Chase Freedom Unlimited vs Citi Double Cash Card NextAdvisor with TIME

But if you’re an advanced credit card user, the cash back you earn with the Double Cash comes in the form of Citi ThankYou Rewards travel points, with $1 in cash back equal to 100 ThankYou points. If those options don’t sound appealing to you and you’d rather just start getting cash back in your pocket every month without thinking too much about it, you’ve probably landed on the perfect card. And you’ve also landed on the perfect time to get it, because for a limited time, you can get it with a sign-up bonus for the first time ever. Let’s take a look at why we think the Citi Double Cash is a great choice for people who want the “set it and forget it” option of the credit card world.

You may use the credit card to make purchases even if you do not have the amount in the bank, and repay it within a specified period of time, after which you will have to pay interest on the amount. Like the Chase Freedom Flex℠, the Citi® Double Cash Card is Mastercard and so won’t work within Costco stores. However, you might consider using it as your go-to card for purchases that don’t fall under the Costco Anywhere Visa® Card by Citi’s categories. Since neither card comes with an annual fee, you always have the option of signing up for both cards and using the card that offers a better rate on a particular purchase. Citi ThankYou Transfer Partners and RatiosThis is the only no annual fee credit card out there to offer an uncapped return of 2x transferable points per dollar spent.

Does that make the Citi Double Cash the most valuable credit card on the market? There is an introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for balances transfers completed within 4 months of account opening. Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Perfect payments and responsible use after over a year with them no rewards or increases. I had dozens of way better offers with better aprs and spending limits that were triple what Citi gave me plus cash back rewards.

Similarly, if there are any discrepancies like your date of birth is different from what is on your application then it is grounds for rejection of credit card. It is best to rectify any such discrepancies well in advance to avoid your Citibank credit card being rejected. At NextAdvisor we’re firm believers in transparency and editorial independence.

So for the next 5 months, I questioned them on why they denied my dispute. Each time I called they said they would investigate and get back to me. Finally in August, I spoke to a supervisor and she told me that the fraudulent charge was our fault because somehow we had allowed our information to be compromised. My wife and I are both very knowledgeable regarding credit card fraud and we are very careful with our information. Once again the supervisor said she would investigate and get back to me within 3 weeks. Citi Bank just lost this customer who consistently year after year made around $40K in charges.

A credit card from Citibank comes with a lot of benefits for the card holder. A credit card is a form of unsecured loan which is generally the first thing a person new to the workforce will get. Credit cards are a source of funds when you need it urgently without the hassle of approval. Find the best credit card for you by reviewing offers in ourcredit card marketplaceor get personalized offers viaCardMatch™. If you also have an eligible Citi travel card, such as the Citi Premier® Card or the Citi Prestige® Card, you can convert all the cash back you earn to Citi ThankYou points. You can then use those points for travel redemptions, including transfers to Citi’s many travel partners.

You can either use it as a statement credit to offset any purchases you make with the card, have it deposited into a bank account or have Citi send you a check for it. Additionally, to earn cash back, you must pay the minimum due on time. There are also better credit cards if you’re looking for luxurious travel perks like a free trip around the world in first class. But to pull that off, you’ll either need to do a lot of homework to understand how flexible travel points work, pay a high annual fee for a credit card or both.

You can also convert your rewards to Citi ThankYou points once you have a rewards balance of at least $1, and redeem them for cash back, gift cards or even payments to a student loan or a mortgage. But it’s important to understand how the rewards mahomes capital reviews are earned. Cardholders receive 1% back for purchases and another 1% back when those purchases are paid off. We like that this structure gives cardholders a reason to pay off balances fast and before the due date to avoid interest charges.

However, you could be charged a foreign transaction fee for each purchase you make abroad or from a foreign merchant, depending on your card. Feel free to send us an email, find us on Facebook, or Tweet us @Bankrate. You can use multiple Citi credit cards to maximize your ThankYou Points earning potential. At Bankrate we strive to help you make smarter financial decisions.

Please email us from your registered email ID in order to apply for a credit limit enhancement. Attached any of the self-attested documents mentioned below, and send your email to Note – Citi India currently does not offer a credit card for Non-Resident Indians. A proportion of your credit limit may be withdrawn as cash, which is known as your ‘cash limit’. These cash withdrawals are also subject to interest charges and a cash withdrawal fee. Live life king-size, as you get rewarded for shopping, watching movies, or even just paying your bills using a Citi Credit Card.