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Citi double cash card the best?

393 43 November 12, 2017 at 08:48 PM
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I know best is highly subjective.

I'm the average joe, spending around $1200 a month in credit cards. Pay everything off at the end and never carry a balance.

This is my card usages mainly

-Penfed rewards - 5% cashback on fuel only. ($200)
-Bank of America rewards 3/2/1 - this is my main go to for everyday stuff for 1% ($1000), i -also get 10% bonus cashout on rewards because i have a checking account. So its really 1.10%
-AMEX blue - stuff i use that i want extended warranty on (laptop/tv)

I can see switching up to Citi double cash i could stand to make 2% on everything, Thats $10 a month. This kinda had me wondering if there is any better card out there for daily usage?

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#2
Citi double cash would be better for your scenario.

If you are eligible also check out
USAA Limitless (2.5% no annual fee)
Alliant Cashback signature card (59$ annual fee waived first year, 3% first year, 2.5% from second year on; you could downgrade after 1 year)
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#3
I only use cash back cards.
I use Amex Blue for groceries ($6k/year).
I use Penfed for gas and groceries (after hitting the Amex yearly limit).
I have an Amazon store card, Target store card, and Lowes store card that each give me 5% discount/reward at the store, so I use those as well.
I use Citi double cash for everything else.
Everything is configured to autopay in full each month.
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#4
another benefit of doublecash is the additional 2 years of warranty tacked onto all purchases (same with all citi cards). doublecash is my default card, with costco visa for fuel (4%) and restaurants (3%), target red for target (5%), and amex blue cash every day for groceries (3%).
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#5
It's really tough to make calls like these because we all value things differently. For example, I also use PFCU card for gas @ 5% but it gives you points - which can be 1:1 cash (e.g. 1 pt = 1 cent) depending on what you do with them, but it's still not cash. Same goes with Citi cards and AE. You *can* monetize some of these directly; e.g. Citi TYP are often bought at about 1.3:1 (e.g. 1.3 cents per point) but non-one, AFAIK, is buying PFCU points.

That said, my main cards are Discover - they are the oldest cards I have (meaning it behooves me to keep them), and they have rotating categories as well as a clickthrough center. I only keep AE cards around for their Offers promos, and I have 2 hotel cards (for the benefits) and 1 airline card (also for benefits) - even though all 3 of these cards carry annual fees (benefits >> fees).

If you're willing to have many more cards so you can maximize your savings, more power to you, but for me the added hassle of more logins, due dates and physical cards (in addition to credit score impact) just isn't worth it.
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#6
Quote from tresh
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another benefit of doublecash is the additional 2 years of warranty tacked onto all purchases (same with all citi cards). doublecash is my default card, with costco visa for fuel (4%) and restaurants (3%), target red for target (5%), and amex blue cash every day for groceries (3%).
I use the Amex blue card with yearly fee to get 6% for groceries because I always hit the limit a few months before the end of the year (family of 5).
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#7
Quote from version_king
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Citi double cash would be better for your scenario.

If you are eligible also check out
USAA Limitless (2.5% no annual fee)
Alliant Cashback signature card (59$ annual fee waived first year, 3% first year, 2.5% from second year on; you could downgrade after 1 year)
If you happen to live in California, Hawaii, Nevada, Oregon, or Washington then you might also consider the Marukai Premium JCB Card for earning about 3% cash back on all spending where Discover/JCB is accepted.

You might also try plugging your categorical monthly spending into the reward calculator at http://www.creditcardtuneup.com/ to see which card combinations it comes up with for your particular expenses. And you can tell it to exclude cards you know you don't want.
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#8
Quote from ogp
:
I only use cash back cards.
I use Amex Blue for groceries ($6k/year).
I use Penfed for gas and groceries (after hitting the Amex yearly limit).
I have an Amazon store card, Target store card, and Lowes store card that each give me 5% discount/reward at the store, so I use those as well.
I use Citi double cash for everything else.
Everything is configured to autopay in full each month.
What auto pay mechanism do you use? Does it auto withdrawal from your checking? Or alternatively do you use bill pay in your checking to autopay the balance?
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#9
Quote from talonesi
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What auto pay mechanism do you use? Does it auto withdrawal from your checking? Or alternatively do you use bill pay in your checking to autopay the balance?
I just logged into the site of each card and configured autopay balance with my checking account. I don't actually do any "push" bill pay from my checking account. Everything is "pulled" from my account by the vendor.
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#10
Quote from joelmeu
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If you happen to live in California, Hawaii, Nevada, Oregon, or Washington then you might also consider the Marukai Premium JCB Card for earning about 3% cash back on all spending where Discover/JCB is accepted.

You might also try plugging your categorical monthly spending into the reward calculator at http://www.creditcardtuneup.com/ to see which card combinations it comes up with for your particular expenses. And you can tell it to exclude cards you know you don't want.
I dont live anywhere in those fine states, i live in junky mid-western IL.

I've used creditcardtuneup before and i think they are just ad/sponsor based. Similiar to creditkarma, they suggest cards but only cards that pay the site. The better cards dont need to push their product.

I still have my Freedom card for the random 5% quarterly ones.


Anyone know if citi has any promos? Expired or not so i can aleast see what was out there and wait.
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#11
Sams Club Mastercard pays 5% back on gas and 3% on dining and travel.
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#12
For me, credit card is all about signing up bonus

I just got Amex platinum and got 125000 Mr

Which is a lot more worth than $1250 think how much u gotta spend via citi double card for that $61250 bucks u have to spend some years to spend this much

There are many cards offer mileage with sign up bonus and this makes me not to make citi double card
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#13
By 180000 Mr you can buy first class airplane ticket to go Korea (I'm Korean) and if you wanna ay for that ticket? Forget about it haha it will cost $18,000 bucks
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#14
A 2% card is a good shot for most people. There are other 2% cards out there. Freedom Unlimited 1.5% is nice too.
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#15
I just posted about the Bank of America Premium Rewards card, which may be of interest to some people.

It tops out at 3.5% travel and dining, 2.625% on everything else. There are some requirements to make this top level of cashback so see the other thread on that or check the following link

https://thepointsguy.com/2017/09/...m-rewards/
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