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Citi Gold MasterCard credit card reviews


Citi Gold MasterCard credit card details and credit card application link.

Like the Citi MasterCard, the Citi Gold goes with 19.99 percent interest on purchases, 22.99 percent on cash advances, and no annual fee. The difference lies in the extras involved. One of them is Citiís extended warranty policy. This special benefit is only offered to holders of Citi Gold MasterCard and Citi Platinum MasterCard. Extended warranty is very useful if the original warranty on something you charged to the MasterCard has expired. Citibankís offer entails twice the original warranty, up to one additional year. You do not need to make a special registration to take advantage. Another benefit exclusively available to Gold and Platinum holders is Purchase Assurance. If something you bought in the last 90 days is damaged, stolen or lost, this program will cover it. You are reimbursed the purchase price in full. The service does not require prior registration either. It does not matter which country you bought the item in or where you are upon making the claim. Most purchases are protected against risk involving direct physical damage and loss.

Another convenient option is paying bills online. You can obtain information on the activity at your account at any location with Internet access. Updated information is available as of the previous business day, which means it will be very easy for you to track your spending. You can view available credit, current account balance, and recent transactions. You can pay your monthly bill via your checking account at any financial institution in Canada and make additional payments throughout the month at any time. When you are making payments, you can choose from the minimum payment due, the entire balance for the given month, or a fixed sum. You must have an account at a Canadian financial institution denominated in U.S. dollars. Citi also offers MasterCard PayPass, which gives you access to all PayPass terminals. PayPass is the best, easiest, and safest way to make a payment.

Risk to purchased items and the respective coverage is not the only aspect of security that Citi is concerned with. Advanced encryption methods are used to keep your personal information safe.

If you are afraid that you might lose your job, an understandable concern keeping in mind the global economic downturn, you will be wise to opt for CreditShield. This service also covers critical illness. If you lose your job and remain unemployed for 30 consecutive days or fall victim to critical illness, CreditShield covers your minimum monthly payments for up to two years. The maximum amount covered is $10,000.

Naturally, you can compare the features of this product with the offer of another financial institution. The MBNA Gold Credit Card goes with AIR of 9.99 percent, no annual fee, credit line of up to $50,000, purchase insurance, and many additional benefits. Some of these are: 24/7 customer service, emergency cash and emergency cash transfers, Common Carrier Travel Accident Insurance, Legal Assistance, Pre-trip information, Unexpected Return Home, and Lost Document and Ticket Replacement. The card also comes with insurance packages such as Accidental Death and Dismemberment Insurance, Balance Protection, Identity Protection, and Personal Effect Benefit. Shopping benefits include Purchase Assistance and Extended Warranty Benefits. The latter extends the warranties by the manufacturer by one additional year on many of the purchases made with the credit card.


Credit Card Details
NameCiti Gold MasterCard Apply Now
TypeMasterCard
Interest Rate19.99%
Annual Fee$0
RewardsNo
Cash BackNo
AirlineNo
StudentNo
SecureNo
PrepaidNo
StoreNo
BusinessNo
Low InterestNo
Auto and GasNo
Instant ApprovalNo
Balance TransferNo
US DollarNo
No Annual FeeYes