As a mid range credit card, the Citibank Clear credit card offers up to 55 days interest free and a low interest rate on purchases, however this low rate is let down by the cash advance rate.

What is most bizarre though, is that the purchase interest rate is higher than that of the Citibank Clear Platinum card….a premium card with a lower interest rate that the basic card? Weird.

But back to the task at hand…

The cash advance rate on this credit card is also the default rate for balance transfers. So while the initial rate is great and all payments go towards paying off balance transfers first, the rate is only for 6 months. If you’re not vigilant with payments while the rate is in effect then the 6 months will most likely come and go before you know it.

The rewards program on this card is a definite advantage if you happen to do a lot of traveling. As Citibank is worldwide company, there are over 40,000 restaurants, shops, hotels and other services around the world in which you can get discounts and other benefits from.

All of this comes with an annual fee. Worth it? Maybe. But if you are willing to pay just a little bit more in annual fees then it could be worthwhile looking at the Citibank Clear Platinum card.

See our top credit card picks in the Editor’s Choice category