Citi Credit Knowledge Center

Understanding Credit Cards

How to Compare Credit Card Interest Rates

Learn how to compare credit card interest rates, including APR types, fees and factors that affect the true cost of borrowing.

Understanding Credit Cards

What Credit Cards Does Costco Accept?

Costco only accepts Visa credit cards at the checkout counter and gas pump. Earn cash back when you shop at Costco with the Costco Anywhere Visa® Card by Citi.

Understanding Credit Cards

How to Apply for a Student Credit Card

Discover how to apply for a student credit card, what you need to qualify and how using a student card responsibly can help get you started on your credit journey.

Understanding Credit Cards

What are the Advantages of Credit Cards?

Explore the advantages of credit cards and the benefits of using a credit card like rewards, fraud protection, credit building, and much more.

Understanding Credit Cards

What Is a Secured Credit Card and How Does it Work?

A secured credit card requires a deposit to secure your credit limit. Learn how to build or rebuild credit with a secured credit card and the pros & cons of a secured credit card.

Understanding Credit Cards

Secured Credit Cards vs. Unsecured Credit Cards

Learn the difference between secured and unsecured credit cards and how to choose the right card option for your financial goals.

Understanding Credit Cards

How to Apply for a Citi Credit Card

Find out how to prepare to apply for a Citi credit card, what information you'll need and how to submit a credit card application online or in person.

Understanding Credit Cards

How to Prevent Credit Card Fraud

Credit card fraud can strike at any time. Learn about what credit fraud is, how to protect your accounts and how to prevent credit card fraud.

Understanding Credit Cards

Can you Withdraw Cash From a Credit Card?

Getting cash from a credit card is a simple process. Learn where and how to get cash advances from your credit card, as well as the drawbacks of cash advances.

Understanding Credit Cards

Credit Score Needed for the Citi Double Cash® Credit Card

The Citi Double Cash® Credit Card offers unlimited cash back on purchases, but what credit score is needed for approval? Explore the Citi Double Cash® card.

Understanding Credit Cards

How to Apply for Your First Credit Card: A Helpful Guide for Beginners

How do you apply for your first credit card? First-time credit card applicants can find helpful tips and advice about how to apply for and use their first credit card.

Understanding Credit Cards

What Is a Fair Credit Score?

A fair credit score can have an impact on your financial opportunities. Learn how to improve your credit score.

Understanding Credit Cards

5 Reasons to Consider the Costco Anywhere Visa® Card By Citi

Check out these 5 reasons to consider the Costco Anywhere Visa® Card by Citi, from Costco Cash Back Rewards to travel benefits.

Understanding Credit Cards

Unlock Costco Credit Card Benefits with the Costco Anywhere Visa® Card by Citi

What are the benefits of the Costco Anywhere Visa® Card by Citi? Learn about benefits like Costco Cash Back Rewards, convenience and entertainment access.

Understanding Credit Cards

Costco Anywhere Visa® Card by Citi Travel Benefits

Discover travel benefits for the Costco Anywhere Visa® Card by Citi, such as cash back rewards on eligible travel, gas and EV charging.

Understanding Credit Cards

When to Apply for a Credit Card

Wondering when to apply for a credit card? Learn the best time to apply, whether you should get a credit card now and how pre-qualification works.

Understanding Credit Cards

How Old Do You Have to Be to Get a Credit Card?

At what age can you get a credit card? Learn about credit card age requirements, how to know if you're ready to apply and how to find the right credit card for you.

Understanding Credit Cards

How to Calculate Credit Card Interest

Struggling with high credit card payments? Learn how to calculate credit card interest and understand how to calculate interest on a credit card for better budgeting.

Understanding Credit Cards

How to Build Credit with a Secured Credit Card

Want to use a secured credit card to build credit? Read on to learn how to do it, tips to succeed and how long it may take.

Understanding Credit Cards

How to Build Credit

Learn how to help build credit, including how to get your credit report, what your credit score means and how to use credit cards to build credit.

Understanding Credit Cards

Smart Credit Card Tips

Responsible credit card users typically don’t max out credit card limits and avoid closing cards. Discover smart credit card tips to help build your financial knowledge.

Understanding Credit Cards

5 Financial Habits of People with Excellent Credit

Read about 5 ways people with excellent credit scores manage their debt and maintain high credit ratings. These tips from people with great credit scores may help you to get on the right track.

Understanding Credit Cards

11 Credit Card Tips You Should Know

Looking for credit card advice? Check out these credit card tips. Following these 11 simple tips can help you make the most of your credit card.

Understanding Credit Cards

How to Avoid Interest on Your Credit Card

Credit card interest can add up quickly. Learn how credit card interest works and how you can avoid being charged credit card interest.

Understanding Credit Cards

How to Get A Business Credit Card For Startups

Considering a business credit card for your startup? The right business credit card can offer spending power and more benefits for your new business

Understanding Credit Cards

How Credit Card Minimum Payments Work

Making your credit card minimum payment by the due date can help you avoid penalties. Read on to learn how credit card minimum payments are calculated.

Understanding Credit Cards

Tips to Become a Smart Credit Card User

Responsible credit card users don’t max out credit limits and avoid closing cards. Discover smart ways to use a credit card and build your financial knowledge.

Understanding Credit Cards

How to Help Build Credit

Learn how to help build credit, including how to get your credit report, how credit cards work, what your credit score means and how to check on your financial health.

Understanding Credit Cards

How to Apply for the Shop Your Way Mastercard®

Learn about the Shop Your Way Mastercard® and how to apply, including what to have ready before you apply and where to fill out the application.

Understanding Credit Cards

How to Earn Shop Your Way Points with the Shop Your Way Mastercard®

Learn how to earn Shop Your Way Points with the Shop Your Way Mastercard®, and which categories can earn you more points.

Understanding Credit Cards

How Does a Student Credit Card Work?

Learn how student credit cards work with our comprehensive guide. Discover the benefits and tips for responsible use to build credit and manage finances.

Understanding Credit Cards

How to Choose a Student Credit Card

Looking for a student credit card? Learn what features student credit cards can offer and how to choose which card is right for you.

Understanding Credit Cards

How to Start Building Credit With Little or No Credit History

Learn how to build credit with little or no credit history by following tips like using secured cards and becoming an authorized user.

Understanding Credit Cards

Benefits of Using a Costco Anywhere Visa ^® Card by Citi for Gas Purchases

Learn more about earning Costco Cash Back Rewards on your gas purchases when you use the Costco Anywhere Visa® Card by Citi.

Understanding Credit Cards

What Is the APR for the Costco Anywhere Visa® Card?

If you’re approved for the Costco Anywhere Visa® Card by Citi, your APR will be determined by factors like your credit history and credit score.

Understanding Credit Cards

How to Pre-Qualify for a Credit Card

To pre-qualify for credit cards, you need to meet specific requirements. Learn about these standards to see if you could be pre-qualified for any credit cards.

Understanding Credit Cards

What to Look for in a Credit Card

Wondering how to choose the right credit card? Explore what to look for when getting a credit card, including features and tips to meet your financial objectives.

Understanding Credit Cards

Is a Credit Score Needed for the Costco Anywhere Visa® Card

Several factors, such as credit score, income, and recent applications can affect your chance of approval for the Costco Anywhere Visa® by Citi.

Understanding Credit Cards

Credit Card vs. Debit Card | What's the Difference?

What's the difference between a debit card and a credit card, and which should you use? Learn more about credit and debit cards, including the pros and cons of each.

Understanding Credit Cards

How Do Credit Card Refunds Work?

Learning about credit card refunds? Discover how a refund on a credit card works and the timeline for processing returns. Get the facts on credit card refunds.

Understanding Credit Cards

Does the Costco Anywhere Visa® Card Charge Foreign Transaction Fees?

Learn what a foreign transaction fee is and whether the Costco Anywhere Visa® Card by Citi charges foreign transaction fees on international purchases.

Understanding Credit Cards

What Is the Credit Limit for the Costco Anywhere Visa® Card?

If you’re approved for the Costco Anywhere Visa® Card by Citi, your credit limit will be determined by factors like your income and credit score. Learn more.

Understanding Credit Cards

How to Apply for the Costco Anywhere Visa® Card

Learn how to apply for the Costco Anywhere Visa® Card by Citi and, if approved, start earning Costco Cash Back Rewards anywhere Visa® is accepted.

Understanding Credit Cards

What Is a Negative Balance on a Credit Card?

If you have a negative balance on your credit card, it means your credit card issuer owes you money. Learn more about what it means to have a negative balance on your card.

Understanding Credit Cards

What Is Credit Utilization Ratio?

Learn what credit utilization ratio is, how it can impact your creditworthiness and how your credit utilization ratio is calculated.

Understanding Credit Cards

How to Avoid Credit Card Fees and Charges

From interest charges to late fees, learn about common credit card fees and charges, when they may apply and strategies for avoiding them when necessary.

Understanding Credit Cards

What Is the Credit Card Closing Date?

The final day of your billing cycle is called your credit card closing date. Learn what your closing date means and how it differs from your payment due date.

Understanding Credit Cards

Different Types of Credit Cards

Learn about various credit card types—cash back, travel, rewards, secured, and more—to help you choose the best card for your financial goals.

Understanding Credit Cards

Statement Balance vs. Current Balance: What’s the Difference?

Your statement balance is calculated at the end of your billing statement. Your current balance reflects real-time charges. Discover which to pay on your payment due date.

Understanding Credit Cards

How to Increase Your Credit Limit

It's possible to increase your credit limit on a credit card. You can request a credit limit increase, or your lender may increase your limit automatically.

Understanding Credit Cards

Does Applying for a Credit Card Hurt Your Credit?

Applying for a credit card usually triggers a hard credit inquiry, which can temporarily affect your credit. Learn how applying for a credit card can affect your credit.

Understanding Credit Cards

What Is an Unsecured Credit Card?

Most credit cards are unsecured. Unlike secured credit cards, unsecured credit cards don’t require a security deposit. Learn more.

Understanding Credit Cards

Does Paying Rent Build Credit?

Does paying rent build credit? Learn how rent reporting works, how on-time payments can help to strengthen credit and when it may help your credit score.

Understanding Credit Cards

Charge Card vs. Credit Card: Key Differences

You can use both charge cards and credit cards to make purchases, but charge cards typically don’t have a credit limit, and you must pay your full statement balance each month.

Understanding Credit Cards

Is Closing a Credit Card Bad?

Is closing a credit card bad? Learn how canceling a card can affect your credit score, when it makes sense and potential alternatives.

Understanding Credit Cards

What to Do When You Lose Your Credit Card

If you lost a credit card, there are immediate steps to take, including freezing your card and reporting the loss, to help protect your account. Learn more about handling a lost credit card and preventing fraud in the future.

Understanding Credit Cards

How Do Credit Card Payments Work?

Learn how credit card payments work, including how late fees, interest charges and grace periods can affect your credit card payments.

Understanding Credit Cards

What Is a Credit Card Statement?

Your credit card statement includes information about your payments, charges, credits, account and more. Learn how to read your credit card statement.

Understanding Credit Cards

What Is a Credit Card PIN?

A credit card PIN (personal identification number) is a security measure that allows you to use your credit card for cash advances and foreign transactions.

Understanding Credit Cards

Is It a Good Idea to Have Multiple Credit Cards?

Is having multiple credit cards worth it? Learn about the benefits and potential drawbacks. Find tips for managing multiple cards successfully.

Understanding Credit Cards

Soft Inquiry vs. Hard Inquiry: Credit Checks Explained

Hard credit inquiries can lower your credit score, while soft inquiries don't affect your score. Learn more about the difference between hard and soft credit inquiries.

Understanding Credit Cards

What is a Credit Report?

Learn what a credit report is, including how to request your credit report, how to read it, what information it includes and what to do if you see errors.

Understanding Credit Cards

Understanding Credit Card Grace Periods

Understand credit card grace periods and how they work. Learn how to use grace periods to avoid interest on new purchases.

Understanding Credit Cards

How to Send Money With a Credit Card

It’s possible to send money to someone else’s bank account with a credit card. Explore popular platforms and discover alternatives to minimize costs.

Understanding Credit Cards

Can You Reopen a Closed Credit Card?

Wondering if you can reopen a closed credit card? Learn issuer policies, reactivation options and alternatives to reapplying for a closed credit card.

Understanding Credit Cards

How to Cancel a Credit Card

Learn how to cancel a credit card, reasons you might cancel a credit card and how canceling a credit card can affect your creditworthiness.

Understanding Credit Cards

What is Residual Interest?

Learn what residual interest is, how it works on credit cards and how to avoid trailing interest charges by paying your balance in full each month.

Understanding Credit Cards

How to Report Credit Card Fraud: Steps, Signs, and Prevention

Learn how to report credit card fraud, recognize the warning signs and take the right steps. Discover tips for credit card fraud reporting and preventing future incidents.

Understanding Credit Cards

Credit Card vs. Cash: Which to Use

Sometimes it makes sense to use credit over cash and vice versa. Learn about the pros and cons of using credit cards and cash.

Understanding Credit Cards

What Is a Credit Card Charge Off?

A credit card charge-off happens after a borrower has missed several payments and the issuer no longer believes it will be repaid. Learn about charge-offs, how they affect credit and how to avoid them.

Understanding Credit Cards

How Long Does It Take to Get a Credit Card?

Discover how long it usually takes to get a credit card, from approval to delivery. Read on to learn factors that affect timelines and tips to speed up the process.

Understanding Credit Cards

Does a Credit Limit Increase Affect Your Credit Score?

Wondering how a credit limit increase impacts your credit score? Learn how an increase can impact your credit utilization ratio and more.

Understanding Credit Cards

What is a Credit Freeze?

Freezing your credit can help block potential fraud by preventing new loans or lines of credit from being taken out in your name. Read on to learn how to freeze and unfreeze your credit.

Understanding Credit Cards

What to Know About Credit Card Expiration Dates

Credit cards have expiration dates, but that doesn’t mean your account is closed. Here’s what you need to know about credit card expiration dates.

Understanding Credit Cards

The Difference Between Credit Report and Credit Score

What are credit scores and reports? Learn what they are and explore how a credit report and credit score influence financial health.

Understanding Credit Cards

Can You Buy a Car With a Credit Card?

While you can typically use a credit card for just about anything, car dealerships may not accept credit cards as a way to make a full payment on a car.

Understanding Credit Cards

How Long Does It Take for a Credit Card Payment to Post?

Find out how long credit card payments take to process, factors affecting processing times and tips to avoid delays and ensure timely payments.

Understanding Credit Cards

Why Was My Credit Card Declined?

Learn why your credit card might be declined, from insufficient credit to fraud alerts or expired cards. Discover solutions and tips to prevent declines in the future.

Understanding Credit Cards

How to Upgrade Your Credit Card

If your credit card isn't the best fit for you anymore, you might decide to request an upgrade. Learn what a credit card upgrade is and how to request one.

Understanding Credit Cards

What Happens If You Don't Use Your Credit Card?

Wondering what happens if you don’t use your credit card? Learn how prolonged 'inactivity can affect your account, plus find tips to keep your card active.

Understanding Credit Cards

Can You Pay Utilities and other Bills With a Credit Card?

While you may be able to pay some of your utilities and other bills with a credit card, there may be fees. Explore the pros and cons of paying bills with a credit card.

Understanding Credit Cards

What Is a Contactless Credit Card? Tap-to-Pay Explained

A contactless credit card lets you pay for purchases without swiping or inserting your card. Learn how contactless cards work and how to use them.

Understanding Credit Cards

Does Closing a Credit Card Hurt Your Credit?

Closing a credit card can affect your credit mix and potentially your creditworthiness. Learn whether you should close a credit card or try alternatives.

Understanding Credit Cards

How to Find Out What Credit Cards You May Qualify For

See what credit cards you may qualify for with pre-qualification. Pre-qualification uses a soft inquiry, which won't impact your credit.

Understanding Credit Cards

What Does it Mean to Be Pre-Qualified for a Credit Card?

Learn what pre-qualification means for a credit card and how to check for pre-qualified credit card offers without affecting your credit score.

Understanding Credit Cards

How to See If You’re Pre-Qualified for a Credit Card

Learn what pre-qualification means for a credit card and how to check for offers to find a card without affecting your creditworthiness.

Understanding Credit Cards

Does Pre-Qualification Affect Your Credit Score?

Credit card pre-qualification doesn't hurt your credit score. Use the Citi pre-screening tool to find personalized offers and compare credit cards.

Understanding Credit Cards

Pre-Qualified vs. Pre-Approved For a Credit Card: What’s The Difference?

Pre-qualifying and being pre-approved for a credit card can mean you’ll likely be approved if you apply, but they’re not guarantees. Learn more.

Understanding Credit Cards

Business Credit Cards vs. Personal Credit Cards: 5 Key Differences

Learn the key differences between business and personal credit cards, including benefits and eligibility requirements, to determine the right option for you.

Understanding Credit Cards

Can You Get a Credit Card With No Deposit?

Some types of credit cards – secured cards – require a security deposit, while unsecured cards do not. Learn more about credit cards with no security deposit.

Understanding Credit Cards

How to Activate Your Citi Credit Card

You have several options to activate your credit card, including online, by phone or in the Citi Mobile® app. The exact steps depend on the method you choose.

Understanding Credit Cards

Why Was My Credit Card Application Denied?

There are many reasons why credit card applications can be denied. Read on to learn 9 potential factors that can determine credit card approval and how to move forward.

Understanding Credit Cards

How to Apply for a Credit Card Online

Applying for a credit card online may require personal and financial documentation. Learn how online credit card applications work and what you need to apply.

Understanding Credit Cards

What Do You Need to Get a Credit Card?

Learn what information you typically need to provide when you apply for a credit card, as well as creditworthiness and other factors lenders may consider.

Understanding Credit Cards

Does Getting Denied for a Credit Card Hurt Your Credit?

If your application for a new credit card is denied, it doesn't impact your credit score any more than applying and getting approved for a credit card does.

Understanding Credit Cards

What Is a Business Credit Card and How Does It Work?

Business credit cards are designed for business owners and employees to make purchases. They function similarly to personal credit cards. Learn more.

Understanding Credit Cards

Can You do a Soft Pull if Your Credit is Frozen?

Soft credit inquiries are typically still possible when your credit is frozen. Learn more about soft inquiries and freezing your credit.

Understanding Credit Cards

Pros and Cons of Freezing Credit

Freezing your credit can help prevent fraud, but it may come with some drawbacks. Learn more about the pros and cons of freezing your credit.

Understanding Credit Cards

Foreign Transaction Fee vs. Currency Conversion Fee

If you travel abroad, you may encounter foreign transaction fees and currency conversion fees. Learn what they are and ways to avoid them.

Understanding Credit Cards

Does Freezing Your Credit Affect Your Credit Score?

A credit freeze prevents anyone from opening a new account in your name, but it doesn't affect your credit score. Learn more about credit freezes.

Understanding Credit Cards

What Are Tradelines and How Do They Impact Credit?

A tradeline is an account listed on your credit report. Learn what tradelines are, how they can affect your credit score and tips for managing them responsibly.

Understanding Credit Cards

What Credit Score Do You Need to Qualify for the Citi Strata℠ Card? 

A number of factors, including income and creditworthiness, can affect your chances of approval for Citi Strata℠ Card. Learn more. 

Understanding Credit Cards

Citi Strata Elite® Card Purchase Protection Benefit

Discover how the Citi Strata Elite® Card’s purchase protection works, including what’s covered, how to file a claim and important exclusions.

Understanding Credit Cards

Is a Credit Score Required for the Citi Strata Premier Card?

Several factors, including creditworthiness, debt-to-income ratio and income, can impact your chances of approval for Citi Strata Premier®. Learn more. 

Understanding Credit Cards

What Credit Score Do You Need for the Citi Strata Elite^® Card?

Find out what credit score you may need for the Citi Strata Elite® Card and learn what factors affect approval, including income and creditworthiness.

Understanding Credit Cards

11 Helpful Credit Card Tips for Beginners

Looking for credit card tips? Explore our guide with credit card tips for beginners, as well as credit card tips and tricks to help you handle your finances.

Understanding Credit Cards

Credit Card Due Date vs. Closing Date: What’s the Difference?

Learn the difference between a credit card due date and closing date. Discover how these dates affect your payments, interest charges and account management.

Understanding Credit Cards

Does Your Business Credit Card Impact Your Personal Credit?

If you’re the primary cardholder for a business credit card, there are some ways in which it can impact your personal credit. Learn more.

Understanding Credit Cards

Why is My Credit Card Not Working?

Wondering why your credit card is not working in-store or online? Learn common reasons your card may be declined and practical steps you can take to resolve the issue.

Understanding Credit Cards

A Guide to Over-the-Limit-Fees

Learn what a credit card over-the-limit fee is and when it may be charged or reversed. Understand your options for over-the-limit fees.

Understanding Credit Cards

What Is a Purchase APR?

Learn what a purchase APR is, when it applies and how it affects your credit card balance. Understand how to reduce interest by managing a purchase APR wisely.

Understanding Credit Cards

What Is a Credit Card Balance?

Learn what a credit card balance is, how it’s calculated and how managing it can help you avoid interest charges and support your credit score. 

Understanding Credit Cards

Using a Credit Card for Online Shopping

Learn what to look for in a credit card for online shopping, including fraud protection, rewards and security tips for safe and convenient purchases.

Understanding Credit Cards

How Long Do Hard Inquiries Stay On Your Credit Report?

Find out how long hard inquiries stay on your credit report, how they affect your credit score and what you can do to limit their impact over time.

Understanding Credit Cards

Does Upgrading a Credit Card Affect Credit Score?

Find out if upgrading your credit card can impact your credit score. Learn how issuers handle upgrades and what to ask before making a change.

Understanding Credit Cards

When Is the Best Time to Pay Your Credit Card?

Learn when to pay your credit card to avoid interest, reduce your credit utilization and support your credit score with smart payment timing.

Understanding Credit Cards

What is a Credit Card CVV Number?

The CVV (card verification value) is a credit card security feature. Learn more about CVVs, where to find them and why they matter for online and phone transactions.

Understanding Credit Cards

FICO Score vs. Credit Score: What’s the Difference?

Learn the difference between a FICO score and a credit score. Understand how they're calculated, which lenders use, and why your scores may vary.

Understanding Credit Cards

Can You Overdraft a Credit Card?

It may be possible to overdraft your credit card if you've opted in to over-limit protections. Learn more about credit card overdrafts and how to avoid them.

Understanding Credit Cards

What Credit Score Do You Start With?

Find out when your credit score is first generated, what factors influence it and how to start building strong credit from the beginning.

Understanding Credit Cards

What Is a Flat-Rate Cash Back Credit Card?

Learn how flat-rate cash back credit cards work, how they compare to tiered rewards cards and what to consider when choosing one for everyday spending.

Understanding Credit Cards

Can You Change Your Credit Card Due Date?

You may be able to change your credit card due date online or by calling your issuer. Read on to learn how to request it and what to consider first.

Understanding Credit Cards

What Happens If You Miss a Credit Card Payment?

If you miss a credit card payment, you may face penalties and credit score damage. Read on to learn more about the impacts and how to navigate missed payments.

Understanding Credit Cards

What is Creditworthiness?

Learn the definition of creditworthiness, what factors influence it and get tips on improving creditworthiness to secure better credit terms and lower interest rates.

Understanding Credit Cards

What Is a Finance Charge on a Credit Card?

A credit card finance charge can include things like interest and fees. Read on to learn how finance charges are calculated and when they apply.

Understanding Credit Cards

What Is Provisional Credit and How Does It Work?

Learn what provisional credit means, when it’s issued during a dispute and what happens after the investigation ends. Explore provisional credit.

Understanding Credit Cards

Is It Good to Pay Your Credit Card Early?

Learn whether paying your credit card early can help you avoid interest, reduce your balance and boost your credit score and when it makes sense to do so.

Understanding Credit Cards

Prepaid Debit Card vs. Secured Credit Card

Prepaid debit cards and secured credit cards are both cash alternatives, but they work differently once set up. Read on to learn the differences, including how they work and how to choose.

Understanding Credit Cards

Do Prepaid Cards Build Credit?

Find out whether prepaid credit cards can help build your credit. Learn how they work, why they don’t affect your credit score and what to use instead.

Understanding Credit Cards

How to Apply for the Citi Strata Elite℠ Card

Ready to upgrade your travel experience? Learn how to apply for the Citi Strata Elite℠ Card to access premium travel perks for your next trip.

Understanding Credit Cards

APR vs. Interest Rate on Credit Cards

Learn the difference between an APR vs. interest rate on a credit card, how they impact your finances, and what to look for when applying for one.

Understanding Credit Cards

Can You Use a Personal Credit Card for Business?

There are risks to using a personal credit card for business expenses. Learn the benefits of having a business credit card and reasons to keep expenses separate.

Understanding Credit Cards

How to apply for the Citi Double Cash® Card | Citi.com

Learn how to apply for the Citi Double Cash® Card step- by- step. Explore the benefits of this credit card, the conditions to know, and how to pre-qualify.

Understanding Credit Cards

Why Get a Credit Card to Pay for Internet Bills?

Credit cards can offer internet subscription benefits that you won’t get with debit cards. Discover the benefits of using a credit card to pay for your internet.

Maximizing Credit Card Rewards

What Citi Credit Cards Offer Gym and Fitness Perks?

Explore Citi credit cards that offer fitness-related perks, including rewards on gym memberships, personal training and everyday wellness spending

Maximizing Credit Card Rewards

What Citi Credit Cards Offer Streaming Service Perks?

Learn how Citi credit cards reward streaming subscriptions, from earning ThankYou® Points to cash back on everyday streaming purchases

Maximizing Credit Card Rewards

Costco Credit Card Dining Benefits Explained

The Costco Anywhere Visa® Card by Citi offers 3% cash back on qualifying restaurant purchases. Learn more about Costco credit card dining benefits.

Maximizing Credit Card Rewards

Cash Back vs. Travel Rewards Credit Card: Which Should You Get?

Confused about cash back vs. travel rewards? Discover tips on choosing the best type of credit card for your lifestyle and ways to maximize your rewards.

Maximizing Credit Card Rewards

How to Redeem Costco Cash Back Rewards

Explore redeeming Costco Cash Back Rewards with the Costco Anywhere Visa® Card by Citi.

Maximizing Credit Card Rewards

What are Credit Card Reward Points and How Do They Work?

Credit card points reward you for every dollar you spend. Discover how you can earn them, redeem them for shopping or travel, and get rewarded with this guide.

Maximizing Credit Card Rewards

How Do Travel Credit Cards Work

Travel rewards credit cards can let you earn points or miles for your next trip. Learn more about how travel rewards credit cards work.

Maximizing Credit Card Rewards

Best Time to Book Award Travel

Get advice on the best time to redeem your points or miles earned from travel rewards credit cards to book flights, hotels or get deals on award seats

Maximizing Credit Card Rewards

Can the Right Cash Back or Rewards Credit Card Help You Save Money?

A credit card can be a tool for smart spending. It can also be a money-saving tool, if you have the right card & use it wisely.

Maximizing Credit Card Rewards

How to Redeem Your Credit Card Reward Points

Learn how to use and redeem credit card reward points to make the most of your everyday spending and maximize the points on your reward cards.

Maximizing Credit Card Rewards

What Is Cash Back on a Credit Card?

Cash back is a credit card benefit that allows you to earn cash rewards when making eligible purchases. The way cash back works depends on your credit card.

Maximizing Credit Card Rewards

7 Tips for Using a Credit Card Abroad

Using a credit card internationally can be complex. Learn the basics like foreign transaction fees, travel reward perks and dynamic currency conversion.

Maximizing Credit Card Rewards

Find The Right Credit Card for Your Grocery Purchases

Earn points or airline miles when you use your credit card on grocery purchases. Compare benefits and cards to find the right credit card to use on groceries.

Maximizing Credit Card Rewards

How to Redeem Citi Double Cash Credit Card Rewards

The Citi Double Cash® Credit Card offers unlimited cash back on everyday purchases. Learn how to redeem Citi Double Cash® rewards.

Maximizing Credit Card Rewards

The Citi Double Cash® Credit Card New Cardmember Bonus

Maximizing Credit Card Rewards

How to Earn Cash Back Rewards with the Costco Anywhere Visa® Card

The Costco Anywhere Visa® Card by Citi lets you earn cash back rewards at Costco and everywhere you shop. Learn more about how to earn cash back rewards.

Maximizing Credit Card Rewards

Credit Card Reward Points vs. Cash Back: How to Decide

Cash back or reward points? Learn the differences between cash back and reward points credit cards and what to consider when choosing your next card.

Maximizing Credit Card Rewards

Citi Double Cash® Credit Card Benefits

The Citi Double Cash® Credit Card includes benefits like 24/7 customer service and cash back rewards. Learn more about Citi Double Cash® Credit Card benefits.

Maximizing Credit Card Rewards

Citi Strata Elite℠ Card Travel Benefits

From bonus points on lounge access and up to $700 in annual credits, the Citi Strata Elite℠ Card has plenty to offer frequent travelers.

Maximizing Credit Card Rewards

Citi Strata℠ Card Travel Benefits

Learn about the Citi Strata℠ Card’s many travel benefits. From access to the Citi Travel® portal to our various points transfer partners, this card is the perfect travel companion. 

Maximizing Credit Card Rewards

Citi Strata Premier^®Card Benefits

With 10x points on hotels, car rentals and attractions booked through Citi Travel® and more, the Citi Strata Premier® Card has plenty to offer.

Maximizing Credit Card Rewards

Citi Strata℠ Card Benefits

Learn about the benefits of the Citi Strata℠ Card. From earning points on everyday purchases to access to Citi Travel®, the Citi Strata has plenty to offer.

Maximizing Credit Card Rewards

Citi Strata Premier® Card Travel Benefits

With access to Citi Travel®, a $100 annual hotel benefit, travel insurance, and more, the Citi Strata Premier® Card has plenty to offer both frequent and casual travelers.

Maximizing Credit Card Rewards

Citi Strata Elite℠ Card Benefits

Discover the premium benefits of the Citi Strata Elite℠ Card. Enjoy rewards on everyday purchases, lounge access and other perks that elevate your lifestyle.

Maximizing Credit Card Rewards

Citi Strata℠ Card: Your Guide to the Eligible Self-Select Category Benefit

Unlock rewards with the Citi Strata℠ Card. Earn 3 ThankYou Points for every $1 spent in an eligible Self-Select Category. Explore your options now.

Maximizing Credit Card Rewards

Citi Nights℠: Earn More on Weekend Dining

Discover Citi Nights℠ with the Citi Strata Elite℠ Card. Earn 6X points at restaurants on weekend evenings, plus access to exclusive events through Citi Entertainment®.

Maximizing Credit Card Rewards

Does Citi Strata Elite Provide Priority Pass Access?

Citi Strata Elite cardmembers get a complimentary Priority Pass Select membership for access to 1,500+ airport lounges worldwide. Read to learn about more benefits.

Maximizing Credit Card Rewards

What Citi Credit Cards Offer Airport Lounge Access?

Some Citi® credit cards offer airport lounge access. Learn about Citi's lounge and travel benefits to upgrade your next trip.

Maximizing Credit Card Rewards

What Citi Credit Cards Offer Gas & EV Charging Rewards?

Learn which Citi credit cards offer rewards on gas and EV charging purchases, plus tips to help you earn more every time you fuel up or plug in.

Maximizing Credit Card Rewards

What Are the Benefits of the AT&T Points Plus® Card from Citi?

The AT&T Points Plus® Card offers a mix of tailored benefits and more universal options, like the ability to earn and redeem points, get monthly discounts and access robust security features.

Maximizing Credit Card Rewards

Can You Get Cash Back with a Credit Card?

You can get cash back with a credit card through cash back programs. You can earn a flat percentage or higher amounts in certain categories on all eligible purchases.

Managing Your Money & Lifestyle

How to Shop at Costco: 6 Hacks for Savings

Wondering how to make the most of your Costco shopping? Here are 6 Costco shopping tips to help you find great deals.

Managing Your Money & Lifestyle

ThankYou® Reward FAQs

Here’s what you need to know about ThankYou® Rewards, including how to redeem Points.

Managing Your Money & Lifestyle

Teaching Financial Literary to Teens

Learn about importance of discussing financial literacy with teens, including tracking expenses, understanding how credit cards work and investing basics.

Managing Your Money & Lifestyle

How to Monitor Your Credit for Free

Maximize your financial health: Learn how to monitor your credit by requesting a free annual report from each credit bureau and tracking your credit score.

Managing Your Money & Lifestyle

What Happens if You Go Over Your Credit Limit

What happens if you go over your credit limit? Avoid the pitfalls of a maxed out credit card with our essential tips for smart financial management.

Managing Your Money & Lifestyle

What is an APR on a Credit Card?

A credit card annual percentage rate (APR) is the cost of borrowing money. Discover how credit card APRs work and how to avoid paying credit card interest.

Managing Your Money & Lifestyle

How to Get a Costco Membership

Becoming a Costco member means you will have access to quality and value, Costco Travel and more. Learn how to join Costco in-person, online or over the phone.

Managing Your Money & Lifestyle

How to Find Costco Deals and Sales

Learn how to find deals on the Costco Mobile® App, Costco.com and in the warehouse, as well as with a Costco credit card that provides rewards on purchases.

Managing Your Money & Lifestyle

How To Use Your Costco Executive Membership Benefits

Costco Executive Membership offers rewards on purchases and more benefits. You can maximize your Costco member perks with the Costco Anywhere Visa® Card by Citi.

Managing Your Money & Lifestyle

How to Save Money at Costco

Explore ways to maximize the benefits of shopping at Costco, from shopping with a plan to using a Costco Anywhere Visa® Card by Citi to earn rewards.

Managing Your Money & Lifestyle

How Long Do Late Payments Stay on Your Credit Report?

A late payment can stay on your credit report for up to 7 years. Discover what counts as a late payment, possible credit impacts and how to avoid late payments.

Managing Your Money & Lifestyle

What Is a Credit Limit?

Your credit limit is the maximum amount you’re allowed to spend on a credit card or line of credit. Learn how credit limits work and what happens if you exceed yours.

Managing Your Money & Lifestyle

What Is an Authorized User on a Credit Card?

Authorized users can use the primary cardholder’s credit card account for purchases. Discover authorized user responsibilities and credit impacts.

Managing Your Money & Lifestyle

What is the Prime Rate?

The prime rate is the interest rate at which banks lend to their most creditworthy customers. Learn how the prime rate is set and what it can impact.

Managing Your Money & Lifestyle

Why Should I Use a Credit Card for Purchases?

How do you use a credit card while staying financially responsible? Weigh the benefits and drawbacks with tips for using a credit card wisely.

Managing Your Money & Lifestyle

4 Things You Need to Know About Holiday Spending

Discover how your credit health, spending habits and lifestyle can influence one another.

Managing Your Money & Lifestyle

7 Secrets to Shopping Smarter: Ways to Save Money on Holiday Gift Ideas

Cut down on holiday costs this year with these 7 shopping se-crets. You don't have to skimp on your best holiday gift ideas with these quick shopping tips.

Managing Your Money & Lifestyle

Can You Pay Your AT&T Bill with a Credit Card?

Wondering if you can pay your AT&T bill with a credit card? Learn how to set up online payments, other ways to pay and how to leverage credit card benefits.

Debt Management

Shared Credit Cards: Joint Credit Cards vs. Authorized Users

Explore the world of shared credit cards to discover the right choice for you and your partner's financial goals. Learn how joint cards compare to authorized users.

Debt Management

How to Get Out of Credit Card Debt

Are you ready to get rid of your credit card debt? Learn more about credit card debt and follow these strategies to pay your credit card debt.

Debt Management

What is the Debt Avalanche Method?

The Debt Avalanche Method may help you pay off debt quickly. By tackling high-interest debt first, you can reduce the amount of interest you pay.

Debt Management

What Is the Debt Snowball Method?

Learn how the debt snowball method works. Pay off small debts first, build momentum and see how the debt snowball compares to the debt avalanche.

Debt Management

Can You Pay a Loan With a Credit Card?

Learn how to pay off personal loans using your credit card. Find out if you can pay personal or car loans with credit cards and the tools that may help.

Debt Management

Credit Card Debt Relief

Learn about credit card debt relief options, including consolidating debt with a personal loan and transferring balances to a balance transfer credit card.

Debt Management

What Happens to Credit Card Debt When You Die?

If you pass away, your estate may be used to pay credit card debt. Learn more about what happens to credit card debt after you die.

Debt Management

What Is Debt-to-Income Ratio?

Learn about debt-to-income ratio (DTI), which is calculated by dividing your monthly debt payments by monthly gross income, and why DTI is important to lenders.

Debt Management

How to Consolidate Your Credit Card Debt

Credit card debt consolidation involves combining your outstanding credit card balances into a single, manageable credit card payment.

Debt Management

Shared Credit Cards: Joint Credit Cards vs. Authorized Users

Considering a shared credit card? Learn the differences between joint credit cards and authorized users to choose the right fit for you.

Debt Management

Understanding Credit Card Debt Forgiveness

Learn about credit card debt forgiveness and find ways to make your debt manageable. Explore debt consolidation, credit counseling and other strategies.

Rebuilding Credit

11 Interesting Credit Card Facts You Should Know

Discover helpful credit card facts. Learn 11 key facts about credit cards to help you manage your account and handle credit effectively.

Rebuilding Credit

How to Rebuild Credit

Rebuilding credit takes patience and consistency. From making on-time payments to keeping your credit utilization low, here are 9 ways to rebuild your credit.

Rebuilding Credit

3 Smart Ways to Improve Your Credit Health

There are three quick, smart steps you can take to help keep your credit healthy - even before your monthly statement rolls in.

Rebuilding Credit

What Is a Thin Credit File?

You might have a thin credit file if you don’t have many credit accounts or if your credit report doesn’t have enough information to calculate a credit score.