But if you have just the Double Cash Card, the only travel partners you can access will be Choice Privileges, JetBlue and Wyndham Rewards.Īdditional redemption options include gift cards, paying with points for online shopping at participating merchants and sharing your points with other Citi ThankYou members. Turning rewards earned with the Citi Double Cash Card into cash back is the simplest, and can be done as a statement credit, check or direct deposit (each point equals 1 cent).Ĭiti ThankYou Points are also transferable, and if you have an eligible Citi travel card, your points can be transferred to a variety of partners-including Air France/KLM Flying Blue, Singapore Airlines, JetBlue and more. ThankYou points can be redeemed in multiple ways, ranging from getting cash back to transferring your points to Citi’s travel partners. Overall, the Citi Double Cash Card’s rewards are fairly easy to earn as long as the bill is paid on time. Rewards are not earned on balance transfers, cash advances, account fees, interest or on items that are later returned. There are no bonus categories, so all purchases qualify for the same amount of earning power and with no cap on rewards, there’s no limit to the rewards that may be earned. Though not quite as straightforward as a flat 2% cash-back card, the card rewards 2% cash back on all purchases-1% when purchases are made and another 1% when they’re paid off to those who pay at least the minimum due on time. The Citi Double Cash Card offers a simple rewards system. Rewards are straightforward and easy enough to redeem via a variety of options. Other benefits with the Citi® Double Cash Card include no annual fee, no cap on earnings and a small array of extras, like $0 liability for unauthorized charges, 24/7 fraud monitoring and the now near-ubiquitous contactless and digital wallet options. There are other cards that offer balance transfer options without such a fee, but the lengthy introductory period makes the card worth exploring for balance transfers. After that, the fee will be 5% of each transfer (minimum $5). There is also an intro balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, completed within the first 4 months of account opening. After that, the standard variable APR will be 16.24% - 26.24%, based on creditworthiness. The card also offers a 0% intro APR on balance transfers for 18 months. This earning structure provides plentiful rewards all-around, as long as you make at least your minimum payments on time. The Citi® Double Cash Card earns rewards twice, with a rate of 2% cash back on all purchases-1% when purchases are made and another 1% when they’re paid off.
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