The introductory period typically lasts between 12 and 20 months. With a 0% introductory APR credit card, cardholders can revolve their balance on new purchases and/or balance transfers without paying interest. Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024. If you're willing to get a card with an annual fee, you could get a much larger welcome bonus with the Citi Premier® Card, which is currently offering 60,000 ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening. So instead of looking for a card that'll earn you cash back on certain spending categories, you might opt for a card with a welcome bonus and a spending requirement that you can hit without going beyond your means. That's like earning 40% cash back on $500. The Chase Freedom Flex℠ offers $200 cash back after you spend $500 on purchases in your first three months from account opening. If you sign up for a new card with a welcome bonus, on the other hand, you have the chance to earn a lot more money upfront. With credit cards, you typically only earn between 1% and 5% on your purchases. If you're spending a lot more than you typically would this holiday season, a card with a generous welcome bonus could be a good choice for you. Investing +More All Investing Best IRA Accounts Best Roth IRA Accounts Best Investing Apps Best Free Stock Trading Platforms Best Robo-Advisors Index Funds Mutual Funds ETFs Bonds Help for Low Credit Scores +More All Help for Low Credit Scores Best Credit Cards for Bad Credit Best Personal Loans for Bad Credit Best Debt Consolidation Loans for Bad Credit Personal Loans if You Don't Have Credit Best Credit Cards for Building Credit Personal Loans for 580 Credit Score Lower Personal Loans for 670 Credit Score or Lower Best Mortgages for Bad Credit Best Hardship Loans How to Boost Your Credit Score Taxes +More All Taxes Best Tax Software Best Tax Software for Small Businesses Tax Refunds Small Business +More All Small Business Best Small Business Savings Accounts Best Small Business Checking Accounts Best Credit Cards for Small Business Best Small Business Loans Best Tax Software for Small Business ![]() Personal Finance +More All Personal Finance Best Budgeting Apps Best Expense Tracker Apps Best Money Transfer Apps Best Resale Apps and Sites Buy Now Pay Later (BNPL) Apps Best Debt Relief ![]()
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