Updated Credit Card Profile: Citibank Clear Visa
Do you want an overall decent deal on your next credit card? If a no frills card offers too little for you but you don’t want a complicated rewards programme to worry about, you might want to check out the Citibank Clear Visa card. It offers reasonable fees and rates and some special offers to give you a little bit extra as a cardholder.
Learn more about the Citibank Clear Visa credit card below and apply online today if it sounds like the right card for you.
Interest Rates*: With the Citibank Clear Visa credit card, you’ll get a reasonable 15.99% interest rate on new purchases. You can avoid interest charges altogether if you pay your balance in full each month. That’s because this credit card offers you up to 55 interest free days when you do so.
Using a credit card to withdraw cash is rarely advisable. But if you decide to do that, this card features a 21.74% interest rate. Just
Top 5 Credit Card Offers
Comparing a current credit card with new credit offers is a great way to make sure you have the best deal for any situation.
These highly competitive deals change all the time, so it makes sense to regularly review what options are available and could add more benefits to using credit.
Unfortunately a lot of credit card offers advertised are of the introductory variety, which means the low rates or large amount of points you get upon signup could quickly be replaced with more expensive ongoing features.
The good news is that most credit card offers are variations of one another, so while the specific deals may change, the five offers below give you a good idea of what to look for and how to get the most out of getting a new card.
12-Month Balance Transfers
People with large credit card debts benefit from balance transfers through the lower rates of interest applied to the carried balance.
A card with an introductory period of more than a year, like the Bank of Melbourne Vertigo’s 12-months at 0.99%, gives people time to pay off as much as possible without a lot of interest building up.
0% Interest Rates
The high level of credit card debt has led credit card providers to 0% balance transfer and purchase rate introductory offers that are incredibly popular with cardholders.
Unfortunately a quick fix is usually not an option, so if you want to get the most out of a deal like this, make sure it will be in your best interest for the long term.
Double-Point Periods
Reward card offers often come in the form introductory periods where people can earn twice the usual amount of points per dollar spent on the card.
This period gives people a chance to earn more rewards at their own rate, but make sure the ongoing point deal is worth it before you sign up.
Signup Bonus Points
The most common offer for point-based reward cards is a bonus for people when they sign up and use the card.
A current example is the American Express Platinum Edge, awarding cardholders 25,000 once $500 is spent on the card in the first two months. T
What’s in Our Wallets? The Nerds Name Their Credit Cards
We come across a lot of good credit cards over here at NerdWallet, enough to make even the most ardent credit card enthusiast just a bit jaded. 100,000-mile bonuses, free nights at the Hyatt, weve seen it all and recommended quite a few. But have you ever wondered which credit cards are good enough to hold our interest, able to bear the heavy crown that is being a nerds chosen card? Wonder no more: the NerdWallet team eats the dog food and gives firsthand reviews of what cards we keep close at hand.
Our credit cards run the gamut. Tim and Jacob, our CEO and COO respectively, have the travel credit card market down to a science. International travelers both, they consider waived foreign transaction fees a must.
Broke Gal in NYC, Part 4: The New Year in Numbers
- Prep for tax time and get organized. Know what forms you need and from whom you should expect to receive them. Remember that you might not just get a W-2; if you have made payments over $600 on qualified federal student loans, had interest income from investments or savings, or got unemployment or other such benefits in 2011 you will need to report that income, too. Make it easier on yourself by making a list of income sources, needed forms, and any other tax-related paperwork so that if there is a snag, you have time to fix it before April 15th.
- Know your expenses. If you blog, freelance, sell things online, run a home-based business, or have other alternative forms of income, you may be entitled to deduct certain expenses from your tax liability.
6 Tips for Instant Credit Card Approval
You see it all the time: “Instant Approval!” or “Approval in just 30 Seconds!” But whenever you apply, it’s not quite as “instant” as advertised, is it? More often than not, you get an “application 
pending” message from the credit card company. There are even plenty of anecdotal stories about this happening to people with good credit. So, what can you do to make sure that every instant approval is just that, instead of a “pending” and a lengthy call to a reconsideration line?First, we need to understand the “instant approval” process … wh