Last updated on January 9th, 2021 at 05:09 am | This article was published at an earlier date and has been updated with new information.
MasterCard Credit Card Review – The Citi Cash Returns Mastercard
Overview Of Citi Cash Returns MasterCard Credit Card:
Citi Cash Returns MasterCard Credit Card – This MasterCard Credit Card has a very decent and attractive cash-back rewards program, it works similarly also for balance transfers.
Who Are The Customers That Citi Cash Returns MasterCard Is made For?
This credit card is made for People who need to earn cash rewards on their credit card spending.
The card is made for People who are searching for a minimal effort balance transfer choice.
The requirement for Credit Rating
How To Acess the Citi Cash Returns MasterCard
Has a complete 1% cashback on all purchases.
There are rewards earned on cash advances and balance transfers.
Offers an Automatic rewards redemption with a money order.
On the off chance that you qualify there is a long early on 0% APR period on balance transfers
Cons of the Citi Cash Returns MasterCard
There is a high redemption threshold.
Citi Cash Returns MasterCard Rewards
Earn 2% cashback on purchases for the initial half-year, then 1% cashback.
Earn 1% cashback on cash advances.
There is a 5% cashback “on average” on purchases through Citi Bonus Cash Center.
Citi Cash Returns MasterCard Annual Percentage Rates (APR)
Balance transfers: The extra transfers are 0% for 7 to year and a half, depending on your credit rating.
Purchases: 12.99% to 20.99%, depending on your credit rating.
Cash advances: 25.24%.
Default rate: 29.99%.
What Are The Citi Cash Returns MasterCard Fees?
No yearly fee.
Balance transfer and cash advance fee: is 3% of the sum.
The late payment fee is $15 to $39
The over-limit fee is $39.
The Citi Cash Returns MasterCard Review
The Citi Cash Returns MasterCard Is known to be a very decent card with awesome cash-back rewards. The card functions admirably and even better than a balance-transfer card. You may fit the bill for a 0% balance transfer rate for up to a year and a half on the off chance that you have a decent credit history in any case, then 12 to seven months in the event that you have weaker credit.
The balance transfer fee is 3%, one of the lowest around. You earn five “CitiDollars” on all balance transfers over $1,500. For every purchase made, you earn 2% cashback for the initial half-year, then 1% subsequently, 5% back on average when you shop through Citi’s Bonus Cash center.
The Citi Cash Returns MasterCard permits you to earn the full reward on cash advances. The cash advance fee is 3%, and the APR is over 25%.
The Citi MasterCard card can be used for balance transfers or to earn rewards. It can not be used for both at the same time. Make transfers your balance for whatever length of time that you would then be able to begin earning cash-back rewards on purchases.