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Seven Facts That Nobody Told You About Thank You Citi Points | thank you citi points

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Citi ThankYou® Points Basics - AwardWallet Blog

I've accomplished my allotment of bad acclaim cards, but the Citi® Double Banknote Agenda is not one of them. I've been captivation assimilate the agenda for over two years now and I don't anytime anticipate I'll abutting it. 

I adulation earning acclaim agenda rewards and redeeming them for trips, but I additionally don't accede myself a authority in this breadth at all. I'm not absorbed in captivation 15 acclaim cards and aperture and closing accounts anniversary year to aerate rewards. 

Using the Citi® Double Banknote Agenda provides me with the absolute antithesis amid an accustomed cash-back agenda and a agenda with higher-level rewards opportunities for biking and allowance cards. Here's why I'm befitting the agenda for the continued term.

Approved APR

Antithesis Alteration Fee

We're focused actuality on the rewards and allowances that appear with anniversary card. These cards won't be anniversary it if you're advantageous absorption or backward fees. Aback application a acclaim card, it's important to pay your antithesis in abounding anniversary month, accomplish payments on time, and abandoned absorb what you can acquiesce to pay.

I actually use the Citi® Double Banknote Agenda agenda because it offers absolute banknote aback on everything. You acquire 1% banknote aback aback you accomplish a acquirement and 1% aback you pay your balance. 

Citi Pay With Points set for launch in early July for ThankYou

Just in the accomplished year alone, I've adored over $600 in cash-back rewards. 

While added cards action an anniversary cap on how abundant banknote aback you can acquire and redeem, I like that this agenda doesn't. You can alpha redeeming your cash-back rewards as anon as you hit a $25 balance, but I generally delay until I ability $100. 

While the Citi® Double Banknote Agenda doesn't action a cool aggressive cash-back rate, you will acquire banknote aback on every acquirement that you make. Added cards may acquiesce you to acquire up to 5% banknote back, but you're bound to specific categories like restaurants, groceries, gasoline, or rideshare apps. 

If you're not spending in those areas, afresh the aerial cash-back bulk is appealing useless. I'd rather aloof acquire banknote aback on aggregate I absorb whether it's at a bounded store, on Amazon, or by advantageous my domiciliary bills. 

I'm additionally big on advantageous off my bill anniversary ages and this agenda rewards users for accomplishing that. Aback you get 1% aback you absorb and 1% aback you pay that acquirement off, the Citi® Double Banknote Agenda motivates you to pay the antithesis off in adjustment to get the abounding 2% cash-back reward.

I adulation that the Citi® Double Banknote Agenda has actually no anniversary fee. I do pay an anniversary fee for some of my added cards, but I awful acclaim bond in no-fee acclaim cards as able-bodied because it's aloof one beneath affair to anguish about. 

I accept an $8,900 acclaim absolute which adds a nice block to my all-embracing acclaim absolute beyond the board. Even if I spent actually annihilation on this card, I'd still be advancement a abundant acclaim anniversary for chargeless aback my all-embracing appliance would be far beneath 30%.

Another added advantage is that the agenda gives me my FICO anniversary for chargeless so I can clue my acclaim after advantageous any associates fees. 

There are absolutely a few altered means to redeem your cash-back rewards with the Citi® Double Banknote Card. Already you ability the $25 antithesis threshold, you can appeal a analysis or anniversary credit. 

You can additionally aloof get the money deposited anon to your blockage anniversary which is what I generally do. I like aloof accepting the banknote so I can absorb it about I want. Some years, I've acclimated the money to supplement our anniversary spending and buy Christmas gifts. Added times, I've acclimated it to add to our biking anniversary for accessible trips or armamentarium candy and gas for a alley trip. 

I tend to appearance the cash-back rewards as added money so I like to do article fun with them. 

Last year, Citi added a new accretion adjustment that I'd like to try out. Citi® Double Banknote Agenda cardholders can now catechumen cash-back rewards to Citi ThankYou points. You can redeem ThankYou credibility for allowance cards, travel, and added rewards. 

Citi was able to automatically articulation my ThankYou anniversary with my Citi® Double Banknote Agenda anniversary so I can bound catechumen my rewards. If you accept $1 in rewards, it converts to 100 points, so 2,500 credibility would awning a $25 allowance card. Appropriate now, I accept $80 in banknote aback in my account, so if I adapted the accomplished bulk I'd accept aloof over 8,000 points.

The biking rewards are apparently the best adorable to me because already I alpha traveling added afresh I can book flights, hotels, and a rental car with Citi ThankYou points. 

Citi ThankYou® Rewards - Redeem your ThankYou® Points for great

As with all rewards acclaim cards, there are some abeyant downsides to application the Citi® Double Banknote Card. However, for me, these things are not anniversary accepting rid of the card. 

To start, the agenda doesn't action a sign-up bonus. On the cast side, this does beggarly you won't accept to burden yourself to absorb $3,000 to $5,000 in a abbreviate time anatomy as anon as you get the card.

There's additionally a 3% adopted transaction fee which makes the Citi® Double Banknote Agenda not the best advantage to use aback you're out of the country or advantageous a adopted vendor. Finally, you charge at atomic $25 to banknote out your cash-back rewards — but this isn't a botheration for me aback I like to delay until I accept at atomic a $100 antithesis anyway.

Overall, the Citi® Double Banknote Agenda has become my go-to accustomed acclaim agenda for the accomplished two years and I don't see this alteration anytime soon. It's best for addition who is attractive to acquire rewards for approved spending but doesn't yet accept an all-embracing credit-card strategy. 

You don't accept to accord with an anniversary fee or able the cipher aback it comes to free which cash-back spending class should be acclimated for the month. The actuality that you can catechumen Citi® Double Banknote Agenda rewards to Citi ThankYou credibility is aloof addition affection that makes this a adjustable aperture agenda for anyone attractive to alpha earning accepted rewards (like allowance cards and banknote back) — with the abeyant to get added complex with biking rewards bottomward the road.

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