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Citi® Double Cash Card – 18 month BT offer presents unlimited 1% cash back on all of your purchases when you buy and an additional 1% cash back as you pay for those purchases, whether you pay in full or over time. Unlike the Amex Fidelity card, you don't need to apply for an extra account to get your cash back. The Citi Double Cash has no restrictive categories and no limits on the amount of cash back that you earn. Cards that offer unlimited cash back usually don't come around often so I strongly suggest to apply ASAP.
You will also get 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be based on your creditworthiness.Some people will claim this is a 2-percent-cash-back card, but this may not be truly accurate. Let me explain: If you redeem your rewards for a statement credit, it will reduce the amount you owe by 1%, therefore the amount you can earn rewards on when you pay the rest of the bill. The math works out something to be like 1.99% cash back! Best of all, there is No Annual Fee!
Citi® Double Cash Card – 18 month BT offer Features:
- Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- Balance Transfers do not earn cash back
- 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.24% – 24.24% based on your creditworthiness
- Click ‘Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
- No categories to track, no caps on cash back, no annual fee*
Why You Should Apply:
1% Cash Back When You Buy: Earn unlimited 1% cash back when you buy. There are no rotating categories and no enrollment required.
1% Cash Back When You Pay: Earn an additional 1% cash back when you pay. It's recommended to pay monthly balances in full to get the most cash back, however, you'll still earn cash back if you choose to keep a balance.
0% Into APR on Balance Transfers for 18 Months: Save money by transferring high interest earning balances and get 0% introductory APR for 18 months. Balance transfers are not eligible for cash back and are subject to a balance transfer fee of either 3% or $5 of each transfer, whichever is greater.
No Annual Fee: One of the highlights of this card is earning unlimited cash back and not having to pay an annual fee.
Citi Price Rewind: Get refunded the price difference up to $300 per item($1,200 per calendar year) if a lower price is found. Let Citi do the work by registering the item purchased with your card and the price will be tracked for 60 days from the date you purchased your item.
Citi Private Pass: Always get the best seats with special access to pre-sale tickets and VIP packages to concerts, theater and live performance, sporting events, dining experiences, family entertainment, and even complimentary movie screenings among other exciting events.
Citi with Apple Pay: Use your iPhone, iPad, or Apple Watch to complete quick and easy payments with a simple touch at hundreds of thousands of stores.
Late Fee Pass: Get a pass on your first late fee. Set up automatic payments to prevent paying penalties and rate increases which will overtake your cash back reward earnings.
Travel Protection: Book your travel with your card and get travel protection that includes worldwide travel accident insurance and car rental insurance, trip cancellation and interruption protection. However, opt for another card when making purchases outside the U.S. since there is a 3% foreign transaction fee.
Purchase Protection: Shop without hesitation knowing your purchases are covered with damage & theft protection and extended warranty. Also get fraud protection and not be held responsible with $0 liability on unauthorized charges.
For those missing out the best all around cash back card, sign up now for the Citi® Double Cash Card – 18 month BT offer with no annual fee. This will be your go to card whenever you are not sure about special categories or for simplicity with keeping just one card in your wallet! See our full list of Cash Back Credit Cards for all comparison!
Disclaimer: These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.