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DOUBLE CASH FOREIGN TRANSACTION FEE FULL
DOUBLE CASH FOREIGN TRANSACTION FEE PLUS

Here are some points you should consider: Citi Double Cash will give you a pass and not charge a late fee for the first late payment. Most of us are guilty of forgetting to pay a bill from time to time.

No late fee for paying late, once: This is a small little perk that could come in handy.

You can get your cash back in the form of a check, a credit on your balance, or as a gift card from a list of retailers that have partnered with Citi.

Flexible rewards redemption: After you reach at least $25 in rewards, you can redeem your cash back (which is a low minimum compared to some other cards).

You may want to consider a promotional credit card with 0% apr on purchases instead.Ĭompare: Citi Double Cash vs Capital One Quicksilver Cash Rewards Credit Card Paying on balance transfers also doesn't earn cash back. Keep in mind that if you transfer a balance, you will be charged interest on your purchases unless you pay off your entire balance (including balance transfers) by the due date each month. Keep in mind, there is no introductory APR on purchases. The cash back is on purchases only.Ĭhase Freedom Unlimited - Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). And if you keep a balance and pay interest, please note that you do not get 1% cash back on any interest you pay. Note: A purchase is not considered eligible if it is returned for credit. You may want to consider a credit card with no expiration on rewards instead, as it doesn't matter how much rewards you earn, if they expire.

DOUBLE CASH FOREIGN TRANSACTION FEE FULL

Even if you paid the balance in full and forgot to redeem your rewards, you'll lose that cash if you don't use the card for a year.

This can turn out to be a costly loss if you don't monitor your use of the card, especially if you made some big-ticket purchases early on that netted you a fair amount of cash back. Watch Out: if you don't make any eligible purchases or payments for 12 months, your rewards will expire. You'll see "Cash back on purchases" and "Cash back on payments" on your statement. Once you start accruing rewards, they are easy to understand (no need to decipher what points or miles equal). Double Cash offers an excellent reward rate, so if your spending is varied, this could serve well as your primary card. And there are no limits on the amount of cash back you can earn. You'll just automatically earn cash back on everything you purchase using the card. There are no seasonal rotating rewards, so you don't have to worry about keeping track of them and remembering to enroll. As you make payments, you will then receive another 1% cash back, whether you pay in full or in installments (as long as you pay at least the minimum). The Citi Double Cash gives you the opportunity to earn cash back twice.Įach time you make an eligible purchase, you'll receive 1% cash back.

Let's go over how this card works, its benefits, and its potential downsides. You need to consolidate your debt and want an introductory balance transfer APR to help you do some catching up.Your spending is varied and you want to go be rewarded the same for all purchases.You don't want to keep track of rotating categories, but you love to know you're getting double the rewards.

DOUBLE CASH FOREIGN TRANSACTION FEE PLUS

With the Citi Double Cash, you get 1% cash back on purchases plus ANOTHER 1% cash back as you make payments for those purchases, whether in full or in installments. Great rewards credit card to earn cash back twice with no annual fee Cash rewards expire after 12 months if there is no activity on the account.Introductory APR for 18 months on balance transfers.