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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?

No rewards program or cash back on purchases

: Since this card focuses primarily on helping you save money with lengthy low interest rates, you won't earn rewards on purchases

A Balance transfer fee applies with this offer 3% of each balance transfer; $5 minimum:

 This is standard for most balance transfer cards, but it's important to note that you will be charged a fee for balance transfers

Intro Balance Transfer APR

Intro Purchase APR

Regular APR

, from our partner Citibank, 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.

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®

 on purchases and balance transfers, plus no annual fee

Current Offer

A top pick for people looking to save money on credit card interest. The 

, from our partner Citibank, is a no annual fee card that offers one of the longest 0% Intro APR available for purchases and balance transfers.

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

 0% for 18 months on Balance Transfers and purchases:

 Having almost two years of 0% interest could potentially save you thousands of dollars if you are transferring your balance from a high-interest credit card or if you need to make a big purchase and want to spread your payments our over time.

: Many of the top credit cards come with annual fees that cut into your savings – not here. Plus, you can easily track your FICO® score online as your pay down your balance.

: Being a cardholder gets you special access to tickets to thousands of events including concerts, sporting events, and more.

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

 is focused on balance transfers it doesn't provide any intro APR on purchases.

Balance transfer fee applies with this offer 3% of each balance transfer; $5 minimum:

 Balance transfer fees can go up to 5% on other cards. So while a 3% fee is a downside, it's not as bad as some other cards out there with shorter periods of 0% Intro APR on Balance Transfers and higher fees.

Rewards Rate

No annual fee and $0 liability on unauthorized charges

Extra Perks

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

, from our partner Citibank, is truly one of a kind. That's because this is the only card that allows you to earn cash back twice. Cardholders 

. 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

The Citi® Double Cash Card is one of the most rewarding cash back credit cards with no annual fee. If offers unlimited cash back and comes with one of the longest 0% Intro APR for balance transfers available.

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

One of the best flat-rate cash back offers available:

 Most credit cards that offer a flat cash back rate on every purchase either offer 1.5% or 1.0%. With the 

Extra-long intro APR on balance transfers:

 Most credit cards that offer 0% Intro APR on balance transfers (which not many do) only offer it for a 6 to 12 months. with the 

No annual fee and $0 liability on unauthorized charges:

 offer comes with no annual fee and offers you peace of mind knowing that you will not be liable for any unauthorized charges that may occur, if any do, while your account is active.

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

Citi Double Cash Credit Card Review | CompareCredit

: If you use this card while traveling outside of the United States you will be charged a small fee for each transaction. Some credit cards offer no foreign transaction fees.

: Either $10 or 3% of the amount of each transaction, whichever is greater. This is normal for balance transfer card, but it's something to be aware of if you're planning on performing a balance transfer.

Bonus Cash

0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days

Intro APR

This one-of-a-kind cash back credit card gives you the power to choose what spending categories you earn bonus cash in. As a cardholder you earn 

There's a wide selection of categories you can choose from for the 3% cash back, including gas, online shopping, dining, travel, drug stores, or home improvement/furnishings. Not only that, but new cardholders also receive a 

In addition to the generous cash back rewards this card comes with 

Cash back on your terms – 3% cash back in the category of your choice

One-of-a-kind cash back program that allows you to choose your bonus category

Generous sign up bonus to kick start your cash back earning

No annual fee and a lengthy intro APR on purchases and balance transfers

CURRENT OFFER

Perhaps the most flexible cash back card on the market, the 

 let's you choose the spending category where you earn the most cash back. This card also comes with a big sign up bonus, 0% intro APR, and no annual fee.

Bank of America

$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening

Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases

0% Introductory APR for 12 billing cycles for purchases, and for any balance transfers made in the first 60 days. After the intro APR offer ends, 13.99% - 23.99% Variable APR will apply. A 3% fee (min $10) applies to all balance transfers

If you're a Preferred Rewards member, you can earn 25% - 75% more cash back on every purchase

Contactless Cards - The security of a chip card, with the convenience of a tap

Bank of America® Cash Rewards credit card

: Many credit cards offer bonus cash back in one or two special spending categories, but this is the only card we've found that let's you CHOOSE the category that best fits your lifestyle and spending habits.

: The $200 online cash rewards bonus is above the industry average when compared to other no annual fee cash back credit cards.

: On top of the cash rewards, these extra perks help you save money by avoiding fees and expensive interest charges.

Get the Bank of America Cash Rewards credit card and start earning cash back on every purchase. Apply securely online today! | CompareCredit