Rewards: The Citi Double Cash Card offer – 18 months BT offers 1% cash back on purchases and 1% cash back when you pay for your purchases. The Chase Freedom Unlimited Card earns 5% cash back on travel purchased through Chase Ultimate Rewards, 3% cash back on restaurant and drugstore purchases, and 1.5% cash back on all other purchases.
Sign-up bonus: The Citi Double Cash Card – 18 months BT offer has no sign-up bonus. Chase Freedom Unlimited cardholders earn a 1.5% bonus on everything you buy (up to $20,000 spent in the first year) – worth up to $300 in cash back!.
Benefits: The Citi Double Cash Card offer – 18 months BT provides benefits such as exclusive access to entertainment ticket purchases, identity theft assistance and fraud protection, 24 hour customer service /24/7, lost wallet service, digital wallet and contactless payment, and zero dollar liability on unauthorized charges. Chase Freedom Unlimited cardholders enjoy a variety of consumer benefits, including zero liability protection, purchase protection, and extended warranty protection.
Annual Fee: Neither card has an annual fee.
Rewards: The Citi Double Cash Card Offer – 18 Months BT gives you 1% cashback on every purchase and an additional 1% when you redeem it. Chase Freedom Flex rewards cardholders with 5% cash back on purchases in select bonus categories you activate quarterly, grocery store purchases, and travel purchased through Chase Ultimate Rewards; 3% discount on restaurant and pharmacy purchases; and 1% cashback on all other qualifying purchases.
Sign-up bonus: The Citi Double Cash Card – 18 months BT offer does not offer a sign-up bonus. The Chase Freedom Flex offers a $200 cash bonus after spending $500 on purchases within the first 3 months of account opening.
Benefits: With the Citi Double Cash Card – BT 18 month offer you get exclusive access to entertainment ticket purchases, identity theft assistance and fraud protection, 24 hour customer service /24/7, lost wallet service, digital wallet and contactless payment, and concierge service. With the Chase Freedom Flex you get purchase protection, cell phone protection if you pay your phone bill with the card, three free months of DashPass to use with DoorDash food delivery apps and Caviar, travel and emergency assistance and trip cancellation or interruption insurance. .
How to Earn Rewards with the Citi Double Cash Card – BT 18 Month Offer
You’ll earn 1% cash back on purchases and 1% cash back when you pay for purchases provided your account is current. This makes the rewards structure 18 Month offer ideal for consumers who don’t like having to track income categories. And with no annual fee, the card lets you keep any cash back rewards you earn, as long as you don’t have a balance to pay and you don’t incur interest charges.
Rewards are earned in two parts: you earn 1% back when you make a purchase and 1% back on the payments you make for that purchase. If you don’t make at least the minimum payment on time, you won’t earn any rewards on purchases during that billing cycle.
You also stop earning cash back after your account is closed. So if you’re a little lax in paying off your credit cards, this might not be a good rewards structure for you.
Sign-up bonus
Unlike many other cashback cards on the market, the Citi Double Cash Card – 18 Months BT offer does not offer a sign-up bonus.
How to Redeem Rewards with the Citi Double Cash Card – BT 18 Month Offer
Cardholders can redeem rewards in the form of a check, as a statement credit to your Citi Double Cash Card – BT 18 month offer, as a credit to a linked Citi Savings or Chequing account, or on an account from which you paid a Citi credit card. charge at least twice. To do any of the above, you need a cash rewards balance of at least $25.
Citi also offers ThankYou points, which can be purchased for as little as $1 in cash rewards. You can use Thank You Points to make online and in-person purchases at participating partners, like Amazon.com, to buy top-brand gift cards, make charitable donations, pay off your student loan or mortgage, or as statement credit. To learn more about ThankYou points redemption options, visit thankyou.com.
What is the Citi Double Cash Card – BT 18 month offer APR?
The Citi Double Cash Card Offer – 18 Months BT offers an introductory APR of 0% on balance transfers. You will pay no interest on transferred balances for 18 months. After that, you will have an APR of 13.99% to 23.99% (variable), depending on your creditworthiness.
If you’re looking to pay off other credit card balances, the Citi Double Cash Card – 18 Months BT offer may be a good option, provided you finish making payments within the 0% APR period of 18 months. month and that you do not make any new purchases that you cannot pay each month during this period. If you don’t pay your balance in full, you’ll start earning interest on those new purchases.
What are the fees associated with the Citi Double Cash Card offer – 18 months BT?
- Balance transfer fee: 3% of each transfer, with a minimum of $5, if the transfer is made within the first four months of account opening. After that, it’s 5% of each transfer, with a minimum of $5.
- Foreign transaction fees: 3% of each transaction.
- Cash Advance Fee: Either $10 or 5% of each Cash Advance amount, whichever is greater.
- Late or return penalty: up to $40.
Should you get a Citi Double Cash Card – BT 18 month offer?
- You want to avoid paying an annual fee.
- Need an introductory promotion 0% APR on Balance Transfers.
- You don’t want to worry about tracking reward categories.
- You want to earn money on all your purchases.
- Pay your balance on time each month.
Citi Double Cash Card FAQ – BT 18 Month Offer
Q: How does the Citi Double Cash Card – 18 months BT offer work?
A: Citi Double Cash Card – BT 18 month offer earns 1% cash back on purchases and 1% cash back when you pay for purchases, with no reward cap. This means that if you don’t pay your balance in full each month, you won’t get your full 2% back. If you don’t make at least the minimum payment by the due date, you also won’t earn cash back on purchases made during that billing cycle.
Q: What is the credit limit on the Citi Double Cash Card – BT 18 month offer?
A: The credit limit for the Citi Double Cash Card – 18 Month BT offer varies. Citi does not disclose a minimum credit limit, but you can generally expect a credit limit of at least $500 and sometimes several thousand dollars.
Q: Is the Citi Double Cash Card – 18 months BT offer a good credit card?
A: The Citi Double Cash Card – BT 18 month offer is a good card for cash back. This card with no annual fee offers 1% cash back on purchases and 1% cash back when you pay for them.
Where the Citi Double Cash Card – BT 18-Month Offer Falls Behind: To earn your full 2% cash back, you must pay off your balance in full. You only earn 1% back when you make a purchase. And if you ever don’t pay at least the minimum due on your card, you won’t earn any rewards on purchases for that time.
Although it offers an introductory APR of 0% over 18 months on balance transfers, the Citi Double Cash Card – 18 Month BT offer charges a variable APR of up to 23.99% (depending on your creditworthiness) on new purchases and outstanding balance transfers before the end of this period.
Q: How hard is it to get the Citi Double Cash Card – BT 18 month offer?
A: Citi Double Cash Card – Applicants for the BT 18 month offer are assessed on a variety of factors including their credit score and payment history. Citi does not disclose the criteria it uses to evaluate applicants, but in general applicants need good or excellent credit to qualify for the Citi Double Cash Card – 18 Month BT offer. Great credit is generally a credit score at or near 800, while good credit is a credit score between about 670 and 739.
