OMAAT offers a referral bonus to anyone who has been approved by OMAAT through the links below. OMAAT is an advertising partner with Citi. These are the most relevant public offers (terms apply), that we found for each product and service. These opinions are solely the author's and not the views of any bank, credit card issuer or airline. They have not been approved or endorsed by any entity. For more information about our partners, please see our advertiser policy. Thank you for your support!This post will focus on the Citi Double Cash Card. I consider it to be the most valuable credit card for everyday spending. This is the card I use the most and it's the one I own.This card is a must-have if you don't have it yet. This card is a standout among personal credit cards in terms both of how rewarding and how flexible it can be. You can earn as much as 2x American Airline miles per dollar when you use this card for a limited period.Citi Double Cash Card Basics August 2021Citi Double Cash is flexible, whether you're looking for cash back or travel rewards. This card is extremely rewarding as a cashback card and can also be used to earn incredible travel rewards cards with a little effort.Citi Double Cash is my favorite credit card. You can earn 2x transferable point on all purchases, with no caps, and you can earn 2x points for every purchase. This card is great for anyone looking for a simple credit strategy. It's also great for people who want to maximize their points.Let's take a look at this card.There is no annual feeCiti Double Cash doesn't have an annual fee. That is a great deal. Many people will give up credit card rewards to avoid paying an annual fee. Here you get a valuable card that doesn't cost anything.0% Intro APRCiti Double Cash offers a 0% intro APR on balance transfers for 18 months starting from the date you make your first transfer. Transfers must be completed within four months of the account opening. Your creditworthiness will determine your APR.Although this may not be the right option for everyone, I do know that it is an option that some people use. Although some cards offer 12-months 0% APR for a period of time, 18 months is a very long time.As with all credit cards, I recommend that you only get one if your monthly balance is paid in full and that you use the card responsibly. Otherwise, the rewards won't be worth the price.Mastercard BenefitsCiti Double Cash Mastercard is worth mentioning, as Mastercard is highly accepted by merchants.Visa is the same, although American Express continues to improve in this area. Mastercards that are accepted almost everywhere can be a good thing.3% Foreign Transaction FeesCiti Double Cash is not a card you're going to use to make international purchases. There are 3% foreign transaction fees. The rewards you earn won't cover the costs of the card. There are many other cards that offer great foreign transaction fees.Citi Application RestrictionsEach credit card issuer will have different policies regarding the approval of new cardmembers. Citi has a strict policy that allows you to apply for a card once every eight days and two cards each 65 days.The 24/48 month restrictions do not apply to Citi Double Cash because it does not offer a sign up bonus.Citi Double Cash can be purchased by product changeCiti Double Cash does not offer a sign up bonus. It can be very easy to apply directly for the card (which I did), but there may be other ways you can obtain this card.Citi is one of the most generous card issuers when it comes to allowing customers to change their product between cards.Citi Double Cash allows you to downgrade any Citi personal credit card. This includes co-brand cards.A card that has been in your possession for 12 months or more can be subject to product changes. You cannot do this with a brand new card.Citi will be happy to help you with all your questions.You can keep your credit line open by applying for product changes rather than applying outright. Also, it won't count as an additional inquiry on your credit score.You have the option to apply for the card in full or change your product.Earn Rewards with The Citi Double CashThe Citi Double Cash is truly amazing. You can earn two cents per dollar by spending a dollar on Citi Double Cash and paying the bill. These rewards can also be converted to Citi ThankYou points at a rate of one cent per cent.Citi Double Cash: Earn Cash BackCiti Double Cash gives you 1% cashback when you purchase and 1% cashback when you pay for it.You'll get two cents back for every dollar you spend after making a purchase. This is a great way to earn cash back with your credit card.For me, two cents per dollar is the gold standard in credit card rewards.Citi Double Cash gives you valuable cash backHow to redeem Citi Double Cash Rewards as CashThe Citi Double Cash, which offers a return on your spending of two cents per dollar (after you have paid your bill), is explained. But how does it actually work?After logging in, the cash back will be visible in Citi's account. It will show in two columns: the 1% cashback you earn by spending and the 1% cashback you receive from paying for your purchase.To redeem Citi Double Cash rewards you will need to have a minimum balance of $25. This is after spending $1,250. There are four ways to redeem Citi Double Cash rewards.A variety of retailers offer gift cards that you can redeem for.A statement credit can be redeemed, which will post to the account within 2-3 business daysRedeem for a direct debit, which can be made to a Citi or another bank accountRedeem for a check and it will be mailed to your address within 7-10 business daysPersonally, I would not redeem for a gift certificate (why limit yourself). I would rather choose a direct deposit or a check to give me the greatest flexibility.Earn ThankYou Points with Citi Double CashCiti Double Cash rewards can be used to cash out. You can also convert Citi Cash Rewards to Citi ThankYou Points at a rate of 100 ThankYou Points per $1 in Cash Rewards. This means that 100 ThankYou points can be converted to 100 cents cashbackThis post will provide all the information you need about how to transfer Citi Double Cash rewards into Citi ThankYou.Citi ThankYou points can be redeemed in many ways. Although you can redeem them for one penny each, they are not worth the cost. You'd be better off getting cash back than gift cards at this rate.This is where it really shines: if you have the Citi Double cash in combination with a ThankYou card, such as the amazing Citi Premier Card (review).Citi Premier and Citi Double Cash holders can transfer their points to Citis airline transfer partners including Etihad Guest and Singapore KrisFlyer as well as Virgin Atlantic Flying Club and Air France-KLM Flying Blue. You can transfer Citi ThankYou points into American AAdvantage up to November 13, 2021. This is an amazing opportunity.This is a great way to redeem international first and business class experiences.Redeem Citi Double cash rewards to travel in Singapore's A380 SuitesPoints can be transferred at the following rates to these programs:Airline Partners Transfer Ratio Aeromexico Club Premium 1000: 1000 American Avianca LifeMiles 1000: 1000 Cathay Pac Asia Miles 1000: 1000 Etihad guest 1000: 1000 EVA Air Infinity Kilometers 1000: 1000 FlyingBlue TrueBlue 1000: 1000 Malaysia Airlines Inrich 1000: 1000 Qatar Airways Privilege Club 1000: 1000 Singapore Airlines KrisFlyer1000 ; 1000 Thai Airways Royal Orchid Plus 1000: 1000 Virgin Atlantic Flying Club 1000: 1000 Citi ThankYou Transfer Partners & RatiosThis credit card is the only one that offers an uncapped 2x transferable point return per dollar spent. ThankYou points are worth 1.7 cents each. That's 3.4% return on spending.Sometimes, you may be able to do more than that. Citi offers transfer bonuses often, so you could potentially benefit from them while still earning 2x points with this card.The Blue Business Plus Credit Card by American Express (review) is the only card that can compare in any way. It offers 2x Membership Rewards points for every $50,000 spent each calendar year. But:You can only earn 2x points for every $50,000 you spend in a calendar year (after $50,000, 1x).This is a business credit cardsIs the Citi Double Cash right for you?Citi Double Cash is the industry leader, whether you are looking for cash back or travel rewards. You don't have to choose which rewards you want. Instead, you can earn them and later redeem them.You can choose to earn after you have spent a dollar on your card and paid the bill.Cash back for two centsIf you use the card with a ThankYou card, such as the Citi Premier, then there are two transferable points.Unrivalled opportunity to earn 2x transferable points for every dollar spent, with no capsThis card is even more valuable because you can earn cash back efficiently and can transfer points to ThankYou partners in the future to redeem for travel rewards.Amazing Combo: Citi Premier + Citi Double CashThere are many great credit card pairings, but I think the Citi Premier and Citi Double cash are the best.Citi Premier offers incredible bonus categories. The card can earn 3x points on dining and gas as well as groceries and airfare. Citi Double Cash can earn 2x points for everyday spending. This means you'll be able to earn 2-3x points for all your spending.Citi Premier is a very well-rounded program. It has a $95 annual fee and offers an amazing sign-up bonus. There are also some perks that could prove to be valuable such as a $100 annual hotel credit.These two cards are a great combination. You'll pay less than $100 annually for the cards, and get a rate of return that is unmatched in the industry.Transfer Citi ThankYou points into American AAdvantage.Citi Double Cash Card OptionsCiti Double Cash is the best card, but there are other cards you might be interested in:The Chase Sapphire Reserve Card (review), and Chase Freedom Unlimited(review) offer flexible travel rewards and a great return on your spending.The Capital One Venture Rewards Credit Card (review), which has a $95 per year fee and offers a great welcome bonus, 2x Venture miles for every dollar spent, and no foreign transaction fees, is a good choice.These are only a few options.Citi Double Cash Card SummaryCiti Double Cash has no annual fees and offers unmatched flexibility. It can earn you cash back, or travel rewards points. The card can earn as much as two cents per dollar, and when used in conjunction with Citi Premier, you could earn 2x ThankYou Points per dollar, which can then be transferred to hotels or airlines.This is my primary card for daily, non-bonused purchases. It should also be the card many other people use.Follow this link to find out more information about the Citi Double Cash Card and how you can apply.Apply Now
