Even though the 3% and 2% categories are capped, you’d still earn more overall than you’ll on the Citi Rewards+® Card, which caps the bonus rewards on groceries and gas at a combined $6,000 in annual spending.
To look for the rewards potential
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Having said that, the Citi Rewards+ Card is perfectly created for all your expenses that happen to be small.
Indeed, all supermarket and gas station purchases of $5 and under and all other purchases of $10 and under will earn 10 points.
To increase your earning while spending normally, consider your threshold for utilizing the Citi Rewards+ Card in each spending category.
Most cardholders will get the best value from their points by redeeming them for gift cards for a price of 1 1 cent per point.
Redeem Your Reward Points To Look Online
Check the data at the top of this page and the bank’s website for probably the most current information.
For instance, the Blue Cash Preferred® Card from American Express requires you to have earned $25 in cash back before you can redeem it as a statement credit.
This means you need to pay at least the minimum payment due by the initial day of every billing period — although it’s best practice to always pay your statement completely, if possible.
Each quarter, Citi announces a handful of categories where one can earn 5% cash back on its Citi Dividend card.
- In general, the best sweet spots are flights between the U.S. and Europe (excluding the United Kingdom), which cost 50,000 miles one-way in Delta One Suites.
- With some programs, you merely earn cash back on your own net purchases—your purchase balance minus returns and credits.
- It’s fair enough that the card was closed on me, as that’s totally within Citi’s right.
has a $0 annual fee.
One of the usual methods to redeem cash back is as a statement credit.
A statement credit is money credited to your account that reduces your charge card balance.
If you transfer a balance, interest will be charged on your own purchases if you don’t pay your complete balance (including balance transfers) by the deadline each month.
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Track All Of Your Loyalty Accounts In 1 Place
In the event that you redeem for flights through the Citi ThankYou travel portal, the value of your ThankYou Points will max out at about 1 cent per point when you hold a Citi Premier card.
That’s like getting a $100 ticket for the same as about 10,000 ThankYou Points.
If you’re looking for a premium experience to Southeast Asia, you should use KrisFlyer miles to fly Singapore business class to Hong Kong for 100,500 miles, or reach Singapore for 146,500 miles.
You may get a one-way flight in economy class on a Star Alliance partner for only 30,500 KrisFlyer miles.
For economy or business/first class flights, you will require 19,500 miles or 39,000 miles, respectively.
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Based on TPG’s valuation of Citi ThankYou points at 1.8 cents each, this implies you can earn a highly effective 3.4% return when you buy and pay with your Citi Double Cash Card.
Transferring your Citi ThankYou Points to 1 of its partner airlines can offer some fantastic travel options, and is in our opinion the best way to use Citi points.
Read our guide on how best to book Emirates business class using points.
The Citi Rewards+ Card offers a 25,000-point bonus after spending $1,500 in the first three months of account opening, one of the best offers we’ve seen on this card in its short history.
The downside to the Citi Dividend Card is that the interest rates are somewhat above average.
Then there’s the minimum cap of 19.99% for cash advances, so even if the Prime Rate drops you’d still have to pay a hefty interest rate for the loan.
However the 12-month introductory rate of 0% plus the insufficient any annual fees does supply the card a few of the lost sparkle back.
The platinum cardholder benefits also make the rates forgivable, with benefits including $1,000,000 in travel accident insurance, amongst others.
For 70,000 Avios, you can book a one-way award flight from the U.S. to Doha on Qatar Airways and experience one of the better business class products in