The Citi Double Cash card is an excellent fit for shoppers who want to make money back on all of their shopping expenses without having to worry about income caps or bonus incentives. The card's 2% cash back rate will definitely add up to some good money back, but there is a catch: Cash is divided–1% if you pay a bill and another 1% if you make a regular purchase.
If you are looking for a credit card with rewards that will pay you well, the Citi card offers a lot of flexibility for people looking for a cash card. They have no minimum purchase requirement, making it easy to set up your spending patterns. They also offer a 0% balance transfer offer for a period of time after the introductory period ends.
The Double Cash card has two primary features that make it so attractive. First is their cash back reward program, which rewards consumers with points every time they make a transaction using the card. These points are worth a certain percentage of your purchases, ranging anywhere from one percent to ten percent depending on your account balances and the type of card you have. These points can be used toward purchasing airline tickets, hotel stays, and everything else the card offers.
The second feature of the card is there no annual fee credit card. Unlike the more common interest free introductory cards, this card does not charge any annual fees until your introductory period is over.
The card itself is fairly simple. You must apply by calling their toll free number, filling out a short online form, and then wait for them to approve or deny your application. The approval process takes just minutes, and after you receive your card in the mail, you can use it anywhere MasterCard is accepted, including gas stations, malls, and restaurants.
Even with a clean and decent credit history, the Citi card can still provide a great amount of cash rewards. It offers cash backs up to 25%, with a limit of $1000 per month for a maximum of $2500 per year.
There are a number of different cards offered, each having its own set of benefits. While most offer airline miles, there are also credit card options that provide cash back on other types of purchases as well as points to purchase merchandise. The best thing about the card is that it allows consumers to build their own rewards system, which can be combined with points earned from air travel and shopping at retail stores.
The only draw back to the card is the annual fee; this can be quite high, and it is non-refundable, meaning you will not get your money back if you choose to cancel your account before the end of your introductory period. In addition, the credit limit may not be enough to cover all your everyday expenses, especially if you make multiple credit card transactions each month. Since most consumers use the card for a variety of different purchases, this can cause serious problems if you do not carefully consider the amount of money you are spending on your account each month.
So if you want to get a card with rewards and earn extra cash back while using your card, the Citi double cash card is definitely worth checking out. You will not only get a card with rewards, but a card with a no annual fee structure that gives you flexibility to build your own spending plan.