Double the cash Citi® card - 18 months BT offer (a NextAdvisor seller) is the attempt to Citi to be a major player in the game of cash back credit card. In recent years, Citi has had great cards 0% Intro APR but was not able to compete with other major emitters when it came to the quality of their cash back product. Thus have they succeeded? Is the Double Cash Card Citi - 18 months BT offer a threat to the likes of Blue Cash Preferred from American Express, BankAmericard Cash Rewards and Capital One Quicksilver? In a word, yes.
What's so special about the Cash Card Double Citi - 18 months offer BT
Citi Cash Card Double - 18 months BT offer (call it "Double Cash ") is a MasterCard that provides a unique value proposition to the market for cash back consumer cards. It actually pays you 2% cash back on all your purchases (see below for details) without limits, a rear base cash rate that no other consumer card can not match. We say "effectively" because Double Cash puts a new wrinkle exactly how and when you earn 2% back. The top 1% is when you make the purchase. The other 1%, however, is when you pay for the purchase. For those who pay their balance in full each month, this is a fairly minor delay. You'll just have to wait about 30 days to get the second 1%. For those who have a balance, you will have to wait longer. In general, the people who will carry balances should focus on getting the lowest APR they can, so reward cards are usually not the best solution in any case. So, for people who should receive this first map, Double Cash really does not give you double cash back. (Not too technical, but if you redeem your cash back in the form of a statement credit, which reduces the 1% cash back, you can get to pay for your purchases by 1%, which means your total cash back percentage is more like 1.99%).
Double Cash also adds an introductory APR of 0% on balance transfers for 18 months, rivaling the longest balance transfer APRs intro there. Sure, you might get 3 more months of 0% Introductory APR with a card like Citi Simplicity, but you will not get any rewards. There is a 3% balance transfer fee, but this is quite a typical cost for transferring balances between cards. If you are in the market for a balance transfer card that offers great cash back, Double Cash is a very attractive choice.
Redemption is easy and flexible. Once you have accumulated $ 25 cash back, you can request a check, use it as a credit instruction or use it to buy a gift card.
Double Cash also has no annual fee and no category of rotation, making it a great hassle free card. The only thing really missing is an introductory bonus cash. While a premium would certainly be nice, generous cash back will more than compensate for the lack of premium in the long term.
If you apply for the Cash Card Double Citi - 18 months offer BT
There are a couple of things to consider before applying. First, you must have an excellent Double Cash credit is targeted to the excellent credit market and you can not get approved without it. Second, you need to consider your spending habits. If your expenses leans heavily toward groceries or gas, one of our other senior cash back cards as favorite Blue Cash from American Express might be a better fit. It offers 6% return to the store (up to $ 6k expenditures per year), 3% on gas and department stores and 1% on everything else. Third, Double Cash is not an introductory bonus, so if you want to hunt them, this card is not for you. But if you are not worried about the premium, you have more varied spending habits and probably typical or if you do not want to have to worry about percentages or cash back limits, Citi Double cash card can not to be beaten. Efficiency 2% cash (see discussion above for details) on all beats 1.5% Capital One Quicksilver back (although it is all given on purchase), in our opinion duplicate new cash hassle free, easy cash back champion of the card, at least for those who pay their balance in full each month.
Visit our Cash Card Citi Double -. 18 months BT examination of the offer to learn more and apply for the card today
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