Quick Credit Card Comparison

You’re looking for a new credit card but with the market saturated with different deals which one should you choose? To answer this question you first need to look at what each card is offering. Are you looking for a card with the lowest interest rate or do want a card that offers you perks such as cash back? Knowing exactly what you want will help you to narrow down your options and then more accurately assess the best deal for you.

Sometimes though it’s the credit card that chooses you based on your credit rating. If you’ve got a chequered credit history then you aren’t going to be offered a credit card like the Citi Platinum Select Card. In addition to your credit history a bank will also consider your repayment history, how long you’ve had certain cards and the ratio between your income and your credit. Making sure you keep your credit history clean is crucial f you want to be offered the very best deals from your bank. Indeed, more exclusive cards mean lower interest rates, better customer service greater rewards and better cash back bonuses. If you have an excellent credit score (750 and above) then how do the top three credit cards stack up?

Discover More (SM) Card

Intro APR: 0%
Regular APR: 11.99% – 18.99%
Annual Fee: None
Intro Period: 6 Months
Balance Transfer: Yes
Unlimited cash rewards, automatically
Up to 20% Cash back Bonus when you shop online
Double rewards with more than 100 Cash back Bonus Partners
Customer Service in less than a minute, anytime you want
0% Intro APR for 6 months on Purchases, and up to 6 months on Balance Transfers

Citi Platinum Select Card

Intro APR: 0%
Regular APR: As Low As 11.99% (V)
Annual Fee: None
Intro Period: 6 Months
Balance Transfer: Yes
0% APR on balance transfers and purchases for 6 months
No annual fee
Citi Identity Theft Solutions and $0 Liability on unauthorized purchases

Citi Forward (SM) Card

Intro APR: 0%
Regular APR: 14.24% (V)
Annual Fee: None
Intro Period: 6 Months
Balance Transfer: Yes
Up to a 2% purchase APR reduction when you make a purchase, stay under your credit line and pay on time 3 billing periods in a row.
6,000 bonus points after $50 in purchases are made within 3 months of account opening.
5,000 bonus points when you sign up for paperless statements within 3 months of account opening.
5 reward points for every $1 you spend on dining, books, movies and music. 1 reward point for every $1 you spend on other purchases.
0% APR for 6 months on purchases and balance transfer