With all of the credit card offers available to the public, consumers often have a difficult time choosing the one thats right for them. Citibank, one of the leading credit card companies in the United States, has a variety of cards from which to choose. I will now highlight four Citi offers for those trying to decide which card is the right one for them. Read on for information about the top four Citi credit cards.

Citi Platinum Select Card

One of the most important factors when choosing a credit card is security. With identity theft on the rise, consumers need to take extra precaution to ensure that their financial and personal information is secure. The Citi Platinum Select card comes with a photo and signature option on the front of the card and Citi will temporarily block your card if strange activity is noticed.

The Citi Platinum Select card has no annual fee and 0% APR on purchases and balance transfers for the first twelve months. This means that you can consolidate your debt by transferring balances from other credit cards onto the Platinum Select card and be relieved of paying interest for one full year . There is also no balance transfer fee for the initial transfers. And if youre in a hurry to get a decision, you can apply online and get an instant response. I recommend this card to anyone who wants top security in their credit card and who doesnt want to pay an annual fee.

Citi Dividend Platinum Select Card

Rewards are a major factor when trying to find the right card. If you plan to use your credit card for everyday purchases such as groceries and gas then a reward card will give you more benefits than a standard credit card. Citibank offers the Citi Dividend Platinum Select card, which also has no annual fee and 0% APR on balance transfers. You can consolidate your debt while earning cash back on all of your purchases.

When you use the Citi Dividend Platinum Select card, you get 5% back on purchases at supermarkets, drug stores and gas stations. With all other purchases, you receive 1% back. I recommend this card to anyone with balances on other cards, and anyone who uses their credit card regularly. If youre going to pay with a card, you might as well earn cash back.

Citi PremierPass Card

This is another reward card from Citibank, but its approached from an entirely different direction. Citi has implemented something called the Thank You program, which allows customers to earn points when they use the card. The points can be redeemed later for merchandise and airline flights.

Again, this card has no annual fee, which means that you dont have to pay to use the card. When you use it to buy airplane tickets, you earn Flight Points, and when you use it to buy other goods, you earn Spend Points and Purchase Points. As soon as you make your first purchase, Citi gives you 15,000 bonus points.

Citi Diamond Preferred Rewards Card

Another favorite Citi card is the Citi Diamond Rewards card. The structure is very simple, and the card rewards you for spending money on everyday necessities. When you use the card at supermarkets, gas stations and drug stores, you receive five points for every dollar you spend, and when you use it elsewhere, you receive one point on the dollar. Citi gives you 5,000 bonus points after your first purchase, which can be redeemed for a $50.00 gift certificate.

This card carries no annual fee, with 0% APR on balance transfers for the first twelve months. This card requires excellent credit for approval, but it has a low APR for a rewards card. I recommend this card to anyone who needs online support and who uses their credit card to pay for everyday purchases.

Now remember, whatever Citi credit card you choose, make sure you understand the terms and conditions, and use your credit card wisely.

Copyright Ed Vegliante. Free online reprints of this article are allowed provided the resource box remains intact with a live link back to http://www.credit-card-surplus.com .