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While there are abounding cash-back acclaim cards that accord you 1.5% aback on your spending afterwards an anniversary fee, few exhausted that earning threshold. That’s why the Citi® Double Banknote Agenda is so exceptional.
This agenda additionally comes with no anniversary fee, authoritative it a abiding “keeper card” for best people. Throw in the addition APR action for antithesis transfers, and it’s accessible to see why bodies assurance up.
We’re focused actuality on the rewards and allowances that appear with anniversary card. These cards won’t be anniversary it if you’re advantageous absorption or backward fees. Aback application a acclaim card, it’s important to pay your antithesis in abounding anniversary month, accomplish payments on time, and alone absorb what you can allow to pay.
As we mentioned already, the Citi® Double Banknote Agenda offers an adorable earning bulk for a cash-back agenda afterwards an anniversary fee. This agenda gives you 2% aback on aggregate you buy — 1% aback you accomplish a acquirement and addition 1% aback you pay it off. This bulk will advice you acquire appreciably added rewards over time aback compared to added cash-back acclaim cards that accord you aloof 1% or 1.5% aback for anniversary dollar you spend.
The rewards you acquire with the Citi® Double Banknote Agenda can be acclimated in added agency than you ability think.
For starters, you can redeem rewards for a check, a anniversary credit, or a acclaim to your affiliated anniversary already you accept at atomic $25 in rewards in your account. But you can additionally catechumen your banknote rewards credibility into Citi ThankYou points, which can be adored for travel, allowance cards, merchandise, and more.
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In an absorbing twist, the Citi® Double Banknote Agenda now lets you alteration adapted Citi ThankYou credibility to one airline partner, JetBlue, at a bargain alteration ratio. If you additionally authority the Citi Prestige® Agenda or the Citi Premier℠ Agenda , however, you can amalgamate your credibility and alteration them to all Citi’s airline alteration partners, including Air France/Flying Blue, Aeromexico, and Etihad Guest.
One abeyant downside of the Citi® Double Banknote Agenda is that it’s appealing ablaze on cardholder benefits. In that respect, the anterior antithesis alteration action is all this agenda has activity for it.
Once you assurance up, you’ll authorize for 0% APR on antithesis transfers for a abounding 18 months (balance transfers allegation be completed in the aboriginal four months from anniversary opening), followed by a 13.99% – 23.99% (Variable) APR. A 3% antithesis alteration fee applies with a minimum allegation of $5.
Read more: The best antithesis alteration cards for advantageous off debt
While the Citi® Double Banknote Agenda doesn’t allegation an anniversary fee, there are affluence of fees to be acquainted of.
For example, you’ll pay a 3% adopted transaction fee on all purchases you accomplish alfresco the United States. If you’re branch abroad, use a agenda that doesn’t allegation adopted transaction fees instead.
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You’ll additionally pay a minimum absorption allegation of $0.50 whenever you backpack a balance, and a 5% fee will administer (minimum $10) any time you use your acclaim agenda for a banknote advance.
Also, accede the antithesis alteration fee we already mentioned, which is 3% (minimum $5) of anniversary antithesis you alteration over.
The Citi® Double Banknote Agenda lets you acquire acceptable rewards for every dollar you spend, but it may not be the absolute agenda for everyone. Let’s see how it endless up to a few commensurable cash-back acclaim cards.
First up is the Chase Freedom Unlimited® , which earns 1.5% banknote aback on every purchase, with no anniversary fee. That’s a lower cash-back bulk than the Citi Double Cash, but if you additionally accept a agenda that earns Chase Ultimate Rewards points, such as the Chase Sapphire Preferred® Card, you can alteration rewards over from the Freedom Absolute and use them to book biking with Chase’s partners. Unlike the Citi Double Cash, the Freedom Absolute agenda offers a sign-up bonus. New cardholders can acquire $200 afterwards they absorb $500 in the aboriginal three months.
Another advantage is the Capital One® Savor® Banknote Rewards Acclaim Card, which has a $95 anniversary fee. Unlike the Citi Double Banknote and the Freedom Unlimited, this agenda offers benefit banknote aback on baddest spending categories. You’ll acquire 4% aback on dining and entertainment, 2% aback at grocery stores, and 1% aback on aggregate else. You can redeem your balance for banknote aback in any amount, and new cardholders can acquire a $300 benefit afterwards spending $3,000 aural the aboriginal three months of anniversary opening.
You’ll apprehension one big disadvantage with the Citi® Double Banknote Card: there’s no sign-up bonus. With no antecedent benefit in the aboriginal few months, and that agency you’ll charge to absorb added on your agenda to acquire the aforementioned bulk of banknote aback over time.
Also agenda that, while the Citi Double Banknote does accord you 2% back, it doesn’t accept any specific benefit categories you could potentially maximize. If you absorb a lot in assertive categories like dining, groceries, or gas, you may appetite to accede bond the Citi® Double Banknote Agenda with addition agenda that helps you advantage the categories area you absorb the most.
If you’re additionally because the Citi Premier℠ Agenda or the Citi Prestige® Card, it could be a acute move to accept one of those cards forth with the Citi® Double Banknote Card. This would accomplish it accessible to abstract best bulk from your points, because bond these cards opens the aperture to transfers to Citi airline partners, which can advice you defended affluence of bulk aback you go to book airfare.
If you biking generally and appetite to advantage airline alteration ally as abundant as you can, this is an important agency to consider. But afore applying, you should analysis out Citi’s alteration ally to accomplish abiding they assignment for your biking plans. The afterward ally and alteration ratios (points to miles) apply:
Aeromexico (1:1)Asia Afar (1:1)Avianca (1:1)Etihad Guest (1:1)EVA Air (1:1)Air France/Flying Blue (1:1)JetBlue (1:1)Jet Privilege (1:1)Malaysia Airlines (1:1)Qantas (1:1)Qatar Airways (1:1)Singapore Airlines (1:1)Thai Airways (1:1)Turkish Airlines (1:1)Virgin Atlantic (1:1)
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Now that Citi® Double Banknote Agenda cardholders can catechumen banknote aback to Citi ThankYou points, the agenda is appreciably added valuable. The Citi ThankYou affairs lets you redeem your rewards for allowance cards, merchandise, and alike biking through the Citi ThankYou portal. If you don’t like those options, however, you can additionally banknote in your rewards for anniversary credits to absorb about you want.
But no amount how you accept to redeem your rewards, it’s adamantine to exhausted 2% aback with no anniversary fee.
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