1. Citi CashReturns(SM) MasterCard®

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Interest Rate:	As low as 9.99%
Intro Rate:	0% APR for up to 12 Months
Grace Period:	20 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

Our Opinion: Created for those with very good credit who will transfer a balance and use the cashback rewards. Earn 1% cashback on purchases and cash advances. One of the few cards that offers rewards for balance transfers. Earn 5 CitiDollars for each balance transfer transaction of $1,500 or more. Checks are issued on $50 increments. Benefits include auto rental insurance, travel and emergency assistance.

2. Citi® Bronze® / AAdvantage® Card for College Students

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Interest Rate:	14.99%
Intro Rate:	0% APR for 6 Months
Grace Period:	20 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

Special Offers: The introductory rate is available on balance transfers submitted during the first six months.

Our Opinion: Created for students with average credit who travel on American Airlines. Earn 1 mile per $2 spent. Use miles on over 25 partner airlines, hotels, or car rentals. Earn up to 25,000 miles per year. Points can expire in 3 years if there is no account activity.

3. Citi® Bronze® / AAdvantage® World MasterCard®

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Interest Rate:	14.99%
Intro Rate:	No Introductory Rate Available
Grace Period:	20 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

Our Opinion: The Citi® Bronze® / AAdvantage® World MasterCard®, one of several Citi® AAdvantage® credit cards offered by Citibank, is designed for those with average credit who travel regularly on American Airlines. Through the reward program, cardholders earn one mile for every two dollars spent on the card. Cardholders also receive 5,000 bonus miles after the first purchase is made with the card. Miles are redeemable for flights on over 25 partner airlines, car rentals, and stays at hundreds of hotels worldwide. There is a maximum of 25,000 miles that can be accumulated each year (AAdvantage® Executive Platinum®, AAdvantage® Platinum®, and AAdvantage® Gold® members are excluded from this limit), and miles may never expire. At first glance, it may be difficult to distinguish between all of the Citi® AAdvantage® credit cards due to their close similarities. The Bronze card differs from the others as it has no annual fee and offers no extraordinary benefits or services to cardholders aside from the reward program. It is important to note that although the card has no annual fee, the mileage awarded is about half of what is normally provided by an airline reward card. The APR for purchases is above average for a reward card. There is also a minimum cap of 19.99% for cash advances; so no matter how low the Prime Rate falls (the APR is tied to the Prime Rate), the interest rate will not go below the minimum cap. Aside from the reward program, cardholders can expect several standard benefits that include travel accident insurance, no liability for unauthorized transactions, and various Internet account related services. Therefore, those who would like an airline reward card with no annual fee and do not plan to spend more than $50,000 on the card in a year (due to the yearly limit on miles) will benefit most from what the Citi® Bronze® / AAdvantage® World MasterCard® has to offer.

4. Citi® Diamond Preferred® Card

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Interest Rate:	As low as 8.49%
Intro Rate:	0% APR for up to 12 Months
Grace Period:	20 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

Special Offers: The introductory rate is available on purchases and balance transfers for up to twelve months.

Our Opinion: This card is created for those with good credit. Low APR. 0% intro rate for up to 12 months for purchases and balance transfers. Benefits include auto rental insurance, travel accident insurance and travel and emergency and assistance services. Balance transfer fee is 3.0% of the amount of each balance transfer, $5 minimum.

5. Citi® Diamond Preferred® Rewards Card

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Interest Rate:	As low as 10.49%
Intro Rate:	0% APR for up to 12 Months
Grace Period:	20 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

Special Offers: The introductory rate is available on balance transfers submitted during the first twelve months.

Our Opinion: Created for those with good credit who will use the reward program. Earn 5 points per $1 spent on purchases made at drugstores, gas stations, and supermarkets during the first year; after the intro perid ends, earn 1 point per $1 spent on all other purchases. Receive 6,000 bonus points after $100 in purchases (can be redeemed for $50 gift card). Use points for a variety of services and purchases. Option to request your own reward- tell them the reward you want, if they can find it, they will tell you the points required. You may be able to periodically reduce the card's APR for purchases and cash advances. Earn a maximum of 75,000 points; points expire in 5 years. 3% international transaction fee. Benefits include travel accident insurance (up to $1,000,000), services for emergency and travel assistance, car rental discounts and auto rental insurance.

6. Citi® Dividend Platinum Select® Card

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Interest Rate:	As low as 10.99%
Intro Rate:	0% APR for up to12 Months
Grace Period:	20 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

Special Offers: The introductory rate is available on balance transfers for up to twelve months.

Our Opinion: Created for those with very good credit who will use the cash reward program. Earn 5% cash back on purchases made at supermarkets, drug stores and gas stations for 6 months, 2% after that; 1% on all other purchases. Yearly rebate limit is $300. "Dividend Dollar" checks are sent out in increments of $50, so cardholders would need to spend $5,000 on the card before receiving their first cash rebate check. Gives you time to transfer a balance and get the 0% APR for up to 12 months on balance transfers. First balance transfer must be completed within 12 months from date of account opening. Receive 5 Dividend Dollars for each individual balance transfer transaction of $1,500 or more. Benefits include up to $1,000,000 in travel accident insurance, various travel and emergency assistance services, auto rental insurance and car rental discounts. This card will benefit those who plan to spend over $5,000 a year on the card (to earn the minimum cash rebate) and plan to pay in full each month after the introductory rate expires.

7. Citi® Dividend Platinum Select® Card for College Students

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Interest Rate:	12.99%
Intro Rate:	0% APR for 6 Months
Grace Period:	20 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

Special Offers: The introductory rate is available for all transactions.

Our Opinion: Since this card offers a cash back rewards program, it is a good choice if you pay off your balance each month. Receive 1% cash back on all general purchases; receive up to 5% on purchases made at gas stations, grocery stores and drug stores for six months and 2% after the intro period ends. Earn up to $300 each year. Each time you earn $50, contact Citicards to receive your check.

8. Citi® Driver's Edge® Card for College Students

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Interest Rate:	14.99%
Intro Rate:	0% APR for 6 Months
Grace Period:	20 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

Special Offers: The introductory rate is available for all transactions.

Our Opinion: Created for students who are planning on purchasing a new or used vehicle within the next 5 years. This card is a good choice if you pay off your balance each month and can use the rewards program. Purchases made at grocery stores, gas stations and supermarkets earn a 3% rebate. Other general purchases receive a 1% rebate. Earn up $1,000 in rebates per year. Maximum rebate is $5,000 toward a new or used vehicle purchased anywhere in the US. Rebates can be used for the payment of service, maintenance, or repairs on a vehicle. Unused rebates expire in 5 years.

9. Citi® Gold/AAdvantage® World MasterCard®

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Interest Rate:	14.99%
Intro Rate:	No Introductory Rate Available
Grace Period:	20 Days (Min.)
Credit Limit:	See Important Notations
Annual Fee:	$50

Our Opinion: Created for those with good credit who fly on American Airlines. Earn 1 mile per $1 spent. Miles may be used for free flights on American and its airline partners, hotel stays, and car rentals. Earn up to 60,000 miles per year. Offers 15,000 bonus miles after you make $750 in purchases within 4 months. The annual fee is lower than many airline reward cards and it is waived during the first year. Benefits include auto rental insurance, and travel accident insurance. This card will benefit those who pay off their balance each month and will be able to earn a free ticket within 3 years (due to the annual fee).

10. Citi® Hilton HHonors® Visa® Signature Card

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Interest Rate:	14.99% / 16.99%
Intro Rate:	2.99% APR for 6 Months
Grace Period:	20 Days (Min.)
Credit Limit:	See Important Notations
Annual Fee:	None

Special Offers: The introductory rate is available on balance transfers submitted during the first six months.

Our Opinion: Created for those who will pay off their balance each month and can take advantage of the reward program. Earn 6 points per $1 spent at participating Hilton hotels (Hilton, Hilton Garden Inn, Homewood Suites by Hilton, and the Waldof-Astoria Collection); earn 3 points per $1 spent at supermarkets, drugstores and gas stations; earn 2 points per $1 spent on general purchases. No annual limit for points earned; points do not expire if you stay at a Hilton Hotel at least once a year. Receive 15,000 bonus points with the first purchase made with the card if it is made within 60 days from the date that the account was opened. Use points for free hotel stays and various travel rewards. New cardholders receive complimentary Hilton HHonors Silver VIP status during the 1st year of membership. Benefits include lost luggage insurance, up to $1,000,000 in travel accident insurance, and a concierge service. This card will benefit those who frequently stay at Hilton HHonors® hotels and plan to pay in full each month.