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If cash back rewards are at the top of your priority list for credit cards, the card_name and the Citi Double Cashยฎ Card are worth a look. You donโt have to pay an annual fee with either card, and both come with attractive introductory APR offers. Still, card_name comes out on top due to its earning potential. Plus, it offers a generous welcome bonus you wonโt get with the Citi Double Cashยฎ Card.
Hereโs a quick look at what each card offers:
card_name | Citi Double Cashยฎ Card | |
---|---|---|
Bonus rewards | bonus_miles_full | bonus_miles_full |
Annual fees | annual_fees | annual_fees |
Foreign transaction fees | foreign_transaction_fee | foreign_transaction_fee |
Whilst Citi Double Cashยฎ Card does offer a new cardholder incentive. Earn $200 cash back when you spend $1,500 on purchases within the first 6 months of opening your Citi Double Cashยฎ card account. card_name offers a more with the following offer:
Welcome bonus winner: card_name
Citi Double Cashยฎ Card keeps it simple for cardholders with its flat-rate rewards system where they can bonus_miles_full. Still, you can get even more out of card_nameโs rewards program. Although it pays just 1.5% cash back on everyday purchases, you can earn 3% cash back on dining and drugstore purchases and 5% on travel booked through Chase Ultimate Rewards.
Rewards winner: card_name
Neither card charges an annual fee.
Annual fee winner: Tie
Citi Double Cashยฎ Card features a longer promotional APR period. However, it only applies to balance transfers.
card_name cardholders get a intro_apr_rate,intro_apr_duration and balance_transfer_intro_apr,balance_transfer_intro_duration. However a foreign_transaction_fee fee applies to each balance transfer, making this benefit a better deal for purchases.
APR winner: card_name
Cardholders pay a 3% foreign transaction fee with both cards.
Foreign transaction fee winner: Tie
card_name offers a host of added perks to cardholders, including:
The incentives the Citi Double Cashยฎ Card offers donโt quite compare. Youโll get exclusive access to entertainment experiences and standard fraud protection against unauthorized charges. However, there isnโt much more that comes with this card in terms of added perks.
Additional perks winner: card_name
It depends on your spending patterns. Below is a breakdown of how much youโd earn if you spent $750 in each category:
General travel | Drugstore | Dining | All other purchases | Total cash back earned | |
---|---|---|---|---|---|
$11.25 | $22.50 | $22.50 | $11.25 | $67.50 | |
Citi Double Cashยฎ Card | $15 | $15 | $15 | $15 | $60 |
Generally speaking, you can earn more cash back with card_name as there are more bonus categories. Furthermore, this table accounts for the 1% earned after the purchase is repaid, so card_name offers a higher reward of 1.5% at the time of purchase.
The table also excludes earnings for travel booked through Chase Rewards. Using the same spending figure of $750, youโd earn an additional $37.5 in cash back rewards. But as shown above, youโd only earn $15 with the Citi Double Cashยฎ Card.
card_nameโs welcome bonus, generous rewards program and added perks make it the better option. Your earning potential is greater if you travel or dine out a lot. And when you consider the welcome bonus for new cardholders, itโs the obvious choice to maximize your cash back rewards.
Citi Double Cashยฎ Card could work if you prefer a card with a simple rewards program. Youโll get 2% cash back on all purchases: 1% when you make the purchase and 1% when you repay it. This alleviates the stress of having to make purchases in specific categories to maximize earnings.
Itโs also ideal if youโre looking to consolidate debt. Youโll get a slightly longer promotional interest period of 18 months compared to the 15 months offered with card_name. The card_name has a balance transfer fee of balance_transfer_fees The Citi Double Cashยฎ Card has a balance transfer intro fee of 3% of each transfer ($5 minimum) completed within the first 4 months of account opening, then 5% of each transfer ($5 minimum) making the Citi Double Cashยฎ Card the better choice for balance transfers.
Learn more from our full review.
card_name and the Citi Double Cashยฎ Card are at the top of the cash back rewards cards list. The best fit for you depends on your spending habits. Still, card_name is more appealing due to its bonus categories and welcome cash back offer.
If youโd prefer a flat-rate earning system, the Citi Double Cashยฎ Card could be a good fit. And if you plan to do a balance transfer, you could save a bundle in interest.
Ultimately, you canโt go wrong with either card. And you wonโt pay an annual fee regardless of which you choose.
Generally, the Citi Double Cashยฎ Card requires a fair to excellent credit score. Youโll also need to demonstrate you have a sizable amount of steady income.
Some cardholders have reported credit limits of up to $14,000. However, Chase does not disclose minimum and maximum credit limits for card_name.
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