Citi® is offering the following:
Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening with the
Citi Double Cash® Card.
Special Travel Offer: Earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
Card Details:
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.24% - 28.24%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Rates & Fees
Read our review on the
Citi Double Cash® Card
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In my case, I pay my card in full 3-5 times a month as charges are no longer pending, so I always get the full 2% at the end of the monthly statement period.
I was aware of Fidelity's option, but the strings attached are a bit more than a simple credit card from BOA or Citi. If someone needs a taxable brokerage account, Fidelity is awfully nice because their cash sweep option automatically places unused cash in money market. Those rates beat Citi and BOA's high yield savings, and make it easy when compared to most other brokers that force you to manually buy MMF ETFs or Mutual funds.
In my case, I pay my card in full 3-5 times a month as charges are no longer pending, so I always get the full 2% at the end of the monthly statement period.
I was aware of Fidelity's option, but the strings attached are a bit more than a simple credit card from BOA or Citi. If someone needs a taxable brokerage account, Fidelity is awfully nice because their cash sweep option automatically places unused cash in money market. Those rates beat Citi and BOA's high yield savings, and make it easy when compared to most other brokers that force you to manually buy MMF ETFs or Mutual funds.
I'd advise everyone have at least one card with each major processor (Visa, Mastercard, Amex, Discover) to take advantage of deals and limit the annoyance of a stolen or lost card.
I missed out on these promotional deals.