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Reconsideration Phone
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- Citi Double Cash Card - Get $200 back after spending $1500 in the first 6 months.
- Chase Aeroplan welcome offer - Earn 70,000 points after spending $3000 in 3 months.
- World of Hyatt Business Card is offering for a limited time - 2 Tier-Qualifying Night credits for each eligible night stayed between 9/23/22-12/31/22 for new cardmember.
| Bonus Points | Minimum Spend | Point Value | Annual Value | Annual Fee | 1st Year Value |
|---|---|---|---|---|---|
| 20,000 | $1,500 | 1.0 ¢ | $0 | $0 | $215 |
| Best Value | Differentiating Perks | Rules |
|---|---|---|
| Cash back | 2% cash-back earnings on all purchases — 1% when you buy and another 1% when you pay | No 5/24 , Citi 1/95 , Citi 2/65 , Citi 1/8 , Citi 6/6 |
2X points
2¢ Per Dollar Spent
2X points
2¢ Per Dollar Spent
2X points
2¢ Per Dollar Spent
2X points
2¢ Per Dollar Spent
2X points
2¢ Per Dollar Spent
2X points
2¢ Per Dollar Spent
2X points
2¢ Per Dollar Spent
2X points
2¢ Per Dollar Spent
2X points
2¢ Per Dollar Spent
2X points
2¢ Per Dollar Spent
2X points
2¢ Per Dollar Spent
2X points
2¢ Per Dollar Spent
2X points
2¢ Per Dollar Spent
2X points
2¢ Per Dollar Spent
2X points
2¢ Per Dollar Spent
2X points
2¢ Per Dollar Spent
2X points
2¢ Per Dollar Spent
Transfer To Spouse/Partner Yes
Transfer To Friends Yes
Outside Point System Cash in Cents
1:1 71% value retained
1:1 100% value retained
1:1 91% value retained
1:1 63% value retained
1:1 91% value retained
1:1 71% value retained
This is a no hassle kind of card, the only thing you’ll be investing is a hit to your credit and a hit toward some of the credit card rules out there. The Citi Double Cash Card does have a foreign transaction fee so it’s not to be taken abroad. If you already hold the Citi Premier or Prestige card, it’s a great addition to your wallet, enhancing your ThankYou points without too much thought, if you don’t have those cards, don’t waste your sign up on this one. 2% Back is on the lower end when it comes to rewards.
It’s All in the Name
This card does exactly what it says, no limits, no confusion, no categories. You sign up, there is no introductory welcome bonus, you get 1% cash back when you purchase something and 1% cash back when you pay, there are no category bonuses, no surprises. This card does offer $0 annual fee and 0% APR for 18 months on balance transfers.
More than Just Cash Back
You have a couple of options when it comes to redeeming. You can request a check, get a statement credit or if you have a Citi savings or checking account you can get a credit right into your account. Increments are done with a minimum of $25. Another fun option that’s fairly new is converting your cash into ThankYou points -- converting is $1 to 100 Citi ThankYou Points. This last option is especially useful if you are holding the Citi Premier or Citi Prestige card already where points are transferable to a number of different partners, giving you even better value toward travel.
Most points have a 1 cent redemption value. Plus any 1X of 1.5X cash-back on spends are in cents, not dollars. So that we are comparing Apples to Apples, in terms of cash back vs. points, we use cents rather than dollars in representing cash bonuses.
Card approval not subject to 5-personal-cards-in-24-months rule
You'll be declined if you apply for a second Citi business card within 95 days
You'll be declined if you apply for a third Citi card within 65 days
You'll be declined if you apply for a second Citi card (business and/or personal) within 8 days
You'll be declined if there are 6 or more hard inquiries on your credit report the past 6 months
With no annual fee, unless there is a specific reason, we usually leave cards open to maintain the relationship with the bank.
- Citi Double Cash Card - Get $200 back after spending $1500 in the first 6 months.
- Chase Aeroplan welcome offer - Earn 70,000 points after spending $3000 in 3 months.
- World of Hyatt Business Card is offering for a limited time - 2 Tier-Qualifying Night credits for each eligible night stayed between 9/23/22-12/31/22 for new cardmember.
