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Citi® Double Cash Card vs Citi Rewards+℠ Card
Two attractive reward cards offering cash back or points.
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These two cards from Citi — a finder.com advertising partner — are attractive reward products. The Citi® Double Cash Card offers 1% cash back on all purchases, then another 1% as you pay them off. The Citi Rewards+℠ Card offers 2x points at gas stations and supermarkets on the first $6,000 in qualifying purchases each year, then 1x points.
Which card should you choose?
Citi® Double Cash Card
- Earn cash back. Earn cash back twice on everything you buy — 1% when you make the purchase and 1% when you pay your balance. Similar cards let you earn 1.5% back. That's up to a $100 difference if you spend $20,000 a year with your card.
- Intro APR on balance transfers. Enjoy 18 months of a 0% intro APR period for balance transfers. Compared to similar cards, this is one of the longest intro periods you can get. After that, a variable APR of 13.99% to 23.99% applies.
- Citi Entertainment℠. Get special access when buying presale tickets or VIP packages for concerts, sports events, dining and more.
Citi Rewards+℠ Card
- Reward points. Earn 2x points at supermarkets and gas stations on up to $6,000 in combined purchases each year. Once you reach the cap and on all other purchases, you earn 1x points.
- Round up points. A rewards rate of 2x and 1x points may not seem like its worth earning a spot as one of the best rewards credit cards. But with the rounding up feature, your rewards rate is actually higher. Say you buy a $2 coffee. Your reward points will round up at 10x points, thus earning a 5% reward.
- Bonus points. The card comes with 15,000 bonus points once you spend $1,000 in your first 3 months when you open your credit card account. Also, you get additional 10% bonus points for the first 100,000 points you redeem annually.
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