I've been a citi card holder since 1991.  Fresh out of college, I needed a solid credit card that wouldn't slam me with a high APR.  After getting my first real job, I stop carrying a balance.  Smart right?  A few years ago, Citi dreams up a fabulous idea.  They decide to reward customers with MONEY BACK on their purchases!  Every day purchases AND EXTRA money back at food & drug stores, gas, and even your utility bill! And when your rewards hit at least $50, they cut you a check!  On top of that, they have an online shopping network where you can earn EXTRA… read full review »