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Exclusive   Cash-back reward credit card study
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Citi
 
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Issuing Bank: Citi
Card
Citi Cash Returns MasterCard
Citi Dividend Platinum Select MasterCard
Citi Dividend American Express
Annual fee
$0
$0
$0
Intro bonus
Currently 20% bonus on all cash back for first 12 months
Currently, earn 5% cash back on supermarket, drugstore and gas station purchases and utilities for six months
Currently, earn 5% cash back on supermarket, drugstore and gas station purchases and utilities for six months
Percent rebate on 'everyday' categories*
1% on all purchases
Earn 5% cash back on supermarket, drugstore and gas station purchases and utilities for six months; 2% thereafter
Earn 5% cash back on supermarket, drugstore and gas station purchases and utilities for six months; 2% thereafter
Percent rebate other purchases
1% on all purchases
1% on all other purchases
1% on all other purchases
Percent other rebates
Average 5% additional cash-back bonus when shopping through the Citi Bonus Cash Center. Earn 1% on cash advances and cash convenience check amounts billed at the standard cash advance rate. Receive $5 for each individual balance transfer transaction of $1,500 or more.
Average 5% additional cash-back bonus when shopping through the Citi Bonus Cash Center. Earn 1% on cash advances and cash convenience check amounts billed at the standard cash advance rate. Receive $5 for each individual balance transfer transaction of $1,500 or more.
Average 5% additional cash-back bonus when shopping through the Citi Bonus Cash Center. Earn 1% on cash advances and cash convenience check amounts billed at the standard cash advance rate. Receive $5 for each individual balance transfer transaction of $1,500 or more.
Reward tiers
None
None
None
Reward increments
$50
$50
$50
How is rebate redeemed?
Automatically receive a $50 check every time you earn $50 cash back.
Cash back payable in checks of $50 or more only upon request
Cash back payable in checks of $50 or more only upon request
How often can be redeemed?
Every time account holder earns $50 cash back
Cash back payable in checks of $50 or more only upon request
Cash back payable in checks of $50 or more only upon request
Cap on rewards?
None
$300 per calendar year. Purchases through the Citi Bonus Cash Center are not subject to the $300 calendar year maximum accumulation.
$300 per calendar year. Purchases through the Citi Bonus Cash Center are not subject to the $300 calendar year maximum accumulation.
Expiration date on rewards
None
None
None
Comments or excluded merchants?
None
Purchases not eligible to receive the 2% rebate include, but are not limited to, purchases made at warehouse clubs, discount stores, and department stores. Online and catalog purchases are not eligible to receive the 2% rebate unless the merchants appropriately identify the transactions. Citi does not determine whether merchants appropriately identify the transactions, but Citi does reserve the right to determine which purchases qualify for the 2% rebate. World card has no pre-set spending limits (though there may be some restrictions based upon the account activity or available resources of account holder known to issuer).
Purchases not eligible to receive the 2% rebate include, but are not limited to, purchases made at warehouse clubs, discount stores, and department stores. Online and catalog purchases are not eligible to receive the 2% rebate unless the merchants appropriately identify the transactions. Citi does not determine whether merchants appropriately identify the transactions, but Citi does reserve the right to determine which purchases qualify for the 2% rebate.
Create a news alert for "credit card" -- Posted: June 2, 2008
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