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The Real Reason Behind Double Cash Card | double cash card

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Cash Back Credit Card - Citi® Double Cash - Citi.com

The Citi® Double Banknote Agenda hit the bazaar in 2014 and has aback become an capital acclaim agenda for putting banknote aback in your wallet. The agenda is appealing straightforward: It has a simple rewards affairs and offers one of the best flat-rate cash-back programs so you can acquire rewards on annihilation and aggregate you buy.

Cardholders acquire 1% aback you buy and 1% as you pay, which is one acumen the Citi® Double Banknote Agenda is on CNBC Select's anniversary of best cards for arcade this anniversary season.

To actuate the best cash-back acclaim cards, CNBC Select analyzed 50 accepted cards application an boilerplate American's anniversary spending anniversary and digging into anniversary card's allowances and drawbacks to acquisition the best of the best based on your chump habits. (See our alignment for added advice on how we accept the best cards.)

Below, we breach bottomward Citi® Double Banknote Card's rewards, allowances and fees to advice you adjudge if it's the appropriate agenda for you.

On Citi's defended site

2% banknote back: 1% on all purchases and an added 1% afterwards you pay your acclaim agenda bill

Citi® Double Cash Card

0% for the aboriginal 18 months on antithesis transfers; N/A for purchases

13.99% - 23.99% capricious on purchases and antithesis transfers

Cardholders acquire 2% banknote aback on all purchases — 1% aback you accomplish a acquirement and an added 1% aback you pay your acclaim agenda bill. This encourages acceptable banking behavior, as you get the best rewards aback you pay off your bill on time and in full. The card's easy-to-use rewards affairs requires no anniversary activation, there are no appropriate benefit categories and there's no absolute to how abundant banknote aback you can earn.

Once cardholders accept becoming $25 anniversary of banknote back, they can redeem it for a analysis or anniversary credit. There is no acceptable bonus, so there's no befalling to aerate your rewards in the aboriginal year.

CNBC Select affected how abounding rewards the boilerplate American can acquire if they optimize the way they use their Citi® Double Banknote Card. We formed with the area intelligence close Esri, who provided us with a sample anniversary spending anniversary of $22,126.

The anniversary includes six capital categories: advantage ($5,174), gas ($2,218), dining out ($3,675), biking ($2,244), utilities ($4,862) and accepted purchases ($3,953).

Citi Double Cash Review: Earn Up to 11% Cash Back on All Purchases

Here's a breakdown of how abundant banknote aback you can almost acquire in anniversary category, annually:

Cardholders can acquire an estimated $784 in banknote aback the aboriginal year (including the banknote aback from the acceptable bonus) and added than $2,000 over bristles years.

Your banknote aback rewards antithesis can expire if you haven't becoming any banknote aback on purchases or payments for 12 months.

Unlike some rewards cards, the Citi® Double Banknote Agenda doesn't appear with a ton of added perks. Cardholders do accept admission to Citi Entertainment, which provides aboriginal admission and appropriate allowances at music, theater, dining and sports events, such as Keith Urban in Las Vegas, Broadway shows and the Basketball Hall of Fame showcase.

The Citi® Double Banknote Agenda stands out in allotment because of its $0 anniversary fee. However, there is a 3% fee answerable on purchases fabricated alfresco the U.S.

For new cardmembers, this agenda has one of the longest anterior periods for antithesis transfers at 0% APR for the aboriginal 18 months (after that it's a capricious 13.99% to 23.99%). Antithesis transfers charge be completed aural four months of aperture an account, and there's a $5 or 3% fee (whichever is greater) answerable to accomplish the transfer.

Citi Double Credit Card - Payments Innovation — The Futurist Group

This agenda makes earning banknote aback attending easy: It gives you money for arcade and rewards you for advantageous your bill on time. And if you do aloof that, the estimated banknote becoming afterwards one year could be $437 aback into your wallet, and afterwards bristles years, a absolute of $2,185.

To actuate which cards will put the best money aback in your pocket, CNBC Select evaluated 50 cash-back acclaim cards offered by the better banks, banking companies and acclaim unions that acquiesce anyone to join. We compared anniversary agenda on a ambit of features, including cash-back rewards, anniversary fee, acceptable bonus, anterior and accepted APR, antithesis alteration fee and adopted transaction fees, as able-bodied as factors such as appropriate acclaim and chump reviews aback available.

CNBC Select teamed up with area intelligence close Esri. The company's abstracts development aggregation provided the best abreast and absolute chump spending abstracts based on the 2019 Chump Expenditure Surveys from the Bureau of Labor Statistics. You can apprehend added about their alignment here.

Esri's abstracts aggregation created a sample anniversary anniversary of about $22,126 in retail spending. The anniversary includes six capital categories: advantage ($5,174), gas ($2,218), dining out ($3,675), biking ($2,244), utilities ($4,862) and accepted purchases ($3,953). Accepted purchases accommodate items such as housekeeping supplies, clothing, claimed affliction products, decree drugs and vitamins, and added agent expenses.

CNBC Select acclimated this anniversary to appraisal how abundant the boilerplate chump would save over the advance of a year, two years and bristles years, bold they would attack to aerate their rewards abeyant by earning all acceptable bonuses offered and application the agenda for all applicative purchases. All rewards absolute estimations are net the anniversary fee.

It's important to agenda the amount of a point or mile varies from agenda to agenda and based on how you redeem them. Aback we affected the estimated returns, we affected that cardholders are redeeming banknote aback for a archetypal best amount of 1 cent per point or mile. (Extreme optimizers ability be able to accomplish added value.)

Citi Double Cash: More Valuable Than Ever Before  One Mile at a Time

While the five-year estimates we've included are acquired from a anniversary agnate to the boilerplate American's spending, you may acquire a college or lower acknowledgment depending on your arcade habits.

Editorial Note: Opinions, analyses, reviews or recommendations bidding in this commodity are those of the CNBC Select beat staff’s alone, and accept not been reviewed, accustomed or contrarily accustomed by any third party.

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