Whether you’re a business or a consumer, you’ll find that there are a number of Citicards cash back offers to choose from. The cards are available in both rewards and no-rewards versions, with the most common being the Dividend and Custom Cash cards.
Discover it(r) Cash Back
Discover has a number of cards that offer great cash back rewards .The Discover It Cash Back card is one of them. It offers 5% cash back in rotating bonus categories and 1% cash back on all other purchases. A free TransUnion FICO score is also available.
The Discover It card has no annual fee and a 0% introductory APR on purchases for the first 14 months. Citicards also offers a cash back match for the first year, allowing you to double or triple the rewards you receive. The cash back match applies to all rewards you earn in the first year.
The Discover It Cash Back card is a good choice for anyone with good credit. It offers a free TransUnion FICO score, a free credit report, and free credit identity alerts. These are all valuable features that are not offered by many competing cards. It also has a large variety of redemption options. For example, rewards can be used for gift cards, deposited into your bank account, or redeemed for a check.
The Discover It Cash Back is a no-fuss credit card with strong rewards. You can earn 5% cash back in rotating bonus categories, with a cap of $1,500 in spending each quarter. Those categories are likely to be products you purchase frequently. It is important to pay close attention to those categories to ensure you are not missing out on valuable rewards.
The Discover It Cash Back also has a few features that make it more forgiving than other cards. It has no penalty APR on late payments and does not charge a late fee on the first late payment. It also offers 24-hour live customer support.
Citi Double Cash Card
Whether you’re looking for a new card or want to make sure you’re getting the most out of your existing credit card, consider Citi Double Cash. It’s a solid no-hassle option that allows you to earn cash back without the annual fee.
This card is great for those who spend regularly. It also makes sense for those who love the concept of earning cash back, but aren’t keen on the complicated credit card rewards programs. It is also an excellent option for those who want to put all their purchases on one card.
You’ll need to make sure you pay your balance in full on time each month, otherwise you may find yourself losing the introductory APR. If you don’t make the required payments on time, you’ll pay a $10 minimum late payment fee. But if you can make the payments on time, you’ll earn 1% cash back for every dollar you spend.
You can also earn 5% cash back on specific categories. This can be a great deal for someone who makes a lot of purchases at the grocery store. However, it may not be as lucrative for those who make significant purchases in other categories.
This card also features an online chat feature that connects cardholders with a live representative. This allows you to ask questions quickly and easily.
Another useful feature is the Lost Wallet Service, which replaces your card if it’s lost. If your card is lost, Citi will mail you a new one within 24 hours. You can also sign up for the Citi Entertainment program, which allows you to get presale event tickets.
The best part of the Double Cash card is that it gives you an extra 1 percent cash back on your purchases. This is a good way to boost your earnings when you use multiple cards, but you may also be better off pursuing another no annual fee card.
Citi Dividend card
Getting a Citi Dividend card is a great way to earn cash back. This is a card that doesn’t have an annual fee, and offers 5% cash back on rotating categories. However, it does have a spending limit.
The maximum spending limit is $300 per year. This is on par with other credit cards. The card allows you to earn 5% cash back in rotating categories, and there are several bonus categories. These are helpful for online shopping, holiday shopping, and department stores.
The 5% cash back calendar is a good tool for planning major spending. The card also allows you to earn 1% cash back on other purchases.
The Citi Dividend card is no longer accepting new applications, but existing cardholders can still earn the bonus. The bonus is good for purchases made between October 1, 2022, and December 31, 2022. You will need to activate the category, and then make purchases over the next four months.
Citi Dividend offers a 5% cash back bonus in 2022. You will need to spend at least $6,000 over the next four months to get the bonus. The categories are available online, but you will have to activate them. The 2022 Q4 bonus category was announced on September 15, 2022. If you have an online account, you can activate it by visiting this link.
If you don’t spend heavily in the bonus categories, you still can earn 1% cash back. This makes the Citi Dividend card a good option for those who don’t want to be stuck with a spending limit.
The card also allows you to earn 5% cash back on eligible purchases at theme parks and movie theaters. You can also earn 1% cash back on eligible purchases within the Hilton Portfolio. The card also allows you to earn cash back on purchases at home improvement stores, gas stations, drugstores, and restaurants.
Citi Custom Cash Card
Those looking for a no annual fee cash back card with a solid sign-up bonus should consider the Citi Custom CashSM Card. It has a $200 cash back sign-up bonus, a 0% intro APR for 15 months, and no annual fee. This card is ideal for people who want to maximize cash back in key spending categories.
The Citi Custom Cash card also offers a 5% cash back rate on grocery purchases. This is a great option for moderate spenders who are looking for a no hassle cash back card.
The Citi Custom Cash card has a $500 spending cap per billing cycle. This is higher than the spending requirement of many other no annual fee cash back cards. This cap could prevent you from getting cash back on large purchases.
Unlike many 5% cash back cards, the Citi Custom Cash card rewards you with 1% cash back on all other purchases. This is great for those who want a card that rewards them for being themselves. However, this card can be a bit tricky to maximize rewards each billing cycle.
The Citi Custom Cash card offers a variety of rewards categories, including select transit, gas stations, home improvement stores, restaurants, and drugstores. You can also earn 5% cash back on select entertainment, travel, and live entertainment. These rewards change each billing cycle. You can also earn Citi ThankYou points which can be redeemed for cash back, gift cards, statement credits, and travel rewards.
The Citi Custom Cash card has a variable APR based on your creditworthiness. It is designed for those with good to excellent credit. However, you should check your credit score before applying. If your score is below 670, you may not be eligible for the sign-up bonus.
Blue Cash Everyday(r) Card from American Express
Designed to help you save money on everyday purchases, the Blue Cash Everyday(r) Card from American Express is a great no annual fee credit card for shoppers. The card offers rewards for spending on groceries, gas, and other everyday purchases. It also provides some of the standard protections associated with American Express cards. It is best suited for shoppers who spend a lot of money at gas stations and supermarkets.
The Blue Cash Everyday Card offers rewards in the form of statement credits. You receive up to $100 in statement credits after you spend $2,000 in the first six months. In addition, you will receive 3 percent back on your first $6,000 in online retail purchases. These rewards are based on a Credit Card Rewards Valuation Model that considers points earned from spending, a welcome bonus, and the ability to redeem points for statement credits.
The card is a great option for consumers who make frequent purchases at supermarkets, gas stations, and department stores. It also has a tiered rewards program that gives cardholders an enhanced earning potential.
In addition to the rewards, the Blue Cash Everyday Card provides benefits that add to its value as a shopping card. For example, cardholders have access to American Express Experiences events and Global Assist Hotline customer service. There are also purchase protections and an extended warranty program. However, the card does not offer many travel perks. It is also not the best option for international travel.
Although there are some differences, the Blue Cash Everyday Card offers rewards that are on par with cards that do not have an annual fee. This is especially true when it comes to online retail purchases.