Fact: 1% Cash Back on Purchase, no caps
Fact: 1% Cash Back on Payments, even if you choose not to pay the entire balance. (But do the math for your spending and paying habits; the extra 1% could be thwarted if you carry a balance.) If you pay your current balance before your current statement close date, you get the full 2% in the same statement. Otherwise, you will get the 1% Payment Reward on the following billing cycle.
Fact: Redemption methods are statement credit , gift card and check. You can redeem at a minimum of $25.
Fact: Rewards will expire if you do not earn any rewards for 1 year. Basically if you stop using your card for 12 consecutive months, your rewards will expire.
Fact: You do actually speak with a person immediately when you call. I have only had to call once when I was unable to active my card online.
Fact: Chip Enabled (I am still not used to "inserting" the card instead of "swiping" it, but I will get there.)
Opinion: The application process was easy. My only complaint is that they do not give you the option to provide a mailing address (PO Box) at the time of the online application (Discover and Chase do give you the option.) I gave my PO Box address anyway; and once I submitted the application, the webpage gave me a number to call to finish the application. Once I called the number, I gave my physical address with no further hassle. The subsequent approval took maybe 1 minute (Score 764/CL=$5,200). The representative confirmed that the welcome packet would be sent to the mailing address. I received the welcome packet at the mailing address 6 calendar days later; though the representative gave a 7-10 business day delivery window. I applied on a Saturday, and received the packet the very next Friday!
Opinion: It is a great card to use in conjunction with a ...
Rotating Category card (Freedom & Discover)
Online Shopping booster card (ShopDiscover, sometimes Chase UltimateRewards).
Category Specific card (Amex Blue Cash for Groceries, BankAmericard Cash Rewards for gas when it's not in a Rotating Category, Sapphire for dining -- you can combine those points w/ Freedom)
Opinion: As compared to the phenominal Discover.com, Citi Double's online management is very basic in both visual design and functionality. You can download statements as PDF, QFX, QIF, CSV, OFX and a "Custom Delimiter". I have no idea what "Customer Delimiter" is, but a field opens for input before you can download. You can also request statements older than 12 months in the same interface. You can go paperless through Citi, or enroll in Citi's eBills service through other instituation. I enrolled through Bank of America without trouble. It took about 3 days to receive a confirmation, though a disclaimer quoted up to 2 billing cycles. You can also create Virtual Account Numbers either with a desktop application, or their web-based application. Virtual Account Numbers are temporary credit card numbers you can use and cancel so that you keep your real card number secret. You can also enroll in their Price Rewind program where you can register a purchase for Citibank to find a lower price. I have not yet been able to try either feature because of a current technical problem they have with the site's Cookie managment. Citi says their development team is aware of the problem and are working on a fix. In the meantime, navigating their account management features can be cumbersome. If you run into this problem, just delete all Citibank cookies. reload the website and sign in again. It is a pain in the rear; I hope they deploy a fix soon.
Opinion: Their Android App is rather slow to load, but fairly responsive once loaded. The interface is easy to use and well layed out, containing recent transactions and your reward balance. You cannot access statements from the Android App. You can enroll in Citi Wallet, but I cannot comment on that process because I did not like the following stipulation, "There is no charge for using Citi Wallet but we reserve the right to impose a fee at any time." That ruffled my feathers, but is not a show-stopper for me.
Opinion: The card itself is lightweight, and more physically flexible that any other card that I have. (Amex Blue Cash, Chase Freedom, Chase Sapphire, Discover It, BankAmericard Cash Rewards)
PROS: Mastercard accepted just about everywhere, flat 2% back (don't carry a balance), eBills/Paperless statements, Chip Enabled, Rewards redeemable via check.
CONS: Cookie defect in online account management, Rewards not redeemable via direct deposit, online application process does not allow separate physical and mail addresses.