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: Most modern cards use EMV chips for encrypted data processing and support contactless "tap to pay" for faster, secure transactions. Advanced & Unique Features

: Unique, temporary card numbers used for online shopping to protect your actual account information and manage subscriptions.

: The yearly interest rate charged on balances carried beyond the grace period. credit card required

: The smallest amount required each month to keep the account in good standing, usually a small percentage of the total balance.

: Some cards, such as the Citi Custom Cash, automatically apply the highest reward rate (e.g., 5%) to your top spending category each month. Do I Have to Pay My Credit Card in Full Every Month? : Most modern cards use EMV chips for

Beyond the basics, many issuers offer specialized features to attract specific types of spenders:

: Options like American Express Pay Over Time allow you to pay off large purchases in installments with a set interest rate rather than revolving them at the standard APR. : The smallest amount required each month to

: The maximum total balance you can carry at any time, determined by your income and credit history.