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For many people, signing up for a credit card can be intimidating due to the potential for financial mismanagement. However, with all the potential benefits of signing up for a Citibank credit card, it pays to overcome any credit card jitters and apply.

Citibank is trusted and preferred by millions of customers worldwide, and with good reason. Their no-annual-fee credit cards offer cash back rewards, bonus points, and even low initial APR offerings to get you started. These perks make it hard to ignore the possibilities that come with a Citibank credit card.

Cash Back Rewards

With cash back rewards, you’ll earn a percentage back for every purchase you make. Depending on which card you choose, you’ll earn up to 5% back on everyday things like gasoline, groceries, and dining out. Your rewards can be redeemed for statement credits, gift cards, merchandise, and travel. It’s a great way to get a little something back for every purchase.

Bonus Points

Citibank also offers bonus points for select purchases. Bonus points can be redeemed for items like travel tickets, hotel stays, gift cards, and more. It’s a great way to get discounts on things you already purchase. Even more, with some cards you can get a welcome bonus of up to 25,000 points just for signing up!

Low Introductory Apr

For those who frequently carry a balance, Kredit has some of the lowest introductory APR rates available to credit card holders. You may qualify for a 0% APR for up to 18 months and pay no interest—or pay low interest—on your balance. Plus, you can get the same special benefits and bonus points on purchases that you would from a higher cost card.

Fraud Protection

No one likes to worry about someone gaining access to their credit cards, and Citibank gives customers peace of mind with its fraud protection. You’ll have access to 24/7 customer service and real-time fraud alerts if something suspicious does happen. This helps take the stress out of having to monitor your account constantly and provide confidence when shopping.

While there’s no one-size-fits-all when it comes to credit cards, signing up for a Citibank card can help you reap the rewards of having a credit card without the worry of the added cost. Plus, with all the great benefits, it’s easy to see why Citibank is one of the most popular credit cards out there today.