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Established Contributor
Posts: 560
Registered: ‎09-29-2012
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Re: Which Citi card do you think is best?

TYP.  Simplicity is just a no rewards BT card.  blah.  

Super Contributor
Posts: 15,254
Registered: ‎04-22-2013
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Re: Which Citi card do you think is best?

[ Edited ]

Simplicity has the long 0 APR period, not sure that any Citi card has an especially low standard APR.

Super Contributor
Posts: 7,132
Registered: ‎02-27-2013
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Re: Which Citi card do you think is best?

HiLine wrote:

enharu wrote:
Simplicity is the best card for BT or just extended 0% promos.

The TY preferred is the best card if your are basing it upon the standard offers. NPSL, and better rewards.

However if you are including all ongoing promos, then the thank you would be the best, since its the only card that has a 5X unlimited gas, groceries and drug stores offer.

How long is the offer good for, enharu? Is there a cap one the bonus cash back? If there is a cap that is low, the difference will be rather minimal ...

1 year for the 5X and its unlimited, like longtime said. The 0% APR promo period lasts for 14 months, as opposed to the standard 12 months for the TY cards.


johnpalley wrote:

what about the best citi card for a low apr and the highest credit limit? dont care about rewards

The lowest APR citi has for their cards is 12.99% (not including sign-up promos). If you're seeking a low APR card, check out the Barclay Ring card, and also offerings by credit unions. Credit cards offered by the bigger banks tend to have higher APRs.


The credit limit they issue you is dependent on your credit history and income, rather than the type of card you're trying to get. 

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Regular Contributor
Posts: 244
Registered: ‎03-21-2012
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Re: Which Citi card do you think is best?

I got the Simplicity back in January of this year after receiving offer in mail. I plan to PC it to TY after the 18 month 0% period is over. 

Starting Score 630 Score: Current FICO Scores: All above 725 (04/01/2015)
Sallie Mae World MC 9k; Chase Freedom 6.5k; CareCredit 13.2k; Amex BCP 21.8k;Amex PRG; BOA123 Visa Sig 20k; CapOne WMC 7.5K; CSP Visa Sig 2K; Citi Simp Visa 6.9k; CFCU Visa 17k; Discover IT 7K; JCP MC 8K; Macys Amex 7.5K/2k; PSECU Visa/PSL 20/20K; SamsClub MC 20k; Walmart 10k

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