Citi® Double Cash Card: Earn 2% on Every Purchase and 0% Intro APR on Balance Transfers for 18 Months
+37Deal Score
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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).
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Deal Score+37
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I have it and I don't use it much. For % reward, I prefer my other cards that have the 5% cash reward depending on the cycle and use my bank of america that has 3% on all online purchases for anything else. This CITI card is a world elite card but it only offers purchase protection and extended warranty. I prefer Amex or my chase freedom flex card for my this. This card does not offer cell phone protection, trip cancellation, trip interruption, secondary car rental insurance andthere is no welcome offer.
Take the Chase freedom flex world elite card, much better with also a welcome offer.
I had this card with a great limit. All of a sudden they lowered my limit by almost half for no reason. Never late payment. Nothing. Called and got not real reason as to why. Dropped my credit score because of this. I locked it and will only use it on rare occasions. Eff Citi
I had this card with a great limit. All of a sudden they lowered my limit by almost half for no reason. Never late payment. Nothing. Called and got not real reason as to why. Dropped my credit score because of this. I locked it and will only use it on rare occasions. Eff Citi
Sometimes they do that to cut their risk I think. Credit card defaults are rising and loan losses are mounting.
What are the odds of getting approved with 712 credit score acc to credit karma and already having 8 credit cards including citi rewards+ card and with overall less than 30% credit utilization?
What are the odds of getting approved with 712 credit score acc to credit karma and already having 8 credit cards including citi rewards+ card and with overall less than 30% credit utilization?
Be very careful of credit karma. They use vantagescore 3.0. But lenders use other algorithms
such as FICO, making their score not very useful - actually misleading. I had this experience whilst shopping for mortgage. The APR they said I'll get was different by like. 75 percent from what lenders were offering on the basis of a soft pull.
I provided this feedback to ck but just crickets in return. That was a year back.
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Take the Chase freedom flex world elite card, much better with also a welcome offer.
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Be very careful of credit karma. They use vantagescore 3.0. But lenders use other algorithms
such as FICO, making their score not very useful - actually misleading. I had this experience whilst shopping for mortgage. The APR they said I'll get was different by like. 75 percent from what lenders were offering on the basis of a soft pull.
I provided this feedback to ck but just crickets in return. That was a year back.
That would not be a reason you get denied… you probably have too high utilization across those cards.
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