Citi Double Cash Card is an ideal solution for people seeking a straightforward rewards card, offering flat 2% cash back when making purchases and another 1% when paying bills.
Additionally, this program features an innovative roundup feature which rounds points to the nearest 10, helping maximize rewards on smaller purchases.
No annual fee
Citi Rewards+ Card offers new cardmembers an impressive 20,000 bonus points when spending $1,500 in the first three months after card ownership – that’s worth $150 in gift cards – making it one of the best no annual fee credit card sign-up bonuses on the market. In addition, its low intro rate for purchases and balance transfers for 12 months makes this card an excellent way to help reduce debt while saving money.
Citi offers no annual fee and offers unlimited 1% cash back on all purchases, redeemable via statement credits, direct deposit into their bank accounts or gift cards. Cardholders may even use their rewards funds for travel bookings through the Citi Travel website! In addition to cash back offers, this Citi card also features a Purchase Tracker feature that keeps track of your purchases in one convenient place.
While the Citi Rewards+ Card may be ideal for those seeking a no-fee card that rewards all spending, it might not be suitable for everyone. As it doesn’t offer similar rewards category structures as other cards from Citi, so you won’t get access to as many extra perks. Its unique feature may make it suitable for someone wanting an easy solution for tracking various rewards categories.
If you’re an avid traveler, Citi Travel Mastercard could be an ideal solution. Offering a 2% flat rewards rate on purchases of any amount – one of the highest among no-fee cards – redeemable through Citi Travel website; plus earning 15,000 ThankYou Points once spending $1,000 during first three months membership!
This card from Citi is an ideal alternative to premium cards like Citi Premier. Though you won’t be able to transfer points between partners, it still provides a generous bonus and competitive interest rates on balance transfers – you could even use this card to pay off existing debt and reduce interest costs substantially!
No foreign transaction fee
With so much credit card jargon floating around — bonus categories, introductory rates, annual fees, transfer ratios and secondary auto coverage coverage — selecting a credit card may seem like an overwhelming task. However, if you possess good to excellent credit and are searching for an attractive rewards credit card without an annual fee then Citi Double Cash Card might be your perfect companion.
It’s one of the top credit cards for people with fair or better credit, offering an outstanding 2% cash back on all purchases – gas, groceries, or any other category of spending – plus it offers an unique round-up program which turns $2 purchases into 10 ThankYou Points – perfect for travelers! Additionally, no foreign transaction fee applies with this card!
Citi Double Cash Card’s main disadvantage lies in its lack of an initial sign-up bonus; this is unfortunate as cash back sign-up bonuses can be quite lucrative. But, this card comes with many other perks including presale event ticket access and exclusive restaurant and hotel offers.
Comparative to other flat-rate cash back credit cards, the Citi Double Cash Card features a slightly higher interest rate. Furthermore, balance transfers don’t qualify for an introductory APR of zero percent – so before beginning earning interest it is essential that your balance can be paid off before earning any more interest.
The Citi Rewards+ Card is an ideal solution for anyone seeking a cash back card without an annual fee and an attractive introductory APR on balance transfers, but may not suit those looking for ease of use and niche bonus categories or travel perks instead. There are other cards on the market; just read all fine print carefully and compare features in order to find your ideal choice! For further guidance and recommendations please check our comprehensive guide of best credit cards available now.
No minimum purchase required
Citi Rewards+ Card stands apart from traditional rewards cards by not mandating minimum purchase requirements; rather, its flexibility allows you to earn rewards on all purchases – from small items such as food or coffee purchases right up to larger purchases such as furniture and electronics. This card provides useful flexibility for people who spend frequently on everyday items that need rewards without accruing interest charges on them. Furthermore, its zero interest accrual feature helps people manage credit card debt more effectively.
The Citi Rewards+ Card lures new cardholders in with attractive upfront perks, including an initial welcome bonus and low introductory APR. However, these initial benefits tend to fade after about one or two years – though it still makes for an effective choice in certain circumstances – such as high earnings rates for gas station and online shopping spending without an annual cap; and offering 10 percent back when redeeming up to 100,000 points annually.
Citi Rewards+ Card is an effective long-term credit card solution. Its simple rewards structure and high earn rate make it ideal for everyday spending needs, plus its intro APR of 0% for 18 months on balance transfers makes this card ideal. But to maximize its potential, combine it with other Citi cards offering flexible travel or other perks for maximum value of rewards.
Citi Rewards+ Card has several major shortcomings, such as limited travel perks and purchase protections, making it less desirable than its competition in this area. By contrast, both Citi Prestige Card and Premier Card provide excellent ways to convert ThankYou Points into travel benefits, while Double Cash Card allows more flexible redemptions options than its competition.
Citi Rewards+ Card may not be suitable for people looking to make purchases exceeding a set limit, as its earning rates for popular spending categories do not offer maximum value. Furthermore, this card does not support transfer of points between accounts easily.
No minimum redemption amount
The Citi Rewards+ Card is an ideal cash back credit card, especially for anyone who often makes routine purchases such as coffee and post-workout snacks. Furthermore, its low intro APR on balance transfers may make it an appealing option for paying down high-interest debt.
Citi Rewards+ Card stands out from its competition by rewarding reward dollars in the form of ThankYou points that can be redeemed in various forms, such as statement credits or direct deposits into your bank account. There’s no minimum redemption amount and no limit to how much can be redeemed each year; furthermore, Citi provides an easy Purchase Tracker feature so your rewards can easily be tracked online card account.
To maximize the value of your Citi ThankYou points, use them at one of three Shop With Points partners – Amazon, CVS and Walmart – who accept payment with points at checkout, estimated to be worth approximately one cent each. Alternatively, travel can also be booked using Citi ThankYou portal; but this doesn’t offer as high a return.
This card does not feature bonus categories, making it ideal for purchases that do not fall into other cards’ bonuses. However, keep in mind that other cards with 3% and 2% cash back on certain spending categories may offer greater opportunities.
If you own multiple credit cards, linking them together with the Citi Rewards+ Card can help you earn higher cash back on all purchases. Furthermore, pooling ThankYou points across accounts makes managing rewards simpler.
To qualify for the Citi Rewards+ Card, a good to excellent credit score is necessary. Check your latest credit score and personal approval odds free on WalletHub to determine whether you meet these requirements. If your current score doesn’t meet them, consider opening a secured credit card first to build it before applying for this Citi Rewards+ Card.