![]() If you want to trade in your rewards for cash back, you can redeem your Citi ThankYou points at a rate of 1 cent each for a check, a statement credit, or a credit to your linked account with no minimum requirement for statement credits or direct deposit check redemptions have a minimum of $5. You can use points from the Citi® Double Cash Card in more ways than you might think - they're not just good for cash back.īecause the Citi® Double Cash Card earns Citi ThankYou points instead of straight cash back, you can redeem rewards for travel through the Citi ThankYou travel portal, gift cards, merchandise, and more. The Citi® Double Cash Card is one-third of the Citi Trifecta - a trio of Citi cards that can supercharge your ThankYou Rewards balance by earning anywhere from 2x to 5x rewards on every single purchase. This delayed return shouldn't be a factor if you pay your bill in full every month, but if you're someone who carries a balance, it's something to consider. You'll earn 1 point per dollar (worth 1% cash back) when you make a purchase and 1 point per dollar (1% cash back) when you pay it off. ![]() Instead of awarding cash back all at once as most cards do, the Citi® Double Cash Card works a little differently. The Citi® Double Cash Card is simple in that it doesn't require you to keep track of bonus categories - you'll earn the same cash-back rewards rate on every purchase you make. How to Earn Cash Back With the Citi Double Cash Card ![]() It almost always doesn't offer a welcome bonus, but it has offered similar modest cash back welcome bonuses a couple of times in the past. Citi Double Cash Card Rewards Citi Double Cash Welcome BonusĬurrently, the Citi® Double Cash Card has a bonus of $200 cash back, fulfilled as 20,000 ThankYou® Points, after spending $1,500 on purchases in the first six months of account opening. For example, to transfer points to airline and hotel partners with Chase Ultimate Rewards®, you'll need an annual-fee card like the Chase Sapphire Preferred® Card, Chase Sapphire Reserve®, or Ink Business Preferred® Credit Card in your wallet. Unlocking the ability to transfer points to travel partners with the Citi Premier® Card and Citi Prestige® Card echoes the rules of other transferable points programs. You can also transfer Citi ThankYou points to Sears Shop Your Way rewards at a rate of 1 Citi ThankYou point to 10 Shop Your Way rewards points. Wyndham Rewards (if you don't have the Citi Premier® Card or Citi Prestige® Card, the transfer ratio is 800 Wyndham points for every 1,000 ThankYou points you convert).JetBlue TrueBlue (if you don't have the Citi Premier® Card or Citi Prestige® Card, the transfer ratio is 800 JetBlue points for every 1,000 ThankYou points you convert).Choice Privileges (1:2 ratio if you don't have the Citi Premier® Card or Citi Prestige® Card, the transfer ratio is 1,500 Choice points for every 1,000 ThankYou points you convert).Most of the current Citi ThankYou transfer partners all offer a 1:1 points transfer ratio, with exceptions noted below: Citi ThankYou transfer partners Keep in mind that you can redeem points from these airlines for award flights on partner airlines for example, because Singapore Airlines is part of the Star Alliance, you can use its miles to book award flights on United (also a Star Alliance member). ![]() But before applying, you should check out Citi's transfer partners to make sure they work for your travel plans. If you travel often but like saving money by booking award flights, this is an important factor to consider. This would make it possible to extract the maximum return from your rewards, because the Citi Premier® Card and Citi Prestige® Card open the door to transfers to all of Citi's airline and hotel partners. , it's a smart move to pair one of those cards with the Citi® Double Cash Card. Pair the Citi Double Cash With the Citi Premier or Citi Prestige The Citi® Double Cash Card offers a 0% intro APR on balance transfers for 18 months, then a 19.24% - 29.24% Variable APR, which can save you money if you're looking to consolidate debt or move a balance from a high-interest credit card. It's an ideal card for those who want a solid cash back rate without having to keep track of bonus categories or spending caps.īecause it has no annual fee, the Citi® Double Cash Card is a great option as a long-term "keeper card" - both for its strong cash back earning and because your average account age is a factor in calculating your credit score. And there's no limit to what you can earn, which puts the card high on our list of the best 2% cash back credit cards. With the Citi® Double Cash Card, you'll earn 2 points per dollar - effectively 2% cash back - on all purchases (1 point per dollar when you make a purchase, and 1 point per dollar when you pay it off). Show Pros, Cons, and More chevron down icon An icon in the shape of an angle pointing down.
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