Citi CashReturns(SM) MasterCard® Rewards Earning Details
Total Estimated Rewards Earnings Annually: $154.19
Citi CashReturns(SM) MasterCard® Review:
The Citi CashReturns MasterCard®, issued by Citibank, is designed for those with very good credit who will take advantage of the interest-free introductory offer and the cash back reward program.
The card offers access to a free reward program. Through the reward program, cardholders will earn a 5% cash back rebate on purchases for the first three months and a 1% rebate on purchases and cash advances thereafter. Cardholders will receive five CitiDollars for each individual balance transfer transaction of $1,500 or more. A $50 check will automatically be issued every time $50 CitiDollars have been earned. Checks cannot be issued for less than $50.
The card has no annual fee, an attractive 0% introductory rate on balance transfers for up to twelve months, and a reasonably low interest rate for purchases. However, there is a minimum cap for cash advances; so no matter how low the Prime Rate falls (the APR is tied to the Prime Rate), the interest rate will not go below the minimum cap.
Aside from the reward program, cardholders can expect access to a variety of benefits and services that include no liability for unauthorized transactions, auto rental insurance, various travel and emergency assistance services, and an annual account summary.
Therefore, individuals who will take advantage of the reward program, the introductory offer, and the additional benefits will benefit most from what the Citi CashReturns MasterCard® has to offer.
