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Credit Card Reviews » Citi CashReturns(SM) MasterCard® |
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You don't have to dip into your retirement account in order to gain access to a credit card with a good cash rebate program. When you use the Citi CashReturns(SM) MasterCard®, you'll be getting all of the perks and benefits of a great credit card with great rewards, without the huge annual fees and rates. This card, issued by Citibank, lets you keep your cash to spend on more important things.
There are lots of credit cards out there that offer reward programs that give you cash back. But many of those credit cards also charge you high annual fee, effectively washing out any earnings you might have made through their rebate program. With the Citi CashReturns(SM) MasterCard®, on the other hand, your earnings are true earnings. This card offers attractive introductory terms, allowing you to earn a 5% cash back rebate on every single purchase that you make for your first three months of use. But your earning potential doesn't dry up after this period ends. After your first three months, you will still earn a 1% rebate on all of your purchases and cash advances, so the rebate earning never stops.
You will also receive five CitiDollars for every individual balance transfer that you make onto this card of $1,500 or more. And you'll never have to wait around, wondering when your rewards will be coming to you, or fill out forms to get what you've earned. Returns begin at $50, so a $50 check will be issued to you automatically every time you have earn $50 CitiDollars on your account.
Best of all, all of this saving comes at no additional cost to you. This card has no annual fee whatsoever, and offers an introductory interest rate of 0% on all balance transfers for up to first twelve months, and a reasonably low interest rate on purchases. However, the method this card uses for calculating the finance charges on cash advances can make using them very pricey, so it's best to stick to purchases and balance transfers on this one.
As a cardholder, you will also receive various user benefits and services. You will never be held liable for unauthorized transactions made on your card, and you will receive automatic auto rental insurance, different forms of travel and emergency assistance services, and an annual account summary. For no fees and good rates, this card offers a great cash rebate program.
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0% Intro APR on Balance Transfers for up to 12 months
as low as 9.99% Regular Variable APR for Purchases
19.99% Regular Variable APR for Cash Advances |
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25 days Grace Period |
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| (* 0% Balance Transfer APR for up to 12 months) |
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| Finance Configuration: Average daily balance. This includes new purchases. |
| Additional Cardholders: $0 |
| Late Payment Fee: $15 on balances up to $100, $29 on balances of $100 up to $250, $39 on balances of $250 and over |
| Over-The-Limit Fee: $39 |
| Cash Advance Fee: 3% of each cash advance; $5 minimum. |
| Balance Transfer Fee: 3% of each balance transfer; $5 minimum. |
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| Minimum Credit Limit: n/a |
| Maximum Credit Limit: n/a |
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| Type of Reward: Rebate |
| Rebate Minimum: 1% |
| Rebate Maximum: 1% |
| Additional Rebates: Earn a full 1% cash back on every purchase and Get a 20% bonus on the cash back earned on all purchases for the first 12 months |
| Bonus Rebates First Purchase: n/a |
| Bonus Rebates Other: n/a |
| Expiration: None |
| Yearly Limit: None |
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| Additional Features for Citi CashReturns(SM) MasterCard®: |
Various Internet account related services.
$0 liability for unauthorized purchases.
Auto rental insurance.
Auto rental discounts.
Travel accident insurance.
Fraud and security protection services.
Various travel and emergency assistance services.
Identity theft solutions.
Lost and stolen card reporting.
Annual account summary.
See website for additional benefits. |
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| Important Notes for Citi CashReturns(SM) MasterCard®: |
See website for complete terms and conditions of card usage and application disclosure.
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| Home » Apply for a Credit Card » Cards by Category » Cash Back Credit Cards |
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| Notes: The review on Citi CashReturns(SM) MasterCard® was updated on May 05, 2008. The review is believed to be accurate during the update, however, information posted may have changed since the update.
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