my credit card offer miles on all the largest airlines? When it comes to air travel, no one has more reward options than American Express credit cards.

One of the first things to look for in a credit card with good air miles is how the card allows you to build up points that can be used for air travel. For example, American Express Credit Cards released the Starwood Preferred Guest card, which lets you earn at least one StarPoint for every dollar spent. Purchases made at Starwood hotels earn double points in addition to the points you would normally earn for your stay. All together, this can total 5 Starpoints for every dollar spent. Also, Starwood points can be redeemed at any Starwood hotel for any room available at any time. There are no blackout dates or capacity restrictions.

Some cards are better for road warriors than others. If you are someone who constantly travels for work and spends more time in the air than in your home, look into cards like the Platinum Rewards American Express credit card. Many traditional travelers balk at the $450 annual fee, but that buys you $200 a year in airline fees like checked bags, in-flight meals, access to Priority Pass Select airport lounges (normally $249 for 10 visits), and zero foreign transaction fees.

One frustrating part of any air traveler’s journey is going through airport security. But when American Express credit cards did away with foreign purchase fees, they also added free membership to Global Entry, which offers expedited security clearance for pre-approved travelers entering the United States.

So let American Express credit cards put you in the air this summer with better travel rewards.

You can get more information on these cards and other card offers at CustomerCreditCards.com

The Best Credit Cards for Each Stage of Life

Just like clothes, cars, friends, and homes, as we go through the different stages of our life, we grow out of our credit cards. We start to want different rewards, different features, and different perks to help navigate our new financial course. But which credit card to choose? CBS Money has come up with a card for each stage of life that will help you choose the card that is best for you, including Citibank credit cards, American Express credit cards, and Discover credit cards. 

For College Grads

For new graduates, Lynnette Khalfani-Cox, author of "Perfect Credit" and founder of the free financial advice blog "Ask The Money Coach," recommended the Citibank credit card known as Citi Forward. This card offers young spenders benefits for paying on time, like an up-to-2 percent reduction on their interest rate. Beyond this offer, which is currently featured on CustomerCreditCards.com, Forward rewards you for doing things socially, like visiting the movies, restaurants or coffeehouses—great for young grads. 

For Newlyweds

Paying for a wedding? Want to transfer your debt from your college interest cards to something better? Try the Discover More card offered by Discover credit cards. Discover More offers 18 months with 0 percent APR on balance transfers, so you have a year-and-a-half to pay off those old debts that have been hanging over your head. 

For Parents

Want to get a head start on the college fund but don’t know how to get it going? Let your credit card do the work. American Express credit cards partnered with Fidelity Investments to give you cash back rewards that go right into a Fidelity account for college. They’ll get there sooner than you think. Best to be prepared.

Each of these stages is unique, so it is best to examine these cards carefully and make sure you have the best information available before signing up for any credit card. But with CustomerCreditCards.com, you can make a more informed decision, no matter what stage of life you are in.