Citi CashReturns MasterCard Credit Card Review

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Who the Citi CashReturns MasterCard Is For

  • People who want to earn cash awards on their credit card costs.
  • People are looking for less expensive balance transfer options.

Credit Rating Required

  • Excellent (740+)
  • Good (700-739)
  • Fair (660-699)
 Pros of the Citi CashReturns MasterCard

  • Full 1% cash back on purchases.
  • Rewards earned on cash advances and balance transfers.
  • Automatic rewards redemption by check.
  • Long introductory 0% APR period on balance transfers (if you qualify).

Citi CashReturns MasterCard Rewards

  • 2% cash back on purchases for the first six months, then 1% cash back.
  • 1% cash back on cash advances.
  • Rewards earned on balance transfers.
  • 5% cash back “on average” on purchases through Citi Bonus Cash Center.
 Citi CashReturns MasterCard Annual Percentage Rates (APRs)

  • Balance transfers: 0% for seven to 18 months, depending on your credit rating.
  • Purchases: 12.99% to 20.99%, depending on your credit rating.
  • Cash advances: 25.24%.
  • Default rate: 29.99%.

Citi CashReturns MasterCard Fees

No annual fee.
Balance transfer and cash advance fee: 3% of amount.
Late payment fee: $15 to $39
Over-limit fee: $39.

Citi CashReturns MasterCard Review

City Cash – Returns MasterCard is announced as a good cash back prize card – it is. It works only if it is not as good as a balance-transfer card.

If you have a poor credit or 0% balance transfer rate from 12 to 18 months – if you have a really good credit, you may be eligible for seven months. The remaining transfer fee is 3%, which is the lowest. What’s more, you earn five “sitidolars” on the remaining transfer of more than $ 1,500.

If you use a card for a purchase, you earn 2% cash for the first six months, then 1%. If you buy through the City’s bonus cash center, you can earn an average of 5%, the bank says there are more than 400 traders. For example, you can earn 9% on FTD.com and 2% in Frederick of Hollywood.

Cash-back prizes both have good points and bad points. When you get the $ 50 prize limit, City automatically reaches the check match – unlike other similar cards such as Discover and Chase, you do not need to call the bank to redeem your points. However, this is the least significant of those other cards. If you buy at stores that pay a rich prize, you can reach the mark of $ 50.

City Cash Returns MasterCard allows you to earn full cash on cash advance. However, do not do this – cash advance is 3%, and the APR is more than 25%. So the earnings you make will not be close to any earnings.

Also ReadWhat is The Interest Rate on Apple Cards?

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