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You already know that credit cards can help you make purchases when you’re low on cash. You may even be savvy enough to take advantage of perks like rewards and cash-back offers. 

10 Secret Benefits of Credit Cards That You Need to Know About

You’re finally ready to upgrade your master bathroom, rehab your kitchen, or replace your leaking roof. The problem is, you don’t have enough cash to cover your home renovation project.

I’m making home renovations – should I get a loan or a credit card?

As much as we’d like to simply tell you the magic number of credit cards you should have in your wallet, it’s not that easy.

Is there such thing as too many credit cards?

Whether you lost track of your balance or you missed a payment, somehow you reached your credit card’s spending limit and sailed right on past it. So what happens now?

Oops, I went over my credit card limit. Now what?

From bill collectors to farmers market vendors, it seems like just about everyone accepts credit cards today. That’s why cold, hard cash can feel almost foreign.

Should I ever get a cash advance on my credit card?

The credit card debt spiral can happen more quickly than you might think: One day you’re obediently paying off your balance every month, and before you know it, you’re drowning in interest because you’ve fallen a bit behind on payments.

Should you accept a balance transfer credit card offer?

Intro Balance Transfer APR

Intro Purchase APR

Regular APR

 is a top pick for anyone looking to save money with a long intro APR on balance transfers. This card comes with an intro APR of 

. That lengthy intro period on balance transfers could potentially save you hundreds of dollars if you’re currently paying a high interest rate on another credit card.

 can come in handy if you need to make a big purchase and want to spread the payments out over a year with no interest. After the intro APRs, the ongoing interest rate will be 

. To top it off, the Citi Diamond Preferred charges no annual fee.

While this card doesn’t come with a dedicated rewards program on purchases, cardholders will enjoy access to Citi Entertainment® which offers special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more. And as you use this card to pay down your balances, you can monitor your FICO® score online for free.

No rewards program or cash back on purchases

Escape high interest rates with extra-long 0% intro APR

Pay no annual fee and enjoy free access to your FICO® score online

Complimentary access to Citi Entertainment®

Citibank

0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.

There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater

Get free access to your FICO® Score online.

With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.

Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.

The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Citi® Diamond Preferred® Card

Get the Citi Diamond Preferred Credit Card and start saving money with low interest rates. Apply securely online today! | CompareCredit

Citi Diamond Preferred Credit Card Review | CompareCredit

Welcome Offer

Rewards Rate

Easily redeem cash back for statement credits, gift cards, and merchandise

Cash Back Details

Enjoy extra flexibility while earning cash back with the 

 so you never have to worry about special bonus categories or annoying caps on how much you can earn. Whether your spending money on groceries, online shopping, or just paying everyday bills, you'll earn the same generous rewards rate.

As a welcome offer for new cardholder you can earn a 

. Cardholders will also enjoy a lengthy introductory APR: 

After the intro period is up, the ongoing APR will be 

 depending on your creditworthiness. That intro period can be really helpful if you need to make a big purchase and want to spread the payments out over time interest free. To top it off the 

This card has something for everybody: generous cash back rates, low interest, and a nice welcome offer. 

Intro APR

Extra Perks

American Express

Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership. 

Unlimited 1.5% Cash Back on your purchases. 

Low intro APR: 0% for 15 months on purchases from the date of account opening, then a variable rate, currently 13.99% to 23.99%. 

Plan It® gives the option to select purchases of $100 or more to split up into monthly payments with a fixed fee and no interest. 

Amex Offers rewards you at places you like to shop, dine, travel, and more. You can add as many Offers as you’d like to your Card, then just use that Card to pay, and enjoy rewards directly on your statement. 

Cash Back is received in the form of Reward Dollars that can be redeemed for statement credits. 

American Express Cash Magnet® Card – $150 Welcome Offer

Get the American Express Cash Magnet Credit Card and start earning cash back on every purchase. Apply securely online today! | CompareCredit

American Express Cash Magnet Credit Card Review | CompareCredit

No annual fee and $0 liability on unauthorized charges

When it comes to no annual fee cash back cards, the 

 is truly one of a kind. That's because this is the only card that allows you to earn cash back twice. Cardholders earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. There are no limits to how much cash back you can earn and your cash back won't expire.

 is the perfect option for any consumers who don't want to have to put any extra thought into their credit card rewards. There's no rotating categories and no special bonuses on certain spending. You simply earn the same flat-rate of 2% no matter what you are purchasing.

This card even comes with a top-tier intro APR on balance transfers: 

. If you're paying a high interest rate on your current credit card, that intro period can help you escape those pesky interest charges. After the intro period is up, the ongoing APR is 

. With the generous cash back rewards and the lengthy intro APR on balance transfers, the 

 is a great choice for almost any consumer.

With 2% cash back and a lengthy balance transfer intro rate, there is a lot to love with this card.

One of the best flat-rate cash back offers available

Extra-long intro APR on balance transfers

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

To earn cash back, pay at least the minimum due on time.

Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.

If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.

There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.

The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Citi® Double Cash Card – 18 month BT offer

Get the Citi Double Cash Credit Card and start earning cash back on every purchase. Apply securely online today! | CompareCredit