For people with small or medium-sized businesses and wanting a credit card that rewards spending, the AT&T Universal Business Rewards Card from Citi advertises no annual fee, 0% introductory APR for the first 6 months, and a generous rewards program that gives bonus ThankYou points on business-related purchases. Enabling you to earn up to 5X ThankYou points for each $1 spent on AT&T goods and service expenses and 3x and 1x ThankYou points elsewhere, these points are redeemable for cash, merchandise and gift cards, and travel benefits with the their ThankYou Rewards network.

Key Features:

• Designed for businesses with an established credit history
• 5 ThankYou Points for every $1 spent on eligible AT&T products and services purchased directly from AT&T
• 3 ThankYou Points for every $1 spent on purchases at certain office supply merchants, gas stations, and on professional services
• 1 ThankYou Point for every $1 spent on other purchases
• Earn up to 100,000 points in a calendar year
• Redeem your points for: air travel, statement credit, gift cards, merchandise and more
• 0% APR on purchases for the first 6 months. After, 14.24%. APR will vary with the market rate based on the Prime Rate.
• No annual fee
• Additional cards for employees with credit limits you set

Other benefits received using this card include prescription drug discounts (also available for employees for $10/mos.), optional vision and dental discounts for $8.95/mos, travel and emergency assistance, automatic travel accident insurance along with rental car insurance. Moreover, receive additional employee cards at no cost, get quarterly and annual spending statements, and free personal business assistance to help you make travel arrangements, gather business information and offer referrals for office and administrative needs. This card definitely appears to have the many perks and services essental to a small business wanting to improve the way it functions. Citi boasts that the AT&T Universal Business Rewards card was created to assist drive your business to work more proficiently, saving time and money, all the while rewarding you for it. Apply today and discover what it can do for your business.

Tailored to individuals who spend on entertainment and eating out, the Citi Forward Visa rewards credit card is giving 5X ThankYou points for each $1 spent at book stores, record stores, restaurants, including fast food restaurants, movie theaters, and video entertainment rental stores, and 1X ThankYou Point for each dollar you spend on all the other purchases. Earning rewards points beyond the usual spending is quite feasible using this card- earn up to 75,000 ThankYou Points during any year; receive 1,000 bonus ThankYou Points just by applying for Paperless Statements and 100 bonus ThankYou Points at the end of every billing cycle when you make your payment on time and which you aren’t over your credit limit. Unlike the majority of cards, you can also get up to a 2% purchase APR reduction whenever you make a purchase, stay under your credit limit, and pay on time 3 billing periods consecutively. Redeem points for everything from millions of merchandise choices to travel reweards to cashback.

Key Features:

• $100 in gift cards – When you redeem the 10,000 bonus ThankYou© Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months
• 0% intro APR for 12 months on balance transfers and for 7 months on purchases. After that, 12.99% – 22.99% variable
• 5 points for every $1 spent at restaurants and on books, movies and music. 1 point for every $1 you spend on all other purchases
• Want to lower your purchase APR? All you have to do is make a purchase, stay under your credit limit, and pay on time 3 billing periods in a row and we will lower your APR for purchase by up to 2% (0.25% each quarter, 8X maximum)
• No Annual Fee

If you’re in the marketplace for a credit card that earns you generous rewards when paying for dining and entertainment while enabling you to lower your purchase APR with time for responsible management of your finances, then the Citi Forward Visa card is a great choice. Apply today and let Citi ThankYou for being a valued customer!

Are you underappreciated lately? As a means of showing some gratitude for your business, Citibank is introducing the Citi ThankYou Preferred Card that awards 15,000 Bonus Thank You Points after you make $1000 in purchases during first 3 months- that’s enough to redeem for your $150 gift card. You can also earn unlimited ThankYou points for each dollar you spend on the purchases you make every day, an anniversary bonus for each year you are a cardmember, and signing up for Account Online and subscribing to Paperless Statement- to name a few! Earning points is quite feasible and accumulating the rewards can occur very quickly. What’s even better, these rewards points may be redeemed for cash, merchandise, gift cards, travel and more.

Key Features:

• $150 gift card – When you redeem the 15,000 bonus ThankYou® Points received after $1000 in purchases within 3 months of account opening.
• 5 ThankYou Points for every $1 you spend on purchases at gas stations, supermarkets and drugstores for 12 months and 1 point for every $1 you spend thereafter**
• No expiration and no limit on the points you can earn
• Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
• No annual fee*

See what “thank you” means to you and apply for the Citi ThankYou Preferred Card today!

*DEAD* College could be the land of brand new beginnings full of learning, exploring, and a lot of ramen noodles for those penny pinching days. If you’re a college student who would like to start building your credit while using a credit card that rewards you for good money habits, the Citi mtvU Platinum Select Visa Card for College Students may be the answer. This card gives you 5 reward points for each $1 spent on books, movies, music and at restaurants. It’s distinctive among other cards because it awards points for getting a good GPA- talk about incentive to do well in school! ThankYou points are rewarded as follows:

GPA Score            Points
2.50 – 2.99            250
3.00 – 3.49            500
3.50 – 3.99            750
4.00                       2,000

Apart from earning reward points by getting on the Dean’s List, you will be rewarded for paying your bills punctually and not exceeding your credit limit. Of course it goes without saying you would have to put charges on the card to earn any points first. Receive 5 points for every dollar you spend on purchases at the book store, record store, restaurants (including fast food), cinemas, and video entertainment rental stores; and1 point for every dollar you spend on other purchases. With these points, you can redeem them on the ThankYou Redemptions Network reward program to get gift cards, CDs, VIP mtvU Spring Break Passes, tickets to the MTV Video Music Awards, and airline tickets.

Key Features:

• 0% introductory APR on purchasesfor the first 7 months. After that introductory period, the APR for purchases will be variable, between 13.99% and 21.99% depending on your creditworthiness.
• 5 reward points for every $1 you spend on books, movies, music and at restaurants.
• 1 reward point for every $1 you spend on other purchases.
• 25 reward points each month when you pay on time and stay under your credit limit.
• Up to 2000 reward points twice a year for having a good GPA. At the end of every semester, just send in your transcript and get extra points!
• 10% discount on music and entertainment products at  shop.mtv.com.
• Access to exclusive mtvU experiences like free concert tickets,  tickets to the mtvU Woodie Awards or VIP status at mtvU’s Spring Break.
• No annual fee. Enjoy platinum cardholder benefits and the card’s rewards system at no cost.
• No cosigner or minimum income required.

A great number of young adults sign up for credit cards that are not designed for their needs, and so they wind up learning the hard way- hurting their credit and having interest rates skyrocket. Citi addresses this problem by offering college students the Citi Forward Card, currently giving a $75 statement credit once you spend $150 on back-to-school purchases at apparel, book or electronics stores within the first 3 months of opening your account. This card rewards students by reducing APR and giving bonus points for responsible finance management, thereby encouraging them to pay their bill punctually and in full and staying under credit limit. Some of the card’s perks include 100 bonus points per month for paying your bill on time; 2x points for purchases on books, movies, music, and restaurants; as much as 2% APR reduction; and a 0% introductory APR for 7 months. When you are a responsible consumer, it is possible to reduce your costs with the Citi Forward Card!

Key Features:

• Earn a $75 statement credit after you spend $150 on back-to-school purchases at apparel, book or electronics stores within the first 3 months of opening your account
• Up to 1,200 ThankYou Points a year for paying on time and staying under your credit limit
• Up to 2% APR reduction when you make a purchase, pay on time and stay under your credit limit 3 billing periods in a row (0.25% each quarter, 8X maximum)
• Earn 2 ThankYou Points for every $1 you spend eating at your favorite restaurants including fast food, catching movies or buying books and music
• 0% Purchase APR for 7 months on purchases. After that the APR will be 13.99% to 22.99% variable based on creditworthiness
• $0 liability means never having to pay for fraudulent purchases
• No co-signer required

For college students who wish to build their credit, Citi Forward can help you reach that goal if use your credit wisely. Why not receive some benefits while being financially responsible? Sign up for your card today!

In this tight economy, who wouldn’t choose to save cash where they may? A great place to start is to quit paying high interest charges on your credit card. Citi Platinum Select MasterCard is the perfect card for those with good credit and are searching for a 0% offer for balance transfers and purchases. Currently, the introductory rate is a long 18 months for balance transfers as well as for purchases. Before you apply, however, note that this credit card has a 3% balance transfer fee that is paid up front and will be portion of the balance on your new Citi card. As with any balance transfer fee, make sure the amount of the fee is less than the amount of interest you would continue to pay on your current card. It should also be noted that this card has no annual fee and charges a competitively low variable interest rate for purchases after the introductory period. So if you have a large balance on a high interest credit card, or if you plan to buy a big-ticket item, the Citi Platinum Select is especially suitable.

Key Features:

• 0% Intro APR on balance transfers and purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based upon your creditworthiness.
• No Annual Fee
• 3% Balance Transfer Fee. For each balance transfer, you need to pay 3% of the amount you transfer as fees, or $5 minimum.
• Virtual Account Numbers. Unique to Citi, this feature makes using your card online safer by allowing you to create a virtual substitute account number that lets you to shop online that makes it impossible for anyone to steal your account information over the internet. This feature is excellent if you’re the type who likes to delve into the world of online retail.
• Online Discounts with Extra Cash from Citi

If you’re on the market for a new card that has 0% introductory APR on purchases and balance transfers, consider the Citi Platinum Select MasterCard with its no annual fee and extremely generous introductory APR period.

Do you find it tough to get rid of your credit card debt due to the high interest accruing? If so, the Citi Simplicity card offers 0% APR for 18 months on balance transfers in addition to purchases, giving its cardmembers the opportunity to save some money while paying down new and existing balances. Additionally generous introductory APR period, the Citi Simplicity credit card does not charge any late fees or revoke or increase your 0% APR when you make late payments or mistakenly exceed your available line of credit. With all the purchasing power of the MasterCard, this card has no annual or hidden fees either. Simply put, if you’re seeking an uncomplicated balance transfer card, the Citi Simplicity Card is the option that offers its members true relief.

Key Features:

• 0% Intro APR for 18 months on purchases and balance transfers.
• 3% Balance Transfer Fee.
• No Annual Fee.
• 24/7 No Wait Time for live help.
  
• Peace of Mind through direct access to a service representative, no late fees and no penalty rate.

Again, cardholders won’t have any surprise rate hikes or late fees whether you accidentally miss a payment or exceed your credit limit. You will get live, 24/7 help to speak to a representative with no waiting. The Citi Simplicity is perfect for those looking to do a balance transfer. You want to do a balance transfer particularly if you have high interest rate spread across several credit cards. With 18 months of 0% APR on balance transfers, you’ll have sufficient time to get that balance paid off prior to the APR of 12.99% – 21.99% (Variable) comes into play.

This card truly lives up to its name; its goal is to keep usage and repayment as simple as possible. If you’re aiming to eliminate credit card balances or make a large purchase without accumulating any interest, the Citi Simplicity card is undoubtedly one of the best cards to get.

Do you feel suffocated because of the excessive interest rates on existing cards? Are you needing to make a high price purchase but would like to avoid paying high interest rates? The Citi Diamond Preferred Card is presently offering the longest introductory rate of 0% APR for 18 months on purchases and balance transfers. The 0% introductory APR on balance transfers requires a 3% balance transfer fee, which is currently the lowest fee offered by major credit card providers. After the introductory rate expires, the APR becomes 11.99%-21.99% depending on your credit history. As a rewards benefit, the card provides “Extra Cash” to be redeemed for travel, entertainment and merchandise on the Extra Cash from Citi website. In addition, the Citi Diamond Preferred Card also comes with a few premium perks and protections for shopping and traveling. 24/7 Diamond Preferred Concierge service takes care of your flight and hotel bookings, restaurant reservations, and even entertainment ticket purchases. So if you want to get out of debt sooner, not waste money on paying interests, or just want a great card that gives some spending perks, this card just might be what you’re needing.

Key Features:

• 0% introductory APR on purchases and balance transfers for 18 months.
• Low 3% Balance Transfer Fee.
• No Annual Fee.
• Extra Cash from Citi Program. Redeem your virtual Extra Cash for discounts on the the Citi website.
• $0 liability on unauthorized purchases
• Secure, free online account management

This is a great card to have to relieve you from surmounting debt on credit cards with high interest rates or if you need to make a large purchase and want to give yourself some time to pay it off without accruing interest. Apply for the Citi Diamond Preferred Card today and start saving your hard-earned money!

Hunting the market for a credit card worthy of the fledgling consumerist? The Citi Dividend Platinum Select Visa for College Students (now offering $50 cashback bonus after $150 in purchases) is a cash rebate rewards credit card specifically made for the college demographics with no history of credit. Unlike other Citibank cards, this card literally pays you for spending. If you simply need a forward cash back reward system, here is the card to have since it does not offer a point system. One of the distinctive feature provided to make the college student’s life easier is their virtual account number which enables safe shopping on the internet as it protects the account and identity of the card holder. Let’s be realistic; college students spend considerable time at the computer and therefore are bound to do some online shopping- may as well do it without worrying that their information could be hacked and fraudulent charges made.

Key Features:

• Earn $50 cash back after $150 in purchases in the first three months of account opening.
• No annual fee and no cosigner required.
• 0% Intro APR on Purchases for 7 months. There after 13.99%-21.99% variable based on your creditworthiness.
• Average 5% additional Cash Back at gas stations, supermarkets, drugstores, and utilities for 6mos. and 1% thereafter. Over 400 leading retailers through the Citi Bonus Cash Center.
• 2% Cashback in popular rotating categories like restaurants, apparel, plus more. 1% Cashback on all other purchases.
• Free credit education tips and tools to help you moderate your spending.
• $0 Liability on Unauthorized Purchases.

For busy college students, checking up on reward points on their credit card is probably the last thing on their mind. With a cash rebate-only credit card, getting cash back when swiping their card at supermarkets, drugstores, and gas stations couldn’t be more simple. All of the cash rewards earned will show up on the account at the end of the month. With plenty of exams and term papers to be concerned about, one less hassle is always appreciated. Apply for the Citi Dividend Platinum Select today!

Most people have heard of the Citi Thank You rewards program, but the Citi Private Pass Rewards gets much less fanfare.  It’s a program all Citi debit and credit cardholders are entitled to and completely free to join. With the Citi Thank You rewards program, it’s usually involved gift cards. The Citi Private Pass provides deeply discounted tickets to concerts, dining, shopping, and sporting events. These tickets are cheap and sometimes free to members of the Citi Private Pass program.

My guess is that the Citi Private Pass caters to the young and hip crowd with its exclusive events and VIP access. They want to capture the demographic who are most likely to spend on entertainment venues at deep discounted prices. Members can also get access to pre-sale tickets with preferred seating reservations. There are also limited movie screening and dining events with many options to choose from. Some of the categories include restaurants, nightclubs, sporting events, shopping, and many more.

Some top events currently available from Citi Private Pass:

1. Music Concert Tickets: Working in conjunction with Live Nation, they are now providing tickets to Tom Petty, Brooks & Dunn, Nickelback, Alan Jackson, and many more. They are also running two for one special for many special music events.
2. Sporting Events Tickets: These include but limited to basketball academy, FIFA World Cup, Grand Prix NY, Ski and Snowboard.
3. Special Events: There is a whole list of VIP access to night life, culinary experiences, shopping, and dining access.

Again, membership is available to all Citi credit and debit cardholders.  If you are the type who enjoy the experiences rather than getting a gift card for your reward points, then call up Citi CSR to inquire them about the Citi Private Pass.  Once a member, go to Citi Private Pass website for all the free and discounted deals that are among the most popular you will find.

Everbank 2.25% APY Accounts

I personally have an EverBank Freenet Checking Account. You get 2.25% APY for the first 3 months and up to 1.46% APY afterward. They have excellent customer services and my account account is extremely easy to navigate.  Adding their Money Market Account and you will get the best combo of any internet banking experience. I highly recommend to bank with Everbank!