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- Citi Double Cash Card
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The Citi Double Cash credit card is currently one of the best cash back credit cards for flexible spending, and there is now a new $100 bonus offer (offer no longer available) for it.
This card fills the role as a long term, market-leading cash back rate option. You’ll earn 1% cash back on all your purchases, and then another 1% cash back once you pay off those purchases.
There’s no annual fee, so this makes a good choice for low spenders as well as those who are looking to maximize rewards with multiple cards. Competitor cash back cards with no annual fee that earn on flexible spending typically earn 1% to 1.5% (we’ll go over competitors below). *Citibank offers good bonuses for their Checking accounts also.
2% Cash Back & More With The Citi Double Cash
You’ll earn 1% cash back on all your purchases, regardless of spending category. Then, once you pay off those purchases, you’ll receive another 1% cash back. If you carry a balance, that extra 1% won’t come right away so it’s a good incentive for responsible credit card usage. Plus, there is no cap on the amount of cash back you’ll receive at the maximum 2% rate. Be sure to pay at least the minimum due to earn the additional 1% cash back if you’re not paying off the balance in full each month.
What Doesn’t Earn Cash Back
It makes total sense but it’s worth mentioning that you won’t earn cash back on balance transfers, cash advances, account fees, interest, or returned items. As you make qualifying purchases, the Purchase Tracker will keep a running tab on what will earn you cash back.
What Are The Cash Back Redemption Options?
- Checks mailed to you
- Statement credits
- Gift cards
This is a cash back card so there is no rewards conversion necessary. The 1-2% that you earn is the value you can redeem for.
Citi’s Price Rewind
This is where you can register the purchases you’ve made with the Double Cash card online and get money back. Citibank will search for these items online at different retailers and will refund the difference if they find a lower price for it within 60 days of purchase. You can be refunded up to $300 per item, up to a maximum of $1,200 in refunds annually.
Late Fee Forgiveness
The first time you forget to pay your monthly credit card bill, Citi will waive the late fee. It should be noted that most credit card issuers will do this for you if you give them a call anyway.
Who’s This Card Good For?
- Users that don’t want to keep up with rotating categories and rewards limits on categories.
- Users that want to maximize rewards by using this card as a supplement to another card that earns higher cash back in spending categories.
Who’s This Card Bad For?
- Users looking for quicker short-term value with a sign-up bonus.
- Users wanting the option to redeem for flights, hotels, and other travel.
- Users who need a card to travel abroad. The Citi Double Cash will incur a 3% foreign transaction fee, so you’ll definitely need another option.
- Users who tend to spend a lot on certain categories that other cards give a higher rate towards, such as Travel, Dining, etc.
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What’s The Competition?
- Chase Freedom®: This card has been an old favorite for its 5% cash back quarterly rotating categories. For users that want to maximize cash back, it’s a good option to pair with the Citi Double Cash card. Outside of the 5% categories, your purchases will only earn 1%. Of course, the $150 sign-up bonus is what seals the deal with this card.
- Capital One® Quicksilver® Cash Rewards: This is another great option that earns 1.5% cash back on every purchase, with no limit. It also comes with a $100 cash bonus and is a solid alternative to the Citi Double Cash.
- Barclays Arrival® Premier World Elite Mastercard®: If you’re high spender looking for a straightforward long-term option, this card let’s cardholders earn up to $250 worth of bonus miles every year, rather than just a single initial sign-up bonus. You’ll earn an ongoing rate of 2 miles per $1 spent on all purchases regardless of category, or 2% back when redeemed for travel. The Barclaycard Arrival® Plus World Elite Mastercard® also earns unlimited 2 miles per $1 as well and comes with a great sign-up bonus.
Chase Freedom®
| The Chase Freedom® credit card is going to earn you a $150 bonus after you spend $500 on purchases in the first 3 months from account opening. You can also earn another $25 bonus when you add your first authorized user and make your first purchase within this same 3 month period. People like this card because it earns 5% cash back on up to $1,500 in combined purchases in bonus categories that change every quarter. The downside is you have to keep up with the quarterly categories, and activate the category each quarter before you can earn the 5%. You'll earn 1% cash back on all other purchases.There's also a 0% intro APR for 15 months from account opening on both Purchases and Balance Transfers. After the intro period, a variable APR will take over. The Balance transfer fee is 5% of the amount transferred with a minimum of $5. Many people have this as a supplemental card to use specifically on the 5% category spending, and use other other cards when it's more beneficial. The categories change each quarter, but historically they have included things like gas stations, grocery stores, and holiday shopping. There's no annual fee to be concerned with, so it fits well with such a strategy. Full Review |
Capital One® Quicksilver® Cash Rewards
| The Capital One® Quicksilver® Rewards card will earn a $150 bonus when you spend $500 on purchases within the first 3 months.The bonus offer is comparable to its top competitors, but this card earns a respectable 1.5% cash back on every purchase with no limit on how much you can earn. There are no spending categories to keep up with. There's a 0% introductory APR on both Purchases and Balance Transfers for the first 15 months with this card; variable APR after that. The Balance Transfer fee is 3% on the amounts transferred within the first 15 months. People like this card because of the cash back rate, the flexibility to redeem your cash back for any amount, and there's no annual fee. Full Review |
Barclays Arrival® Premier World Elite Mastercard® / Barclaycard Arrival® Plus World Elite Mastercard®
 The Barclays Arrival® Premier World Elite Mastercard® doesn't have an initial sign-up bonus offer. This card is targeted to high spenders that plan on carrying a good travel card for the long term. Instead of a bonus available upon account opening, cardholders are able to earn 25,000 loyalty bonus miles each and every year that they spend at least $25,000 in purchases. These 25,000 bonus miles are worth $250 in travel credits.The card also earns unlimited miles at the rate of 2 miles per $1 spent on all purchases regardless of category. With the miles earning rate taken into account, spending $25,000 a year will net you 75,000 miles worth $750 in travel credits, and you'll be able to earn that amount yearly.As expected with any good travel card, there are no foreign transaction fees to be concerned with and you'll get the higher worldwide acceptance of a Mastercard, which is nearly equivalent to that of Visa and much better than Discover or American Express. If you're not a high spender who travels often, this likely will not be a suitable card option for your needs. Full Review The previously discontinued Barclaycard Arrival® Plus World Elite Mastercard® is now available again, and with a 60,000 bonus miles offer. If you're not a high spender or if you'd prefer a big initial sign-up bonus, this is a great alternative to the Barclays Arrival® Premier World Elite Mastercard® above. The 60k bonus miles will be worth $600 when you redeem towards travel. If you take into account the 5% miles back every time you redeem perk, the 60k miles would then have a $630 value.This card also earns unlimited miles at the rate of 2 miles per $1 spent on all purchases regardless of category, and doesn't have foreign transaction fees on international purchases either. Full Review |
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