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
I had this card for a couple of years and found two charges from a welding company in another state that I never heard of let alone used. I tried to call the company many times, but no one ever answered the phone. When I spoke to customer service at Citi, I was told not to worry they would take care of it since it was a fraudulent charge. Long story short, after a month, Citi called to tell me since they paid this company I was responsible for the two charges totalling $1500. I paid it to protect my excellent credit, and, obviously, would never use Citi again.
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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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