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A Discover credit card can be a good alternative to a Citgo credit card. And since you are planning to close your Citgo credit card, you may want to transfer its balance to a new credit card to pay it off at 0% interest. For example, the Discover it® Chrome card gives 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter. All other purchases will earn 1% cash back. You don't need to sign up, you just use the card and earn cash back. The card also has a 15-month 0% APR on purchases and balance transfers (when the introductory interest rate is over, the ongoing APR of 17.24% - 28.24% Variable APR will apply), has no annual fee and no foreign transaction fees.