Citi Simplicity: 0% APR for 18 months
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Citi Simplicity: 0% APR for 18 months
Get a 0% interest rate on purchases and balance transfers for 18 months via the Citi Simplicity MasterCard, perfect if you're working your way towards the end of credit card debt or considering a big ticket purchase. Carrying a balance beyond the first 18 months will get expensive because the variable APR returns to a relatively normal 12.99%-21.99%, depending on your creditworthiness. There is no annual fee but there is a balance transfer fee of 3%, which is fairly standard for this type of offer and acceptable given the long 18 month term. Annualized over 18 months the 3% fee plus the 0% rate works out to about 2%, which is a big difference if you're paying high interest right now!
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Citi Simplicity: 0% APR for 18 months
Get 0% intro APR on purchases and balance transfers for 18 months when you sign up for the Citi Simplicity MasterCard. If you are paying off a credit card debt or making a big ticket purchase, this card can save you a considerable amount of interest. Balance transfers do charge a 3% transfer fee (or $5, whichever is greater), the standard rate for this kind of offer. Annualized over 18 months, the 3% fee at 0% interest works out to around 2%, which is a big difference from normal credit card rates. Better yet, there are no late fees and no annual fee.
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2 Nights at ANY Hilton with Reserve Card!
The Hilton HHonors Reserve Card has a lucrative bonus for early users: 2 free weekend nights (Fri, Sat, Sun) at Hilton hotels and resorts (including the Waldorf Astoria and Conrad brands, which can run over $700/night) after spending $2,500 within four months. You also get free HHonors Gold status, which is normally earned with 16 stays or 36 nights. This means free internet, room upgrades and free breakfast, or bonus points. You can also get HHonors Diamond status by spending $40k in a year. Use the card and you'll also earn a whopping 10 points per $1 on Hilton stays in the Hilton HHonors portfolio, 5 points on flights and cars and 3 points on everything else. Plus, each year you spend $10k, you get one more free weekend night. There is a $95 annual fee. Hilton also has a no-fee Visa Signature Card which is a solid card but has less lucrative benefits, bonus and rewards.
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Citi Platinum AAdvantage Visa: 30K Miles
Sign up for the Citi Platinum Select American AAdvantage Visa Signature Card and get 30,000 bonus miles, which I value at about $600, when you spend $1,000 in the first three months of card membership. You'll also earn 2 AAdvantage miles for every $1 you spend on American Airlines purchases and 1 AAdvantage mile for every $1 spent elsewhere. More importantly, your first eligible bag will check for free, you'll get priority boarding with Group 1 privileges, and can earn 10% of your redeemed miles back each year . You'll also get a $100 American Airlines flight discount for each year you renew your membership and spend $30,000. Your annual fee of $95 is waived for the first year.
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Citi Dividend Platinum: $100 Back, 0% APR
Sign up for the Citi Dividend Platinum Select Visa and get $100 after spending $500 within three months. You also get an introductory 0% APR on purchases and balance transfers for one year. Plus, there is no annual fee. You also earn a 5% cash back bonus on categories that change each quarter with enrollment (until June 30th, you'll get it on Home Depot, home furnishing stores and home and garden store) and you'll earn 1% back on everything else.
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Citi Thank You Preferred: $150 GC Bonus
Sign up for the Citi ThankYou Preferred Visa Card right now and and get 15,000 bonus Thank You points when you spend $1000 in 3 months. These points can be redeemed for $150 in gift cards at various merchants. You'll also earn 1 point for every dollar spent, which can be redeemed for travel rewards, gift cards, cash back, and more. There's no cap or expiration date on the points you earn, and there's no annual fee.
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Citi Dividend for College: Up to 5% Back
Sign up for the Citi Dividend Platinum for College Students and get 5% back on rotating categories, like department stores, travel and more, with enrollment. Plus, you'll earn 1% back on everything else. There's also no annual fee and 0% APR for 7 months. An an extra protection, you'll also get $0 liability on fraudulent charges and identity theft protection.

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