Citigroup double cash Review: Is it stable Return on expenditures?

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Citigroup's double cash credit card is a good credit card for consumers who want a stable return on their spending. It is simple, valuable, and very versatile. In particular, on March 28, 2022, the rewards will be granted in the form of thank you points and other details on how cardholders can redeem the rewards.

There are no bonus categories to note and there are no annual fees to watch out for.

You can even take advantage of its April 0% long-term balance transfer offer to avoid interest charges on another card. However, please note that there is a balance transfer fee. However, depending on the size of the balance, this cost may be negligible compared to the money you save on accrued interest charges on another card.
Citigroup double cash
A double cash card has many advantages.

This is a good choice for consumers who have different spending, as well as a good pairing choice with another card that can be rewarded in multiple bonus categories. There are no annual fees and the 2% rate is hard to beat at this level. Use it to transfer the balance to reduce accrued interest charges on another card.

Advantages

  • 2% cash return per Purchase (1% at Card Switching, 1% after Payment)
  • Nearly 2 thank you points per dollar (starting March 28, 2022)
  • Long Term Balance Transfer Pricing
  • No annual fees

The inconvenients

  • Balance Transfer Fee
  • External transaction fees
  • No welcome bonus
  • Limited benefits

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What makes this card a good choice?
Redeem Rewards
It should be noted that since March 28, 2022, Double cash rewards will be thank you points Not a cash reward. However, the cardholder can continue to redeem thank you points for cash, etc. Your rewards never expire and there's no limit to what you can earn.

Thank you points are convertible into:

  • Traveling with Citigroup Travel Partners (learn more about Citigroup Travel Partners here )
  • Cash rewards
  • Gift card
  • Basic products

Currently, cardholders can redeem cash (minimum $25) by:

  • Reporting Credits
  • Direct deposit
  • Verification by mail

The easiest way to redeem rewards is to use the direct deposit option. While redeeming statement points is still a good option, using direct deposit provides an immediate cash bonus rather than reducing a credit card account's statement balance.

Remember that if you have a monthly balance (which you should avoid as much as possible to reduce interest charges), exchanging a statement letter of credit will not help you make the monthly payments that you need.
Credit card benefits
Double Cash doesn't offer any impressive additional benefits, but it's a surprise for a card with no annual fee. Nevertheless, cardholders will find some of them useful.

  • Citigroup Entertainment: Obtain special rights to purchase tickets for recreational activities, including concerts, sporting events and dining activities.
  • Free Fico Score: Citigroup Card Holder Free Access View their Fico card score 8 credit points.
  • 24×7 Customer Service: Access Citigroup customer service anytime.
  • Contactless payment: No need to insert or swipe. Swipe the card anywhere you see the symbol to pay.
  • Virtual Card Number: Citigroup generates random card numbers that you can use while shopping online to make shopping safer.
  • Fraud Protection: Citigroup will monitor your account 24 hours a day, 7 days a week for unusual activity and alert you if discovered.
  • $0 Unauthorized Charges Liability: You will not be responsible for any unauthorized charges.
  • Citigroup Identity Theft Solutions: If you are a victim of identity theft, Citigroup can put you in touch with someone who can help.
  • Missing Wallet Service: If your card is lost, Citigroup normally replaces it within 24 hours. Citigroup will also provide you with emergency cash based on your cash advance limit.

How to apply
You can apply securely on the Citigroup website. Complete the request form with the appropriate information and Citigroup will respond to you immediately. In some cases, Citigroup may request more information.

Citigroup double cash card is a Mastercard, which means it can be used anywhere it is accepted.
Does Citigroup offer credit card customer service?
That's right. In the US, you can contact Citigroup Customer Service by credit card at 1 – (800) – 950 – 5114. The advantage of the credit card is to have access to customer support from Citigroup 24 hours a day, 7 days a week.
Why use Balance Transfer?
Transferring the balance is a good way to alleviate debt. If you have an accumulated interest balance on another credit card, you can transfer it to double cash and pay it at 0% interest over 18 months (then at a rate variable from 13.99% – 23.99%).

Remember that if you continue to purchase after transferring the balance, you will be responsible for the transfer balance plus any new purchases. Therefore, make sure your budget is reasonable so that you can pay off the balance within a given time frame.
What credit do you need to qualify?
Citigroup double cash is recommended for solvent consumers. To be considered to have good credit, your Fico score must be at least 670 – 739 or your VantageScore must be at least 700 – 749.
Will my reward expire?
You don't have to worry about your rewards expiring and there's no limit to the number of rewards you can get.
Does this card suit you?
Citigroup double cash card is ideal for most consumers. It's a good choice to pair with other credit cards and earn a variety of purchases to maximize your return on spending.

It's also a good choice for consumers who want a simple yet cost-effective credit card. If you don't have a special credit card for gas or groceries, use double the cash. It will reward items you may have already purchased.

It's not a bad option for casual travelers either. Although it does not offer travel protection, you can transfer thank you points to Citigroup airlines and hotel partners beginning March 28, 2022. This means you can earn 2 miles per dollar in double cash, which that will help you save on your next vacation or business trip. But keep in mind that if your trip takes you abroad, there is a 3% exchange fee.
What is the result?
Citigroup double Gold Card is a good choice. It is easy to use and cost effective. It's hard to pay back 2% cash without an annual credit card. These perks aren't impressive, but if so, some might come in handy.

Although there is no annual fee, it does charge both a balance transfer fee and an exchange fee. Therefore, if you plan to take advantage of the balance transfer benefit long-term, just be aware that a certain percentage of the transfer balance must be paid. But again, this may be less than the interest you accrued on another card.

By March 28, 2022, there will be more redemption options for double cash. It is possible to use it as a basic travel card because the card earns 2 miles per dollar if you redeem thankyu points when traveling with an airline or Citigroup hotel partner. However, it does not offer any travel protection like cards designed specifically for travel.
Are there any alternatives to consider?
If your double gold card is unchecked, check the two spare cards.

Wells Fargo active cash card: This is a natural competitor to double cash, with a 2% cash yield per purchase, with no annual fee. However, its benefits are even greater, with a popular 0% bonus for new purchases and balance transfers in April. But Wells Fargo might not offer the best customer service experience.

Capital One quicksilver cash Awards: Although it can receive 1.5% cashback compared to 2% of double cash, it offers a popular bonus, a long-term 0% discount for new purchases and more purchase options and travel protection.

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