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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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Cant agree more!! Worst bank in the country, worst customer service. Recently closed my checking savings and pulled all my funds out..
I use different cards for gas, groceries, restaurants, travel, and rental car insurance.
Only issue I've had is a couple times my auto payment was really high and I had not ensured my bank had enough funds. Not a big deal but they then lock you out of making payments to add available funds instantly. I have to wait 2 weeks for payments to clear for a couple months.
I use different cards for gas, groceries, restaurants, travel, and rental car insurance.
Only issue I've had is a couple times my auto payment was really high and I had not ensured my bank had enough funds. Not a big deal but they then lock you out of making payments to add available funds instantly. I have to wait 2 weeks for payments to clear for a couple months.
$2k-$3k a year in rewards ain't too shabby considering you don't have to put forth much effort.
I use different cards for gas, groceries, restaurants, travel, and rental car insurance.
Only issue I've had is a couple times my auto payment was really high and I had not ensured my bank had enough funds. Not a big deal but they then lock you out of making payments to add available funds instantly. I have to wait 2 weeks for payments to clear for a couple months.
If you're doing that kind of spend you ought to have enough $ to qualify for BoA Plat Honors status, which would get you 2.625% back instead of 2% on all your non-category spend.
(or if you're someone who travels, getting 1.5x UR or 2x MR would also offer significantly more value than 2% cash as well)
(or if you're someone who travels, getting 1.5x UR or 2x MR would also offer significantly more value than 2% cash as well)
Right now I use the PayPal Master Card 2% cash back (just like this one) but you get 3% cash back when you make purchases through Paypal.
You like to walk away from a lot of money for putting in minimal effort.
5% Cash back from Chase... we use this for groceries
Which Chase credit card still gives 5% on groceries? I'm not finding any...
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Freedom does at least 1 quarter per year ($1500 spend cap)- as does Discover and Citi Dividend- so that gets you 5% (or even better 5x UR) 3/4ths of the year if you have those cards.
And if you don't mind floating grocery gift cards you can cover the other quarter (esp if you have more than 1 freedom available to you).
Alternatively, the Citi custom cash can get you 5% on groceries year-round.
My wife has one and I have one. One is ONLY for groceries and the other is ONLY for gas. Then I got my Chase Freedom and Discover IT for their categories... 5%. And finally I have my PayPal Card... 2% cash back and 3% cash back if pay through Paypal. And I have a hotel card and a airline card.
My wife has one and I have one. One is ONLY for groceries...
Or is it like the Citi Custom Cash℠ Card where your top spend category would activate it for that category each quarter (like only groceries each quarter).?
I'm just trying to find if anything is better than Amex Blue Cash Preferred for 6% groceries until $6k = $360 1st year (2nd year is $95 annual fee = $265 reward) cash back per year on groceries. It basically comes out to about 4.5% cash back on groceries. But it's $6k max. For your card if it's only Jan-Mar, can't spend $6k in groceries in 3 months.
Or is it like the Citi Custom Cash℠ Card where your top spend category would activate it for that category each quarter (like only groceries each quarter).?
I'm just trying to find if anything is better than Amex Blue Cash Preferred for 6% groceries until $6k = $360 1st year (2nd year is $95 annual fee = $265 reward) cash back per year on groceries. It basically comes out to about 4.5% cash back on groceries. But it's $6k max. For your card if it's only Jan-Mar, can't spend $6k in groceries in 3 months.
Or is it like the Citi Custom Cash℠ Card where your top spend category would activate it for that category each quarter (like only groceries each quarter).?
I'm just trying to find if anything is better than Amex Blue Cash Preferred for 6% groceries until $6k = $360 1st year (2nd year is $95 annual fee = $265 reward) cash back per year on groceries. It basically comes out to about 4.5% cash back on groceries. But it's $6k max. For your card if it's only Jan-Mar, can't spend $6k in groceries in 3 months.
Citi custom cash would get you 5% all year on groceries rather than the 4.5% you end up with on the amex after the fee- that'd be simplest.
Freedom and Discover would get you 5%/5x UR at least 3/4 of the year (assuming you shop anywhere that takes mobile wallets like applepay or the android equivalents)- if you had a Citi Dividend that'd potentially cover the other 1/4 of the year though they're not issued to new customers anymore.
The Venture X is an absolute no brainer for exactly the reason you said. On top of that, you can transfer those points to many valuable partners, which means it could earn even more such as 10%+ back depending on the redemption value.
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