Reply
Valued Contributor
takeshi74
Posts: 2,307
Registered: ‎06-05-2013

Re: Citi Bank


Skye12329 wrote:

I see on the website that it says none, but i want to make sure there is no fine print.  


Their site is the source to refer to.  If the site says there is none then there is none.

Senior Contributor
longtimelurker
Posts: 5,372
Registered: ‎04-22-2013

Re: Citi Bank


FinStar wrote:

 

The Citi TY Preferred is currently issued as a standard Visa - no AF (I have the Signature version but it is very uncommon).  

 


 

I was surprised at this, but seems to be true!  The terms and conditions state that this is a NPSL card which I thought (in the MC/V space) meant Sig or World.   Looking more, it looks like the old plain TY Card has gone (there is still one for biz) so they have consolidated...

Most active cards: Amex BC ($50K), Cap One QS ($33K) Fidelity Amex ($20K)
Others: CSP, Freedom, Chase Amazon, Cap One QS, Penfed Plat Rewards (x2), Citi TY Preferred, Citi Dividend, Citi AA Plat Select, Citi Forward, Amex BCE, Amalgamated Bank, Sallie Mae, Cash Plus
Scores May 14: EQ 848, EX 833, TU 841 (Jul)
Senior Contributor
longtimelurker
Posts: 5,372
Registered: ‎04-22-2013

Re: Citi Bank


Skye12329 wrote:
Well ultimately I pick my cards based on how they look X'S and rewards. At this point I wouldn't mind if it had rewards or not I have thought about the simplicity but I wouldn't mind points on dining either. Again though just need a new visa. I have mainly MC will probably go for discover in 2015

Well, I can't address the look  (or the wisdom of having that as a selection criterion!), but the rewards are nothing special on this card, unless the entertainment category is particularly valuable to you, and you don't have a card that does better.  2x TYP isn't all that valuable as the rewards are hard to redeem for cash.

Most active cards: Amex BC ($50K), Cap One QS ($33K) Fidelity Amex ($20K)
Others: CSP, Freedom, Chase Amazon, Cap One QS, Penfed Plat Rewards (x2), Citi TY Preferred, Citi Dividend, Citi AA Plat Select, Citi Forward, Amex BCE, Amalgamated Bank, Sallie Mae, Cash Plus
Scores May 14: EQ 848, EX 833, TU 841 (Jul)
Valued Contributor
FinStar
Posts: 5,156
Registered: ‎10-21-2012

Re: Citi Bank


longtimelurker wrote:

Skye12329 wrote:
Well ultimately I pick my cards based on how they look X'S and rewards. At this point I wouldn't mind if it had rewards or not I have thought about the simplicity but I wouldn't mind points on dining either. Again though just need a new visa. I have mainly MC will probably go for discover in 2015

Well, I can't address the look  (or the wisdom of having that as a selection criterion!), but the rewards are nothing special on this card, unless the entertainment category is particularly valuable to you, and you don't have a card that does better.  2x TYP isn't all that valuable as the rewards are hard to redeem for cash.


+1

Practicality, service/acceptance and rewards structures are more of the appeal for me IME.  Realizing everyone has different reasons, you'd hate to select a product based on looks if it offers nothing substantial in return other than just a payment form (and maybe that's ok for some folks).  In the general sense, as longtimelurker pointed out, the TYP is an 'ok' card.

Valued Contributor
FinStar
Posts: 5,156
Registered: ‎10-21-2012

Re: Citi Bank

[ Edited ]

longtimelurker wrote:

FinStar wrote:

 

The Citi TY Preferred is currently issued as a standard Visa - no AF (I have the Signature version but it is very uncommon).  

 


 

I was surprised at this, but seems to be true!  The terms and conditions state that this is a NPSL card which I thought (in the MC/V space) meant Sig or World.   Looking more, it looks like the old plain TY Card has gone (there is still one for biz) so they have consolidated...


Imagine my shock as well since when I applied in July I didn't really think it was offered as a Signature version, being that they had just switched it from being dual (V & MC), and the TY Premier had gone into seclusion.  Almost like the standard Citi Forward, you don't see many of those in Signature versions.

Frequent Contributor
chwebb1
Posts: 487
Registered: ‎10-11-2013

Re: Citi Bank

What is your reasoning for wanting a Citi card? I have the Dividend, and I'm happy with it. I'll definitely keep the card for the long term. Are you looking for rewards, purchase protections, customer service, or something else?

 photo NUS000000012_160X101_STRAIGHT.gif photo NUS000000180_160X101_STRAIGHT.gif photo ScreenShot2013-10-12at111542PM.png photo DISCOVER_IT_LG.gif photo 8BEB_SIGNATURE_VISA_CASH_REWARDS_190x124.jpg photo HNY2HNY2.png photo bankamericard-better-balance-rewards-credit-card-small.png photo SLM2SLM2.png
$5000 ............ $4300 ............ $4000 ............ $2750 ............ $2500 ............ $1000 ............ $1000 ............ $1000
In the Garden until at least January 2015 (hopefully).

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+