Citi is a TPG promoting associate.
Who does not love a money again card? If wallets have been closets, there could be no higher staple than a card that earns you money again throughout each buy — this implies you are getting one thing again for each greenback you spend.
For me, there’s one card that stands out above and past the remaining for me: the Citi Double Money® Card (see charges and costs).
At TPG, it is simple to get misplaced within the glitz and glam of premium journey bank cards — and whereas these do make an enormous distinction in your general journey expertise — for me, no card can change the Citi Double Money in my pockets.
Listed below are 4 the reason why.
Limitless money again
The Citi Double Money earns limitless 2% money again — 1% whenever you purchase and a further 1% whenever you pay on your buy — on each buy you make.
There are not any limits or bonus classes to trace — simply limitless money again on every little thing you purchase.
Once I first began stepping into the bank card rewards sport, the Citi Double Money shortly turned one in all my favourite playing cards. Because of its easy and easy incomes construction, it is an incredible addition to any newbie’s pockets.
The true bonus is that this card can also be an effective way to fill in gaps in my reward-earning technique in order that I am incomes some kind of bank card reward with each greenback I spend, no matter which card I take advantage of.
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No annual charge
Did I point out that this card options no annual charge? Not solely does the Citi Double Money assist me earn on my common spending, however it additionally does this with out costing me a charge I’ve to pay 12 months after 12 months. It is the present that retains on giving.
With the Citi Double Money, I by no means need to optimize my spending to justify its annual charge as a result of it’s a card that provides with out asking for something in return.
Nice for steadiness transfers
At TPG, we suggest paying your playing cards off every month but in addition perceive that generally, this is not attainable. When you’re in search of a strategy to scale back high-interest bank card debt, the Citi Double Money may be a superb choice for you because it provides a 0% introductory annual share charge (APR) for 18 months on steadiness transfers.
Following the tip of the introductory interval, there might be a variable APR of 18.74%-28.74% primarily based in your creditworthiness.
To qualify for this supply, new cardholders should full the switch inside 4 months of opening their accounts; a 3% steadiness switch charge (minimal $5) will apply.
This may also help you consolidate your card debt with the intention to shortly and successfully repay your balances whereas saving on sky-high rates of interest.
Capacity to earn Citi ThankYou Factors
Lastly, one of many Citi Double Money Card’s most notable perks is that it earns money again within the type of Citi ThankYou factors.
These factors could be redeemed for normal money again or transferred to 3 loyalty companions — Selection Privileges, JetBlue TrueBlue and Wyndham Rewards.
Nevertheless, in the event you even have a Citi Strata Premierâ„ Card (see charges and costs) or Citi Status® Card (not out there to new candidates), these factors could be mixed in your Citi account after which transferred to any of Citi’s 19 switch companions. This helps you reap the utmost advantages of your rewards.
The data for the Citi Status has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.
Backside line
There are tons of money again playing cards in the marketplace, however few knock it out of the park just like the Citi Double Money Card. I like figuring out I get limitless 2% money again on each buy, anyplace, as a cardholder. As I add extra playing cards to my pockets, the Citi Double Money will stay a staple I attain for time and again.
To be taught extra concerning the card, try our full Citi Double Money overview.
Be taught extra: Citi Double Money