I hate "Points" cards. If you're like me and you want something simple, with cash back for using the product, this is for you. I've made literally thousands of dollars since accepting this card a few years ago. I get 1% cash back right away and another 1% on any balance I pay off as well. Since I pay it off monthly I see money every month. I'm literally being paid to use the card, free money, a no brainer. I pay the card off monthly so interest doesnt matter to me. But i literally charge everything I can to maximize the cash back. LOVE IT! I even tried the price rewind feature and was shocked it actually worked receiving almost $30 back for some tax software I had purchased and Citi found a lower price for me online. I also used the rental car insurance option and received money back on a charge I had for a damaged mirror to a rental vehicle. I've never been more impressed with a credit card.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR 0%* for 18 Months
- Balance Transfer Regular APR 14.49% - 24.49%* Variable
- Annual Fee $0*
- Purchase Intro APR Not Applicable
- Purchase Regular APR 14.49% - 24.49%* Variable
Most Helpful Positive Review
Most Helpful Negative Review
After being a customer with 2 credit cards for years and paying on time more than minimum payment every single year, we got royally screwed. We made a balance transfer to our card on July 7. We asked when the due date normally was, July 13. So, the first due date for the balance transfer would have been August 13. We made a $450 payment, WAY over the minimum on July 15, but they would not count that towards the August 13th due date and assessed a $35 late fee and flagged us as late. I'd be fine if that was automatic, but they saw what happened and revoked the late fee. Instead, I was transferred 8 times, and put on hold 11 times, to finally have a "manager" tell me I'm the one who screwed up and paid during this July 13-17 payment no-man's land. Well, goodbye Citi, I'm sorry you don't care one bit about your customers. Going with some smaller bank or a company like discover.
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Sample Size: 585
Data Created: February 02, 2015
Note: Sample data consists of Credit Karma members who hold this card.
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