1. Citi® Platinum Select® MasterCard®

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Interest Rate:	11.99% - 21.99%* (Variable)*
Intro Rate:	0% Intro APR*
Grace Period:	20 - 25 Days
Credit Limit:	n/a
Annual Fee:	None

Special Offers: 0% Intro APR for 21 Months on Balance Transfers*, and 0% Intro APR for 21 Months on Purchases*

Our Opinion: An attractive card if you have good or excellent credit. One of the best intro rates available--0% interest rate for 18 months for balance transfers and 0% for 18 months for purchases. No annual fee. Balance transfer fee is 3% ($5 minimum, no maximum). Cardholder benefits are average compared to other platinum cards and include auto rental insurance, fraud protection services, and retail protection insurance. (Not designed for applicants with average or poor credit).

2. Citi® Diamond Preferred® Card

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Interest Rate:	11.99% - 21.99%* (Variable)*
Intro Rate:	0% Intro APR*
Grace Period:	20 - 25 Days
Credit Limit:	n/app
Annual Fee:	None

Special Offers: *The introductory rate is available on balance transfers for 21 months and on purchases for 21 months.

Our Opinion: Created for those with good credit. One of the longest intro rates available for both purchases and balance transfers. No annual fee and a low interest rates. Balance transfer fee is 3% of transferred amount; $5 minimum.

3. Citi® Hilton HHonors™ Visa Signature® Card

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Interest Rate:	14.24% or 16.24% (Variable)**
Intro Rate:	No Introductory Rate Available
Grace Period:	20 - 25 Days
Credit Limit:	See Important Notations
Annual Fee:	None

Our Opinion: Created for people who want a reward card to earn free nights at Hilton Hotels. Receive 40,000 Hilton HHonors bonus points after you spend $1,000 after the first four months of opening the account. Earn 6 Hilton HHonors bonus points per $1 spent at Hilton Worldwide portfolio hotels worldwide; 3 Hilton HHonors bonus points per $1 spent on purchases at supermarkets, drugstores and gas stations, and 2 Hilton HHonors bonus points per $1 spent on all other purchases. No annual fee. 3% balance transfer fee. 3% international transaction fee.

4. Citi Forward® Card

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Interest Rate:	12.99% - 22.99%* (Variable)*
Intro Rate:	0% Intro APR*
Grace Period:	20 - 25 Days
Credit Limit:	n/a
Annual Fee:	None

Special Offers: 0% Intro APR for 12 months on Balance Transfers*; 0% Intro APR for 7 months on Purchases*.

Our Opinion: Rewards cardholders for staying within their credit limit and paying on time. Earn $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. Stay within your credit limit and pay on time, you will receive 100 bonus points per billing period plus a possible reduction in your interest rates. Rate reductions occur at a rate of .25% after three months in a row of staying within the limit and paying on time. You could receive up to a 2% total reduction. Get 1,000 bonus points when you sign up for paperless statements. Receive 5 points per $1 spent at movie theaters, restaurants, book stores, and video rental stores. Receive $1 spent on all other purchases. Points can be redeemed through the Thank You network for cash, gift cards, electronics, music, and more. This card is a good choice if you pay off your balance each month. 3% fee for balance transfers and international transactions

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

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Interest Rate:	13.99% - 21.99%* (Variable)*
Intro Rate:	0% Intro APR for 7 Months*
Grace Period:	20 - 25 Days
Credit Limit:	n/app
Annual Fee:	None

Special Offers: 0% Intro APR for 7 months* on Purchases

Our Opinion: Created for students who want a cash back credit card. 1% rebate on all other purchases. Earn at least 2% cash back in popular rotating categories like restaurants, apparel, hotel and more. Enrollment required. Receive $5 Dividend Dollars for each balance transfer over $1,500. Earn up to $300 in rebates per year. $50 check will be issued upon request once $50 Dividend Dollars have been earned. No cosigner required. 4% of each balance transfer; $10 minimum

6. Citi Forward® Card for College Students

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Interest Rate:	13.99% - 22.99%* (Variable)*
Intro Rate:	0% Intro APR for 7 Months*
Grace Period:	20 - 25 Days
Credit Limit:	n/a
Annual Fee:	None

Special Offers: 0% Intro APR for 7 months on Purchases.

Our Opinion: Rewards students for staying within their credit limit and paying on time. If you stay within your credit limit and pay on time, you will receive 100 bonus points per billing period and a possible reduction in your interest rates. Rate reductions occur at a rate of .25% after three months in a row of staying within the limit and paying on time. You could receive up to 8 reductions, for a 2% total reduction. Get 1,000 bonus points after signing up for paperless statements. Receive 5 points per $1 spent at movie theaters, restaurants, book stores, and video rental stores. Receive $1 spent on all other purchases. Points can be redeemed through the Thank You network for cash, gift cards, electronics, music, and more. This card is a good choice if you pay off your balance each month. No cosigner required.

7. Citi ThankYou℠ Preferred Card - $100 Gift Card

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Interest Rate:	12.99% - 22.99%* (Variable)*
Intro Rate:	0% Intro APR for 12 Months
Grace Period:	20 - 25 Days
Credit Limit:	n/a
Annual Fee:	None

Special Offers: 0% Intro APR for 12 months on Purchases and Balance Transfers

Our Opinion: Created for those with very good credit. Earn 15,000 points after you spend $1,000 within your first 3 months. That?s enough for $150 in gift cards. Earn 5 ThankYou Points for every $1 spent on all purchases at gas stations, supermarkets and drugstores during the first 12 months and 1 point for every $1 spent thereafter. Earn unlimited ThankYou Points for everyday purchases. 3% fee for balance transfers.

8. Citi ThankYou℠ Premier Card - enough for $300 in Gift Cards

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Interest Rate:	13.99% - 21.99%* (Variable)*
Intro Rate:	No Introductory Rate Available
Grace Period:	20 - 25 Days
Credit Limit:	n/app
Annual Fee:	$125

Our Opinion: Earn 30,000 bonus ThankYou Points after $2,000 in purchases within the first 3 months, which is redeemable for $300 in gift cards or other rewards. Earn 1.2 ThankYou Points for purchases at gas stations, supermarkets, and drugstores as well as 1 ThankYou Point for every $1 spent on all other purchases. There is no limit to the amount of points that can be earned, and points never expire. Earn 200 points for signing-up for Account Online and 200 points for enrolling in Paperless Statements (only for new enrollees). At the end of each Citi Thank You membership year, you will also earn an Anniversary Bonus calculated as a percentage of ThankYou Points earned from purchases during that membership year There is a $125 annual fee; however, the annual fee is waived for the first 12 months. There is no foreign transaction fee on purchases.

9. Citi Simplicity® Card

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Interest Rate:	12.99% - 21.99% (Variable)*
Intro Rate:	0% Interest for 21 Months
Grace Period:	20 - 25 Days
Credit Limit:	n/a
Annual Fee:	None

Special Offers: 0% Introductory APR for 21 months on both purchases and balance transfers.

Our Opinion: 0% for 18 months on purchases and balance transfers. You will not be charged a late-payment fee for missing a due date and there is no penalty rate. 24/7 live customer service. 3% fee for foreign purchases and balance transfers.

10. Citi® Dividend Platinum Select® Visa® Card - $100 Cash Back

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Interest Rate:	12.99% - 22.99%* (Variable)*
Intro Rate:	0% Intro APR for 12 Months*
Grace Period:	20 - 25 Days
Credit Limit:	n/a
Annual Fee:	None

Special Offers: 0% Intro APR for 12 months on Balance Transfers and Purchases*

Our Opinion: Created for those with good credit who want a cash rewards card. Earn $100 cash back bonus when you spend $500 or more within the first 3 months. 0% introductory APR for 12 monthly billing cycles for purchases and balance transfers!. 1% cash back on every purchase you make. Earn 5% cash back on categories that rotate each quarter. Earn 5 dividend dollars for every balance transfer you make over $1,500. Earn up to $300 Citi Dividend dollars per calendar year.

11. Citi ThankYou℠ Preferred Card - 25,000 points - $250 in gift cards

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Interest Rate:	12.99% - 22.99%* (Variable)*
Intro Rate:	No introductory rate available.
Grace Period:	20 - 25 Days
Credit Limit:	n/a
Annual Fee:	None

Special Offers: No introductory rate available.

Our Opinion: Earn 25,000 ThankYou Points after $2,000 in purchases within 3 months of account opening, enough for $250 in Gift Cards. Earn 1 ThankYou point per dollar spent on the purchases . You can redeem thank you points for merchandise, travel rewards, gift cards, cash and more. Plus, you'll earn 100 ThankYou points when you sign up for Citi Accounts Online, and an additional 100 points when you sign up for paperless statements. And there is an annual bonus points award each yearly anniversary of your card membership, determined by the number of ThankYou points you've earned that year and the number of years you've been a member.