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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?

Rewards Rate

Intro Balance Transfer APR

No annual fee and $0 liability on unauthorized charges

Extra Perks

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

Citibank

Earn cash back twice. 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

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℠

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

6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions.

Bonus Cash Back

3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more. 3% Cash Back at U.S. gas stations. 1% Cash Back on other purchases.

Welcome Offer

 was specifically designed for consumers who spend a lot of money on groceries and gas purchases. Cardholders receive 

By offering up to 6% cash back on a number of popular bonus categories, this card is an excellent option for anyone looking to maximize their cash back rewards. In addition to this, cardholders can kickstart your cash back earnings and earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.

 annual fee associated with this card, but that's pretty easy to justify when you consider all the cash back it offers. To top it off, there is an intro APR of 

. After the intro period, the ongoing interest rate is 

The annual fee is not waived in the first year

There is an annual cap on the amount of cash back you can earn in the 6% categories

Maximize your spending with a market-leading cash back rate in popular spending categories.

Earn up to 6% cash back in a number of popular spending categories

Receive a generous welcome offer after meeting spending requirements

Intro APR

American Express

Earn a $250 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months. 

6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 

6% Cash Back on select U.S. streaming subscriptions. 

3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases. 

Low intro APR: 0% for 12 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. 

Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit. 