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Tag: credit card comparison
Citi Custom Cash Card
Citi Custom Cash Card “ Your Versatile Cashback Solution
The Citi Custom Cash Card is a special offering from Citibank that caters to consumers looking for a flexible credit card that allows them to earn cashback on categories they spend the most. This card is not just a basic cashback card; it provides a unique rewards structure tailored to individual spending patterns, making it an ideal choice for diverse spending habits.
1. Card Name and Issuer
The Citi Custom Cash Card is issued by Citibank, one of the largest financial institutions in the world, known for its range of consumer credit products.
2. Card Type
This card is classified as a cashback credit card, providing users the ability to earn cashback rewards on their everyday purchases.
3. Annual Fee
One of the standout features of the Citi Custom Cash Card is that it comes with no annual fee. This allows cardholders to enjoy the benefits of cashback rewards without the burden of a yearly fee.
4. Rewards Program
The rewards structure of the Citi Custom Cash Card is designed to adapt to your spending behavior. Cardholders earn 5% cashback on their highest eligible spend category each billing cycle, up to the first $500 spent. Eligible categories include restaurants, grocery stores, gas stations, select travel, and more. Additionally, users earn 1% cashback on all other purchases. Rewards can be redeemed as statement credit, deposits to your bank account, or for gift cards and merchandise.
5. Sign-Up Bonus
New cardholders can take advantage of a lucrative sign-up bonus. After spending $750 in the first 3 months from account opening, users can earn a $200 cashback bonus. This initial incentive provides a substantial reward for those who meet the spending criteria.
6. APR (Annual Percentage Rate)
The Citi Custom Cash Card offers a variable APR that ranges from 13.99% to 23.99%, depending on your creditworthiness. Additionally, there may be an introductory offer of 0% APR on purchases and balance transfers for the first 15 months. This allows users to make larger purchases without accruing interest for an extended period.
7. Foreign Transaction Fees
Travelers will appreciate that the Citi Custom Cash Card does not charge any foreign transaction fees, making it a valuable option for international purchases.
8. Balance Transfer Options
If you are considering transferring a balance, the card offers a 0% introductory APR on balance transfers for the first 15 months. After this period, the regular APR applies, and a balance transfer fee of 3% of the amount transferred will apply.
9. Additional Fees
While there are no annual fees, cardholders should be aware of other potential costs, such as late payment fees of up to $40 and cash advance fees which may be either $10 or 5% of the amount, whichever is greater.
10. Card Benefits and Perks
Citi Custom Cash Cardholders can enjoy several attractive benefits, including access to Citi Entertainment, offering exclusive access to concerts, sporting events, and dining experiences.
11. Customer Protections and Insurance
The card comes with solid customer protections, including $0 fraud liability, ensuring you are not held accountable for unauthorized transactions. Additionally, there’s purchase protection that covers eligible purchases against damage or theft for 120 days, and rental car insurance for qualifying rentals.
12. Eligibility and Credit Score Requirements
To be eligible for the Citi Custom Cash Card, applicants generally need to have a good to excellent credit score, typically around 700 or higher. Meeting this criterion can enhance your chances of approval.
13. Introductory Offers
As mentioned earlier, the card features a 0% APR introductory offer for purchases and balance transfers for the first 15 months, providing a great avenue for those looking to manage their finances more effectively.
14. Special Features or Unique Selling Points
What sets the Citi Custom Cash Card apart is its flexible rewards structure, which dynamically adjusts to your highest spending category. Unlike fixed-category cards, this feature means cardholders can maximize their cashback potential based on actual purchasing behavior.
15. How to Apply
Applying for the Citi Custom Cash Card is a straightforward process. You can submit your application online through Citibanks official website. For more details and to start your application, visit the ‘>Apply Here page to get started today, and check out additional insights about finances on UpCube.net. Make the most of your spending with the Citi Custom Cash Card.
Citi / AAdvantage Executive World Eliteâ„¢ Mastercard
Citi / AAdvantage Executive World Elite„¢ Mastercard Overview
The Citi / AAdvantage Executive World Elite„¢ Mastercard, issued by Citibank, is a premium travel credit card designed for frequent flyers and American Airlines loyalists. As a co-branded credit card, it offers an array of travel rewards, benefits, and protections that cater to the needs of both leisure and business travelers.
Card Type
This card falls into the travel rewards category, with a specific focus on earning miles for American Airlines flights and travel expenses. Its advantages make it an ideal choice for individuals who wish to accrue travel rewards for their air travel or related purchases.
Annual Fee
The Citi / AAdvantage Executive World Elite„¢ Mastercard comes with an annual fee of $450. While this may seem steep, the card’s extensive perks and benefits can easily outweigh the cost for savvy travelers.
Rewards Program
This card features a robust rewards program, allowing cardholders to earn 2 AAdvantage miles for every dollar spent on eligible American Airlines purchases and 1 mile for every dollar spent on all other purchases. The miles earned can be redeemed for flights, seat upgrades, and various travel-related services through the American Airlines AAdvantage program.
Sign-Up Bonus
New cardholders can enjoy a lucrative welcome bonus of 50,000 AAdvantage miles after spending $5,000 in the first 3 months of account opening. This bonus can significantly boost your mileage balance, paving the way for exciting travel opportunities.
APR (Annual Percentage Rate)
The card features a variable APR ranging from 18.24% to 25.24%, depending on creditworthiness. Additionally, new cardholders can benefit from a special introductory 0% APR on balance transfers for the first 12 months (note that a balance transfer fee applies).
Foreign Transaction Fees
Travelers will appreciate that the Citi / AAdvantage Executive card has no foreign transaction fees. This makes it an excellent choice for international travel, allowing you to make purchases abroad without incurring extra charges.
Balance Transfer Options
Cardholders can take advantage of a special balance transfer offer, providing a 0% APR for the first 12 months on transferred balances, with a balance transfer fee of either $5 or 3% of the amount transferred, whichever is greater.
Additional Fees
Aside from the annual fee, it’s essential to note that the Citi / AAdvantage Executive card may charge a late payment fee up to $40, a cash advance fee of either $10 or 5% of the cash advance amount, and a returned payment fee of up to $40.
Card Benefits and Perks
This credit card offers numerous valuable benefits and perks, including a complimentary American Airlines Admirals Club membership, which provides access to more than 50 lounges worldwide. Other perks include priority boarding, free checked bags for cardholders and up to 8 companions on the same reservation, and discounted in-flight purchases.
Customer Protections and Insurance
The card ensures strong customer protections, including zero liability on fraudulent purchases, purchase protection for eligible items, and extended warranty coverage on eligible purchases. Additionally, cardholders receive auto rental collision damage waiver insurance when they pay for the rental with the card.
Eligibility and Credit Score Requirements
To qualify for this card, applicants typically need a good to excellent credit score, usually between 700 to 850. Other criteria may include a stable income and favorable credit history.
Introductory Offers
The Citi / AAdvantage Executive card currently offers a 0% introductory APR on balance transfers for 12 months. This can be particularly beneficial for those looking to consolidate higher-interest debt without incurring immediate fees.
Special Features or Unique Selling Points
One major distinguishing feature of this card is the complimentary Admirals Club membership, which is a rare offering in the credit card space. This benefit alone can save frequent travelers hundreds of dollars per year on lounge access fees, making it a compelling choice.
How to Apply
Applying for the Citi / AAdvantage Executive World Elite„¢ Mastercard is a straightforward process. Interested applicants can apply online via the ‘>Apply Here for your Citi / AAdvantage Executive World Elite„¢ Mastercard!
For more financial insights, visit UpCube.net.