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Anyone have any experience with this card? My girlfriend got a pre-approval in the mail for it. I believe its 1% cash back on everything with bonus 5% back on special catagories. sounds just like the Discover More. oh, and 0% for 15 months. Do you have to jump through hoops to redeem the cash back with the Citi Dividend?
This would be her first cc.
Thanks
I have this card. It is similar to the Chase Freedom card (1% cash back, with rotating 5% special categories). Cash out minimum is $50 in the form of a check and a max of $300 back a year. The "unlimited" only applies to purchases through the Citi Bonus Cash Center. Chase is easier to redeem - $20 minimum and you can apply it as a statement credit on a specific item.
so, comparing this to lets say a Cap one No Hassle cash rewards card no AF, which would you guys pick?
I dont think there is a limit on cash back on the Cap one is there? What about the Discover More, Is it .25 back for the first $3000 like there
Motiva/open road cards? any cash back limit on the Discover more?
I have Citi Dividend Platinum and a Cap One card with cashback (see below). I like both actually.
With Citi Div. Platinum, you get 5% cashback for first six months, 2~5% on rotating category, 1% otherwise.
--- It offers virtual credit card number. You can generate virtual credit card number for phone/internet purchase, so you don't have to give out the real number. Plus these virtual numbers are 1 shop use only, and expire in 1 month.
--- Also offers MasterCard paypass, though not embedded physically in the card itself.
--- High threshold for redemption, $50 minimum to redeem checks.
--- Cashback is posted on next statements.
With Cap 1 No Hassle, you get 2% on grocery/gas, 1% otherwise.
--- No threshold for redemption, redeem at any time.
--- You get cashback as soon as the purchase is posted.
--- CS is really bad. Call backdoor number if you need assistance.
--- Random CLI.
Unless you shop a lot online, I would skip Discover More. It is either Citi Div. Platinum or Chase Freedom.