- #Double cash foreign transaction fee full#
- #Double cash foreign transaction fee free#
Citi Quick Lock: If your card is lost, stolen, or otherwise compromised, you can log in to your Citi account and lock the card so that it cannot be used. However, this opt-in process is as easy as clicking a couple buttons and comes at no extra charge to you. Note that this benefit is not automatic you will have to opt in to it in the “Card Benefits” section of your account. This protection provides you with constant identity monitoring as well as assistance in the unfortunate event that your identity is ever stolen. Identity Theft Assistance: With the Citi Double Cash card you are eligible for Mastercard ID Theft Protection at no extra charge. But then I discovered that this is actually an 850 out of 900 rather than an 850 out of 850, so I didn’t have a perfect credit score after all. 
When I first checked my score in my Citi account, I saw that it had been 850 at one point, and I got super excited (prefect score woo-hoo!).
Note that your score may look a bit “high” because the scoring model used is the Bankcard Score 8, which ranges from 250 to 900.
#Double cash foreign transaction fee free#
Free FICO Score: Every month you can check your FICO score free of charge, provided by Experian. So if you transferred $10,000 from another card to your Citi Double Cash, you would pay a balance transfer fee of $300.ĭoing a bit of math (12 months / 18 months x 3% = 2%), this is essentially like getting an 18-month loan at a 2% interest rate with the interest paid in advance.īeyond the 2% cash back rewards, the Citi Double Cash offers several other benefits to cardholders. After that, your fee will be 5% of each transfer (minimum $5). 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, the variable APR will be 14.24% – 24.24%. The Citi Double Cash currently offers a hard-to-beat 0% APR for 18 months on balance transfers completed within four months of account opening. #Double cash foreign transaction fee full#
In fact, rather than worrying about minimum payments, here at Money Done Right we recommend that you pay off your balance in full every month to avoid financing charges. Keep in mind that reward statement credits do not count toward the minimum payment on your card. This would really only be an advantage if you have a travel Citi card like the Premier or Prestige that permits you to transfer your ThankYou Points to Citi’s airline partners at a bonus rate.
Convert to Points: This option allows you to convert your cash back into Citi ThankYou Points. You should receive the check within 7-10 business days. Check by Mail: This option sends your cash back as a check mailed to the address associated with your account. Direct Deposit: This option deposits your cash back into your Citi or non-Citi account within 1-2 business days. The credit will post 2-3 business days after you select this option. Statement Credit: This option applies your cash back as a credit against your current balance on the card. Here are the four redemption offers currently offered by the Citi Double Cash: 
Your available cash back balance is displayed, down to the penny, right in your online account.Ī minimum of $25 is required to redeem cash back. There aren’t any complicated point systems here. This can cause a slight delay in the awarding of your cash back, but only by a month if you diligently pay off your balance every month.Īnd on the positive side, this function can provide you extra incentive to pay off your balance as quickly as possible (which you should be doing anyway). Mechanically, this card’s cash back is awarded in two parts: 1% when you use the card to make a purchase and another 1% when you make a payment. I’ll get into the pros and cons of the Citi Double Cash card later in this article, but first I’ll go over when this card makes sense. It gives you unlimited 2% cash back on all purchases with no annual fee.Īlthough the Citi Double Cash is my go-to cash back card, there are a few things that may cause some users to go with a different 2% cash back card. The Citi Double Cash is one of the most popular cash back cards - and for good reason.
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