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Citi® Double Cash Card: Earn 2% on Every Purchase and 0% Intro APR on Balance Transfers for 18 Months
Citi® is offering 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases and 0% intro APR on Balance Transfers for 18 months with the Citi® Double Cash Card.
Card Details:
• Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
• To earn cash back, pay at least the minimum due on time.
• Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.99% - 28.99%, based on your creditworthiness.
• Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
• If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Rates & Fees
Read our review on the Citi® Double Cash Card
Slickdeals may be compensated by Citi
Card Details:
• Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
• To earn cash back, pay at least the minimum due on time.
• Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.99% - 28.99%, based on your creditworthiness.
• Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
• If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Rates & Fees
Read our review on the Citi® Double Cash Card
Slickdeals may be compensated by Citi
Created 11-15-2022
at 09:34 AM
by EfficientGame645
in
Credit Cards
(2)
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195 Comments
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TY points are better than cash.
You can still get cash for them 1:1, but you can ALSO use them in other ways for higher value (like transfers to airline partners)
Switching to WF was effectively a downgrade. (apart from the fact you're now dealing with a bank repeatedly fined for defrauding customers I mean)
I was mostly vexed they wouldn't let me keep the CB card... like you still offer it why can't I just keep my simple 2% card vs this forced upgrade? Couldn't get them to answer that or change it so jumped ship. When WF inevitably screws something up I'll change again. The circle of credit cards continues.
All big banks suck, trying to figure about which ones sucks more seems sort of pointless from my POV. Use a local credit union if you don't want to support big banks.
I was mostly vexed they wouldn't let me keep the CB card... like you still offer it why can't I just keep my simple 2% card vs this forced upgrade? Couldn't get them to answer that or change it so jumped ship. When WF inevitably screws something up I'll change again. The circle of credit cards continues.
All big banks suck, trying to figure about which ones sucks more seems sort of pointless from my POV. Use a local credit union if you don't want to support big banks.
But...the points still get you 2% just like the old card if you ignore their potential for use with partners.
If you ignore the game entirely you STILL are getting the same 2% cash you were before.
PLUS you have an extra option if you wanted to use it, for more value.
It's objectively better in every possible sense.
Which is probably why they had no good answer-Your question seems to misunderstand what actually happened.
They gave you an extra, higher value, option to use the point-- but did not "take away" anything you already had before at all.
So unless I'm deeply misunderstanding you- it sounds like you stopped going to your favorite restaurant, where you always loved ordering the plain cheesecake... because they began ALSO offering a raspberry cheesecake as an option. You could still get the plain one though.
So you stopped going there and instead went to another restaurant that ONLY offers plain, but has worse service and has been repeatedly caught adding things you didn't order to the bill of other customers.
If you ignore the game entirely you STILL are getting the same 2% cash you were before.
PLUS you have an extra option if you wanted to use it, for more value.
It's objectively better in every possible sense.
Which is probably why they had no good answer-Your question seems to misunderstand what actually happened.
They gave you an extra, higher value, option to use the point-- but did not "take away" anything you already had before at all.
So unless I'm deeply misunderstanding you- it sounds like you stopped going to your favorite restaurant, where you always loved ordering the plain cheesecake... because they began ALSO offering a raspberry cheesecake as an option. You could still get the plain one though.
So you stopped going there and instead went to another restaurant that ONLY offers plain, but has worse service and has been repeatedly caught adding things you didn't order to the bill of other customers.
But again, you're not "forced" to use them in any of the new ways (some of which are objectively better, but whatever)
You could still get redeem them for straight 2% cash, just like before.
https://www.nerdwallet.
It allowed the same redemption option (at the same value) as before-- and ADDED multiple other redemption options. Some of which were even higher value (either gift cards during sales- or transfers to partners).
The WF card is thus objectively a downgrade--- since you give up those options--and gain... nothing you didn't already have... plus you wasted a hard pull and a 5/24 slot.
You could still get redeem them for straight 2% cash, just like before.
https://www.nerdwallet.com/articl...redemption [nerdwallet.com]
So again- your card got objectively better
It allowed the same redemption option (at the same value) as before-- and ADDED multiple other redemption options. Some of which were even higher value (either gift cards during sales- or transfers to partners).
The WF card is thus objectively a downgrade--- since you give up those options--and gain... nothing you didn't already have... plus you wasted a hard pull and a 5/24 slot.
The credit report comment is helpful as people are often not aware of the impact picking up cards can have. For me personally I'm don't use enough cards for the 5/24 slots to matter and my credit utilization is such that a single hard pull doesn't knock me me down.
Maybe we can just agree to disagree on style and personal card utilization choices? We're probably both losing value in our lives by taking the time to write these posts.
The credit report comment is helpful as people are often not aware of the impact picking up cards can have. For me personally I'm don't use enough cards for the 5/24 slots to matter and my credit utilization is such that a single hard pull doesn't knock me me down.
Maybe we can just agree to disagree on style and personal card utilization choices? We're probably both losing value in our lives by taking the time to write these posts.
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Got a message saying that my card is unusable until I call fraud department. I called and then a staff told me I''ll have to wait for a physical mail from them. I told her I have multiple auto-pay set up on this card (utilities, insurance, etc), is there really no way to just ask me personal info to verify that it's really me. No luck. Asked to talk to supervisor, she said none is avialable now but will call me later when there's one.
I have multiple credit cards for more than 2 decades now. Never ran into such an extreme precaution from fraud department on a false alarm. False alarm is super rare and even when it happens usualy all they do is call me and ask if I'm really the one who made the purchaes and that's it.
The idea is to max the card out with purchases so you don't pay the 3% transfer fee. Then take the money you would have used to pay the card and put it on a 5% CD, or 4.5% savings account. Your money will earn that interest for say 12-14 months +2% back, essentially being able to collect 7% on spending money.
Got a message saying that my card is unusable until I call fraud department. I called and then a staff told me I''ll have to wait for a physical mail from them. I told her I have multiple auto-pay set up on this card (utilities, insurance, etc), is there really no way to just ask me personal info to verify that it's really me. No luck. Asked to talk to supervisor, she said none is avialable now but will call me later when there's one.
I have multiple credit cards for more than 2 decades now. Never ran into such an extreme precaution from fraud department on a false alarm. False alarm is super rare and even when it happens usualy all they do is call me and ask if I'm really the one who made the purchaes and that's it.
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Also 0% apr for 15 months. But hard to get from what many say. You need a prior relationship with them, that helps but still no prequalify check so it's a gamble on a hard inquiry