Citibank is one of the huge four banks in the United States. It is owned and operated by CitiGroup. It is the highest credit card provider in the United States. Around 140 million credit cards have been issued by the bank in over 40 countries. Citi credit cards are issued by Citibank as Visa or Mastercard. It offers variety of credit cards so you can select the one that match your financial needs or lifestyle. The credit cards provide good deals and comprehensive range of products. Citibank credit cards are accepted at most of the stores.

There are 24 different Credit Cards from which 18 are designed for personal use, 3 for business purpose and the remaining 3 for students. All cards have different features, levels of incomes and spending limits. From 24 types of cards, 15 cards have no annual fee so you don’t have to pay any charge for using the card. These cards are further divided in to rewards such as Travel Rewards, Cash Back Rebates and ThankYou Rewards. Cash Back Rebates helps you to earn cash while you make purchases, transfers and cash advances using your card.

ThankYou Rewards let the students to earn 5 points for every $1 you spend at restaurant, movies, books and music as well as 1 point for every $1 spent on other purchases. Business users can earn 3 ThankYou points for every $1 spent on eligible purchases in rotating business categories. Travel Rewards allow users to earn 30000 American Advantage miles, if they spend $1000 for making purchases within 3 months. Users of all the cards can manage their account online.

For business owners, Citibank provides three cards such as CitiBusiness ThankYouSM Card, CitiBusiness/AAdvantage World MasterCard and AT&T Universal Business Rewards Card. From these three cards, only CitiBusiness/AAdvantage World MasterCard charges annual fee and has Purchase APR while other two are free to use and has 0% Intro APR on purchases for 6 months after that 13.24% APR will be charged. CitiBusiness ThankYouSM Card and AT&T Universal Business Rewards Card come with ThankYou Rewards while CitiBusiness/AAdvantage World MasterCard features Travel Rewards.

For College students, Citibank offers three cards such as Citi Forward card for College students, Citi Dividend Platinum Select Visa Card for College students and Citi Platinum Select Visa Card for College students without any annual fee. These college credit cards do not need any co-signer and have low introductory APRs on purchases. Citi Forward card for College students has 12.99%-21.99% variable APR after 7 months, Citi Dividend Platinum Select Visa Card for College students has 12.99%-20.99% variable APR after 7 months while Citi Platinum Select Visa Card for College students has 11.99%-19.99% variable APR after 7 months. Citi Platinum Select Visa Card for College students comes with Cash Back Rebates and Citi Forward card for College students features ThankYou Rewards.

For personal use, the bank provides 18 different cards like Citi Simplicity Card, Citi Platinum Select/AAdvantage Visa Signature Card, Citi ThankYou Preferred Card, Citi Dividend Platinum Select Visa Card, Citi Forward Card, Citi Diamond Preferred Card, Citi ThankYou Card, Citi ThankYou Prestige Card, Citi ThankYou Premier Card, Citi Hilton HHonorsTM Visa Signature Card, AT&T Universal Savings & Rewards Card, Citi Platinum Select Visa Card, AT&T Universal Savings & Platinum Card, Citi Platinum Select/AAdvantage World MasterCard Card, Citi/AAdvantage American Express Card, The New Citi Hilton HHonorsTM Reserve Card, Citi ExecutiveSM/AAdvantage World EliteTM MasterCard and Citi Gold/AAdvantage Visa Signature Card. From these 18 personal credit cards 10 cards have no annual fee, 6 cards include ThankYou Rewards and 9 have Travel rewards and 2 have Cash Back Rebates.

You can easily refer the features of all the credit cards in details at the website and then compare the cards side by side to get the best card for you. After selecting the card, you are able to apply directly from the website. Citibank credit card application process is very simple and takes only 10 minutes. To apply for the cards, your age should be 18 years or above and have a valid Social Security Number and a good credit history. You also have to fulfill the income criteria of the particular card that suits your need.

Step By Step Process To apply For Citi Credit Cards Online

• Visit, creditcards.citi.com, hit the “View All Credit Cards” option given under Credit Cards navigation.
• View and compare all the cards and choose the card that you want.
• Then, press the green “Apply Now” button.
• Now, submit the online form by entering your personal information (full name, address, date of birth, email address, Social Security Number and telephone number) and Employment & Financial Information (Annual Salary and Wages, Residential Status, Other Annual Income, Work Phone Number and Monthly Mortgage or Rent Payment) as well as agreeing to Terms & Conditions.
• You will get an email as you submit the form. The email includes a unique Application Reference Number and other details that are needed for login.