Citibank Credit Cards Thank You Network

Citibank's Thank You Network has a special holiday pricing going on right now! From Nov 2 - Dec 28 2006 you can get certain gift cards for less points. This is a pretty cool deal! Here are the details from their website:

Gift cards can be shipped in as few as 3 business days*.

	Banana Republic –	$50
	Crabtree & Evelyn® –	$50	$100
	Eddie Bauer® –	$50	$100
	Gap –	$50	$100
	Lands' End® –	$50	$100
	L.L. Bean –	$50	$100
	Macy’s –	$50	$100
	Pier 1 Imports® –	$50	$100
	Spa Finder® –		$100
	The Sharper Image® –	$50	$100
	Avis® –	$50	$100
	Carnival Cruise Lines –		$100
	Marriott® Cheque –	$50	$100	$200
	Ritz-Carlton® Currency –	$50	$100	$200
	Royal Caribbean® International –		$100
	Bennigan's® –	$50
	Legal Sea Foods –	$50	$100
	Omaha Steaks® –	$50	$100

Credit Card Offers

I was scouting for some new offers but was disappointed. Citibank who usually has a lot of $100 sign up bonuses has reduced their bonus offers and changed their ThankYouNetwork point to dollar ratio. Their Premier Pass Card commercials that offer 15,000 bonus points has one down side, an Annual fee.

Citi Simplicity Card (Click on the Card for Details)

• $100 Sign up Bonus
• No Annual fee. Reward points for every dollar spent
• 0% for 12 months on balance transfers& NO BALANCE TRANSFER FEE!
  

Bank of America Amex Card (Click on the Card for Offer Details)

• No annual fee and the flexibility to pay over time.
• Introductory 0% Annual Percentage Rate (APR)^† for Cash Advance Checks and Balance Transfers through your first twelve billing cycles.* (subject to a 3% transaction fee, no less than $10)
• Receive a $50 Statement Credit after qualifying transaction(s).^§§
  

New Credit Card Offers

I came across some interesting credit card offers listed below:

1. Nascar RacePoints Visa from Bank of America
If you are a Nascar fan this just might be a card for you. It offers 0% for 12 months on balance transfers AND cash advance checks. There is a 3% balance transfer fee. ALSO you get a FREE NASCAR LICENSED TAILGATE CHAIR after your first qualifying purchase. Checkout there rewards:
"Earn NASCAR RacePoints reward points every time you make a purchase. Here are some of the cool items and experiences you can earn:

1,500 Points: Car flag of your favorite driver
5,400 Points: 1:24-Scale diecast car
14,900 Points: ProScan 100 scanner
50,000 Points: Access to driver-introduction Red Carpet area
175,000 Points: Crew Member for a Day "- Copied from the offer page.

2. Citi Diamond Preferred Rewards Card
Main features: 0% on balance transfers for 12 months. $100 Gift Card after first purchase! and you earn 5 points per $1 spent at supermarkets, drugstores and gas stations!

GET AN IPOD NANO AND A MLB JERSEY FROM Bank of America

"Introducing the MLB™ Extra Bases™ credit card. The only credit card on the planet that earns you points towards autographed memorabilia by past and current players, VIP access, field-level game tickets, travel rewards and even cash rewards that will blow you away!" (Excerpt from the credit card application)

Bank of America / MBNA have launched a new card called the "MLB Extra Bases Credit Card" apply for the card and you get:

1. Get an official MLB™ licensed jersey - after your first qualifying transaction(s).§
2. In addition, receive an Apple^® iPod nano by making any combination of purchase or cash advance transactions (balance transfers included) totaling $2,000.§
3. Introductory Annual Percentage Rate (APR)^† - for Cash Advance Checks and Balance Transfers through your first twelve billing cycles.* (subject to a 3% transaction fee, no less than $10
4. On top of all these unbelievable rewards, this card offers secure online access, 24/7 fraud protection and no annual fee.†

Fine Print:
To qualify for the first reward (an official MLB™ licensed jersey), respond to this offer and use your new account within 90 days of the date the account is opened by FIA Card Services, N.A., to make any combination of purchase or cash advance transactions (includes balance transfers) totaling at least $75 (excludes transaction fees). Limit one (1) jersey per new account.

In addition, to qualify for the second reward, a 1GB Apple^® iPod nano, respond to this offer and use your new account within 90 days of the date the account is opened by FIA Card Services, N.A., to make any combination of purchase or cash advance transactions (includes balance transfers) totaling at least $2,000. Limit one (1) 1GB Apple iPod nano per new account.

Allow 8-12 weeks for delivery after qualifying. Offer sponsored by FIA Card Services, N.A.: we may substitute an item of equal or greater value and we are not responsible for lost, stolen, or undelivered merchandise. U.S. residents must be 18 to apply for a credit card.

Credit Card Deals

Lets look at some of the hot credit card deals out there!

Bank of America rewards American Express Card
This card has a few good perks.
1. No annual fee
2. 0% APR on balance transfers and cash advance checks for the first 12 months!
3. AND you get a $50 Statement Credit after qualifying transactions

Other Perks:

• Double points on dining and travel purchases until Jan 2007
• Low standard APR of 7.9% for purchases (Depends on your credit)
• Free Additional cards and much more! You can check this offer out by clicking on the card image.
  

Citi Diamond Preferred Rewards Card
This is another great card with a lot to offer!

1. No annual fee
2. $100 gift card through their ThankYou Network after first purchase.
3. 0% APR on balance transfers for 12 months!
4. And right now offering 5 reward points for every $1 spent at supermarkets, drugstores and gas stations. That equates to 5% back on those purchases.

Other Perks:
Citi's balance transfers are way to simple. All you need to do is login to your credit card and transfer funds immediately to any bank account or credit card you want. You can make money off this offer by putting the money in a high yield savings account for 12 months and then paying it off once the 0% deal is over. You will be earning around 5% on their money! If you need more information on this feel free to email me. CLICK on the card image to link to their promotional offer.

THE PLASTIC AGE

For most people credit cards and debit cards are the primary source of payment for anything they purchase. But have you focused on how you can benefit from using the plastic?

Here is a list of things that I look for in credit cards:
1. No annual fee!
2. Low interest rate but depends if you pay your bill in full which I highly recommend this is not a main concern.
3. Rewards, cash back program

What about debit cards?
Not many banks that issue debit cards offer any incentive but from my dealings Bank of America has the "Keep the Change" program and Citi mails me a card to earn up to $5 like once a year for using my citi debit card.

I prefer bank of America since if I really do have to use my debit card the Keep the Change Program adds up. How it works is that say I bought coffee for $4.50 at the end of the day they round that up to $5.00 and move the extra $0.50 from my checking to savings. They match my savings 100% for the first 3 months and 5% there after. One thing that bugs me is that you get the match up bonus on your anniversary date. Wish they did that monthly.

If you are applying for a card make sure you look for the best deal. I look for a sign up bonus be it a $100 or a free ipod. Then I look for what the card offers: the rewards program. Look for any cap on the amount you can earn, and qualifying purchases for points/rewards. A possible 0% balance transfer offer with no transaction fee to make money off of their money!

So what cards do I carry? A few that I used most often:
Amex Blue - One of the first cards I got. Not my ideal choice. Offers upto 5% cash back on gas and drugstore purchases BUT WAIT! The fine print is that you need to spend 6500.01 to get that before that there is a 0.5% on everyday purchases and 1% on gas. Not all transactions qualify for cash back!
Citi Simplicity - I got this card for the 10,000 sign up bonus in Thank You points that equates to a $100 gift card. Overall its a good card that offers a flat 1 point per dollar for every purchase not the best when it comes to rewards but it does offer a 12 month 0% balance transfer with no transaction fee!
Bank of America Power Rewards - Another card I like, 1 point for every dollar spent, ease of paying at any bank of America. Again I prefer a 5% back on gas and such. But this is good if you need to pay bills, tuition etc using a credit card and earn points on it. From my experience BoA has given me points for paying my tuition but AMEX did not :( I paid over $7000 and got nothing from AMEX wish I had used BoA or Citi~!

I will scout for the best credit card offers and post them ASAP I am aware of a few that seem great like the Chase Rewards and Bank of America AMEX card but I would like to finish my research to provide you with all the details so you can make a wise decision!

Mastercard Visa Image retrived from the internet and has no relationship with this website.