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When it comes to credit cards that pay you back, consider what the Citi Diamond Preferred Rewards Card can provide to you. Those that have good or better credit can take full advantages of this credit card. It is designed for those that have good credit and are looking for a solid reward program with some options. The Citi Diamond Preferred Rewards Card is the card to apply for if you are looking for low fees as well.
The Details
You will get several things from this credit cards offered to you by Citibank. First, you get an introductory period of 12 months where any of your balance transfers will be at a 0% rate. For your purchases, you get a reasonably low interest rate at 12.99% APR. For your cash advance needs, you will find 22.99% APR a fair rate as well. These rates are variable. There is no annual fee for this credit card either. These things make the Citi Diamond Preferred Rewards Card a good buy not even considering the fact that there are rewards.
The Rewards
Your rewards will provide you with one point per dollar. You will earn five points for each dollar you spend at various qualifying supermarkets, drugstores, gas stations and other locations during your first 12 months. This will later but 1%. All of your other purchases qualify for 1% as well. Your rewards can then be redeemed for various things including gift certificates, phone cards, rebate credits as well as the ability to get an APR point decrease for your account. Your points do expire in five years and you have a yearly limit of 75,000 points. Your first purchase will get you 5000 points just to get you started.
The Citi Diamond Preferred Rewards Card is a good choice if you are interested in the lower APR rewards or for the various choices in your rewards options. You will find it to provide a solid credit option that is rather affordable as well.
The Chase Home Improvement Rewards Card is the ideal choice in credit cards for those that plan to do home improvement projects. When you use this credit card to buy the necessary aspects of repairing or updating your home you are rewarded. If you need more incentive to get home improvement projects taken care of, this is the ideal method for obtaining those rewards. Consider the details of this credit card that is offered to those with average or better credit through Chase.
The Chase Home Improvement Rewards Card offers you twelve months of an introductory rate of 0%, which is a decent amount of time to reap these benefits. You will then have an APR starting at 13.99% for purchases and 23.99% for cash advances. In addition, you will have no annual fee and there is no limit to the amount that your credit limit can be. Little or big home improvement projects will be just fine if you are approved for a high credit limit here.
Yet, probably the most benefiting thing about the Chase Home Improvement Reward Card is that of the rewards program itself. You will earn one point per dollar. You can earn an additional 3 points per dollars pent on your home improvement purchases at various home improvement type stores. When you reach 2500 points, you can redeem them for a $25 gift certificate or opt for a $25 check to spend as you like. There are no expiration dates on rewards although you can only earn 60,000 points or 30,000 home improvement points per year.
In addition to these features, the Chase Home Improvement Reward Card provides for what you need in additional perks including emergency cash replacement, travel and emergency assistance programs, up to $500,000 in travel accident insurance, auto rental insurance as well as tips and contests for home improvement projects. There is no reason not to get more out of your home improvement projects with a credit card like this. Take some time to determine if this is the right credit card for you.