Rewards & Benefits

# Credit Cards That Reward Every Spend

From unlimited cash back to travel miles, CTGMC has a card for every lifestyle. 0% intro APR available on select cards.

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CTGMC
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CTGMC
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CTGMC
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5%
Max Cash Back
0%
Intro APR Available
€0
Annual Fee Options
2M+
Cardholders
Our Cards

## Cards for Every Lifestyle

Earn rewards, travel the world, or simplify your finances — there's a CTGMC card built for you.

Cash Back Platinum BEST
Unlimited 2% cash back on everything you buy, plus 5% on all grocery purchases. No category activation needed.
5% Cash Back
On groceries | 2% everywhere else
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Rewards Gold
Earn 3x points on dining, travel, and entertainment. Redeem for cash, travel, gift cards, and more.
3x Points
Dining · Travel · Entertainment
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Travel Premier
60,000 bonus miles on approval + airport lounge access + no foreign transaction fees. The ultimate travel companion.
60,000 Miles
Welcome bonus + lounge access
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Balance Transfer Card
0% intro APR for 21 months on balance transfers. Stop paying interest and start paying down your debt.
0% APR
Intro period — 21 months
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Student Card
Build credit responsibly with 1.5% cash back on every purchase. No annual fee and a low credit threshold to qualify.
1.5% Cash Back
No annual fee · No foreign fees
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Protections & Perks

## Every Card Comes Protected

Industry-leading security and benefits come standard on every CTGMC credit card.

#### Fraud Protection

24/7 transaction monitoring and instant alerts for suspicious activity on your account.

#### Virtual Card Numbers

Generate a unique virtual card number for online purchases to keep your real number safe.

#### Zero Liability Policy

You're never responsible for unauthorized charges. We have you covered, guaranteed.

#### Travel Insurance

Trip cancellation, baggage delay, and travel accident coverage on eligible purchases.

#### Purchase Protection

Items purchased with your card are covered against damage or theft for 90 days.

#### Free Credit Score Tracker

Monitor your FICO® score monthly, right inside the CTGMC app — completely free.

Compare Cards

## Find the Best Card for You

Card | Rewards Rate | Annual Fee | Intro APR | Foreign Fee | Min Credit Score
--- | --- | --- | --- | --- | ---
Cash Back Platinum | 2–5% cash back | €0 | 0% for 15 mo | 3% | 670+
Rewards Gold | 1–3x points | €95 | 0% for 12 mo | 3% | 690+
Travel Premier | 1–3x miles | €195 | None | €0 | 720+
Balance Transfer | None | €0 | 0% for 21 mo | 3% | 650+
Student Card | 1.5% cash back | €0 | 0% for 6 mo | €0 | 580+

FAQ

## Credit Card Questions

How do I apply for a credit card?
Apply online in minutes. You'll need your Social Security Number, annual income, and housing information. Most decisions are instant. Once approved, your card arrives in 7–10 business days, and you can add it to your digital wallet immediately.
What credit score do I need to qualify?
Credit score requirements vary by card. Our Student Card accepts scores as low as 580, while premium cards like Travel Premier require 720+. Applying uses a soft pull initially, so checking your eligibility won't affect your credit score.
How do I redeem my cash back or rewards?
Rewards can be redeemed through the CTGMC app or online banking portal. Options include statement credits, direct deposit to your checking account, travel bookings, gift cards, or merchandise. There's no minimum redemption amount for cash back.
How do I request a credit limit increase?
Log into your CTGMC account and navigate to Card Services > Request Credit Limit Increase. After 6 months of on-time payments, you may qualify for an automatic increase. Manual requests use a soft credit inquiry and won't impact your score.

## Find Your Perfect Card

Apply in minutes. Instant decisions. Start earning rewards on every purchase from day one.

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