Green Light
Proceed through a Green Light without hesitation, would get any card identified with a green light without giving it a second thought. All these are elite Credit Cards

Yellow Light
Proceed through a Yellow Light with hesitation but still run a yellow 9/10 times, would get any card identified with a yellow light but think twice or take a step back before applying

Red Light
Proceed through a Red Light with a good reason (wife’s about to give birth) would only get a card identified with a red light for a GOOD reason (going on a cruise or need to build your credit)

CITIBANK PREMIER

Pros:

-Earn 60,000 bonus ThankYou points when you spend $4,000 in purchases on your car within 3 months of opening
-Earn 3 points per $1 spent at gas stations, airfare, hotels, car rentals, public transportation, tolls, parking, travel agencies, cruise lines, campgrounds, taxis/limos/car services, timeshares, buses, motor home rentals, and boat rentals
-Get 25% more when you use your points on airfare at thankyou.com
-No foreign transaction fees
-Points can be used for almost anything and transferred to partner airlines

Cons:

-$95 annual fee is not waived for the first year of membership
-Earn 2 points per $1 spent at restaurants (not including bakeries caterers, or restaurants located inside other establishments) and entertainment
-Earn 1 point per $1 spent on everything else
-Citi got rid of all their travel insurance and purchase protection benefits
-If you cancel the card your ThankYou points disappear

CITIBANK PRESTIGE

Pros:

-Earn 50,000 bonus ThankYou points when you spend $4,000 in purchases on your car within 3 months of opening
-Earn 5 points for every $1 spent on air travel and at restaurants
-Earn 3 points for every $1 spent on hotels and cruise lines
-$250 Travel Credit each calendar year that can be used on airfare, hotels, car rentals, travel agencies, ferries, trains, taxis, cruise lines, tolls, and bus tickets
-No foreign transaction fees
-Complimentary fourth night at a hotel of your choice when booking 4 consecutive nights through ThankYou.com
-Priority Pass Select membership that includes restaurant locations
-Up to $100 statement credit for Global Entry or TSA Precheck every 4 years
-Points can be used for almost anything and transferred to partner airlines
-If your a Citigold client earn a $145 statement credit towards the annual fee

Cons:

-$495 annual fee is not waived for the first year of membership
-Earn 1 point per $1 spent on everything else
-Citi got rid of all their travel insurance and purchase protection benefits
-If you cancel the card your ThankYou points disappear

CITI AADVANTAGE PLATINUM

Pros:

-Earn 50,000 bonus AAdvantage miles after spending $2,500 in purchases on your card within 3 months of opening
-Earn a $125 American Airlines Flight Discount after you spend $20,000 or more in purchases during your card membership year and renew your card
-First check back is free for you and up to four companions traveling with you on the same American Airlines reservation
-No foreign transaction fees
-25% off inflight purchases
-$99 annual fee is waived for the first year of membership
-Keep your points if your cancel the card

Cons:

-Miles are exclusive to American Airlines products
-No anniversary bonus for the $99 annual fee
-Earn 2 miles for every $1 spent on American Airlines purchases
-Earn 2 miles for every $1 spent at gas stations and restaurants
-Earn 1 mile per $1 spent on everything else
-Citi got rid of all their travel insurance and purchase protection benefits
-If you cancel the card you can’t get another bonus for 48 months after receiving the bonus miles

CITIBUSINESS AADVANTAGE PLATINUM

Pros:

-Earn 70,000 bonus AAdvantage miles after spending $4,000 in purchases on your card within 4 months of opening
-Complimentary Companion Certificate after you spend $30,000 on your card in a card membership year and renew your membership
-First check back is free for you and up to four companions traveling with you on the same American Airlines reservation
-No foreign transaction fees
-$99 annual fee is waived for the first year of membership
-Keep your points if your cancel the card

Cons:

-Miles are exclusive to American Airlines products
-No anniversary bonus for the $99 annual fee
-Earn 2 miles for every $1 spent on American Airlines purchases
-Earn 2 miles for every $1 spent at telecommunications merchants, cable and satellite providers, car rental merchants and gas stations
-Earn 1 mile per $1 spent on everything else
-Citi got rid of all their travel insurance and purchase protection benefits
-If you cancel the card you can’t get another bonus for 48 months after receiving the bonus miles

CITI REWARDS+

Pros:

-Earn 15,000 bonus ThankYou points after spending $1,000 in purchases on your card within 3 months of opening
-Card automatically rounds up to the nearest 10 points on every purchase (if you buy a $2 cup of coffee you will get 10 points instead the standard 2)
-No annual fee
-0% intro APR on purchases and balance transfers for 15 months

Cons:

-Balance transfers carry a 3% fee and must be made within 4 months of account opening to take advantage of the 0% APR
-Earn 2 points for every $1 spent at US grocery stores and gas stations for the first $6,000 per year, 1 point after that
-Earn 1 point for every $1 spent on everything else
-If you cancel your card your ThankYou points disappear
-3% Foreign Transaction Fee

AADVANTAGE EXECUTIVE WORLD ELITE

Pros:

-Earn 50,000 miles after spending $5,000 in purchases on your card within 3 months of opening
-First check back is free for you and up to eight companions traveling with you on the same American Airlines reservation
-Admirals Club membership for you and up to two guests or immediate family members
-No foreign transaction fees
-Earn 10,000 AAdvantage Elite Qualifying Miles (EQMs) after you spend $40,000 in purchases on your card per calendar year
-25% off in flight purchases
-Receive a $145 statement credit off the annual fee if you have a Citigold account
-If you cancel your card you keep the bonus miles
-If you fly American 5 times roundtrip annually, the fee pays for itself(~$25 for a checked bag each way, ~$25 for Admirals Club access)

Cons:

-Miles are exclusive to American Airlines products
-$450 annual fee is not waived for the first year and doesn’t carry an anniversary bonus
-Earn 2 miles for every $1 spent on American Airlines purchases
-Earn 1 mile per $1 spent on everything else
-Citi got rid of all their travel insurance and purchase protection benefits
-If you cancel the card you can’t get another bonus for 48 months after receiving the bonus miles

EXPEDIA REWARDS VOYAGER CARD

Pros:

-Earn 25,000 Expedia Rewards bonus points after spending $2,000 in purchases on your card within 3 months of opening
-Earn 4 Expedia Rewards bonus points per $1 spent on Expedia purchases
-Complimentary Expedia Rewards Gold Status
-No foreign transaction fees
-Up to $100 statement credit for Global Entry or TSA Precheck every 4 years
-5,000 Expedia Rewards bonus points anniversary gift after you spend $10,000 in purchases on your card the annually
-If you cancel your card you keep the bonus points

Cons:

-Points exclusive to redemption with Expedia
-$95 annual fee is not waived for the first year
-Earn 2 Expedia Rewards bonus points $1 spent on entertainment purchases
-Earn 1 Expedia Rewards bonus point per $1 spent on everything else
-Citi got rid of all their travel insurance and purchase protection benefits

EXPEDIA REWARDS CARD

Pros:

-Earn 15,000 Expedia Rewards bonus points after spending $1,000 in purchases on your card within 3 months of opening
-Earn 3 Expedia Rewards bonus points per $1 spent on Expedia purchases
-No annual fee
-No foreign transaction fees
-Complimentary Expedia Rewards Silver status
-Earn 1 Elite Qualifying Hotel Night towards Expedia Rewards Gold status for every $2,500 in purchases made on your card annually
-If you cancel your card you keep the bonus points

Cons:

-Points exclusive to redemption with Expedia
-Earn 1 Expedia Rewards bonus point per $1 spent on everything else
-Citi got rid of all their travel insurance and purchase protection benefits

CITI DIAMOND PREFERRED

Pros:

-0% intro APR on purchases for 12 months
-0% intro APR for 21 months on balance transfers
-No annual fee
-No late fees or penalty rate

Cons:

-No intro bonus or point accrual
-If you make a balance transfer interest will be charged on your purchases after 12 months unless you pay your entire balance (including the balance transfer) off
-Balance transfers must be completed within 4 months of opening the account
-3% Foreign Transaction Fees
-5% balance transfer fee

CITI SIMPLICITY PREFERRED

Pros:

-0% intro APR on purchases for 12 months
-0% intro APR for 21 months on balance transfers
-No annual fee
-No late fees or penalty rate

Cons:

-No intro bonus or point accrual
-If you make a balance transfer interest will be charged on your purchases after 12 months unless you pay your entire balance (including the balance transfer) off
-Balance transfers must be completed within 4 months of opening the account
-3% Foreign Transaction Fees
-5% balance transfer fee

COSTCO ANYWHERE VISA

Pros:

-4% cash back on the first $7,000 spent on your card at gas stations each calendar year
-3% cash back on restaurant and travel purchases
-2% cash back on all purchases from Costco and Costco.com
-No annual fee
-No Foreign Transaction Fees
-There are some periodic discounts that Costco offers if you use the card for big purchases

Cons:

-1% cash back on all other purchases
-Cash back comes in the form of a reward certificate after your February billing statement closes that if redeemable for cash or merchandise at US Costco Warehouses
-If you cancel your card before February you lose your cash back for the year
-Card is only available to you if you have a Costco membership

AT&T ACCESS CARD

Pros:

-Earn 10,000 Thank You Points after spending $1,000 in purchases on your card within 3 months of opening
-2 points for every $1 you spend on online retail and travel websites
-No annual fee

Cons:

-Earn 2 points for every $1 you spend on products and services purchased directly from AT&T
-Earn 1 point for every $1 spent on everything else
-If you cancel your card you lose your ThankYou points
-3% Foreign Transaction Fee

CITI DOUBLE CASH CARD

Pros:

-Earn unlimited 2% cash back on every purchase, 1% when you make the purchase and 1% when you pay off the purchase
-0% APR for 18 months on balance transfers
-No annual fee
-Redeem cash back for a statement credit, direct deposit, check, or points
-Could be a good alternative if you are looking for a short term or payday loan, just don’t make any purchases on your card after the balance transfer

Cons:

-No intro bonus for spending money
-If you make a balance transfer interest will be charged on your purchases unless you pay your entire balance (including the balance transfer) off
-Balance transfers must be completed within 4 months of opening the account
-If you cancel your card you lose your cash back
-3% Foreign Transaction Fee
-3% balance transfer fee

AMERICAN AIRLINES AADVANTAGE MILE UP

Pros:

-Earn 10,000 AAdvantage miles and a $50 statement credit after spending $500 in purchases on your card within 3 months of opening
-Earn 2 miles for every $1 spent at grocery stores
-Earn 2 miles for every $1 spent on American Airlines purchases
-No annual fee
-25% off in flight purchases
-Keep the miles if you cancel the card

Cons:

-Earn 1 mile for every $1 spent on everything else
-Miles are exclusive to American Airlines products
-If you cancel the card you can’t get another bonus for 48 months after receiving the bonus miles
-3% Foreign Transaction Fee

CITI REWARDS+ STUDENT CARD

Pros:

-Earn 2,500 bonus Thank You Points after making $500 in purchases on your card within 3 months of opening
-Card automatically rounds up to the nearest 10 points on every purchase (if you buy a $2 cup of coffee you will get 10 points instead the standard 2)
-0% intro APR on purchases for 7 months
-No annual fee
-Keep the miles if you cancel the card

Cons:

-Earn 2 points for every $1 spent at US grocery stores and gas stations for the first $6,000 per year, 1 point after that
-Earn 1 point for every $1 spent on everything else
-If you cancel your card your Thank You Points disappear
-3% Foreign Transaction Fee
-Apply for Citi Rewards+ first, use this as a last resort

CITI SECURED MASTERCARD

Pros:

-Build credit history with no annual fee
-Choose your payment date (whatever day of the month works best for you)
-Access to your FICO score

Cons:

-A security deposit for the amount of your credit limit is required
-No intro bonus or point accrual
-3% Foreign Transaction Fee
-Apply for Citi Rewards+ first, use this as a last resort

COSTCO ANYWHERE VISA BUSINESS

Pros:

-4% cash back on the first $7,000 spent on your card at gas stations each calendar year
-3% cash back on restaurant and travel purchases
-2% cash back on all purchases from Costco and Costco.com
-No annual fee
-No Foreign Transaction Fees
-There are some periodic discounts that Costco offers if you use the card for big purchases

Cons:

-1% cash back on all other purchases
-Cash back comes in the form of a reward certificate after your February billing statement closes that if redeemable for cash or merchandise at US Costco Warehouses
-If you cancel your card before February you lose your cash back for the year
-Card is only available to you if you have a Costco membership