topic Re: Citi Cards in Credit Cards

Citi Cards

corymcd88 — Fri, 25 Aug 2017 20:59:06 GMT

I just PC my Double Card to Citi Dividend WEMC what is the difference?

Re: Citi Cards

creditfan — Fri, 25 Aug 2017 21:26:50 GMT

DC 2% for everything

dividend 5% for selected categories every 3 months

is there anything else?

Re: Citi Cards

MrDisco99 — Sat, 26 Aug 2017 00:32:29 GMT

What end-of-market Citi cards are still available for PC?

Re: Citi Cards

corymcd88 — Sat, 26 Aug 2017 00:41:34 GMT

@MrDisco99 wrote:
What end-of-market Citi cards are still available for PC?

The card sounds like a Freedom / Discover w/ $350,00 rewards cap each quarter that is fine I don't spend too much.

Re: Citi Cards

wasCB14 — Sat, 26 Aug 2017 01:05:03 GMT

@corymcd88 wrote:
@MrDisco99 wrote:
What end-of-market Citi cards are still available for PC?
The card sounds like a Freedom / Discover w/ $350,00 rewards cap each quarter that is fine I don't spend too much.

I think the cap is $300 total...across 5% and 1% spend. I'm not sure if there is a quarterly cap, too.

The Dividend categories also have a reputation for being somewhat less useful than those of Freedom and Discover.

Re: Citi Cards

Ghoshida — Sat, 26 Aug 2017 19:27:09 GMT

The Citi Dividend card is a bit unique.

On the minus side, it has a $300 cap on total annual cashback earnings, not only 5% but 1% too. Practically, after you have earned $300 for the year, there's no more point in using the card any more.

Not everyone finds the categories useful. But that doesn't mean it's not useful.

For example, last quarter, it offered 5% on drugstores. Even if you don't spend a ton of money on medicines, it's not difficult to grab a few gift cards, including some for the drugstore itself for future use.

This quarter, it's offering 5% on Hilton and airfare. I don't know of many zero AF cards that offer 5% on airfare, ever. US Bank used to do it on its Cash+ but that's a few years ago. Folks often book air tickets a few months in advance, especially those who book leisure travels. Should be a no-brainer

Now, for the biggest plus.

The category bonus can be earned all in one quarter. So, if you find a quarter that you like, unlike Chase Freedom or Discover It, you can spend all of the $6000 in one shot, get the $300 bonus, and be done with it. With categories like drugstore and airfare, it's definitely a possibility.

Still, it may not fit the bill of many. For the ones that find good use of the categories, it's a pretty good card.

Also, 6-monthly SP CLI is almost guaranteed. Not sure about that on other Citi cards like the DC. If it's a Citi-wide policy, this will not impact much.

Re: Citi Cards

corymcd88 — Sun, 27 Aug 2017 01:44:56 GMT

@wasCB14 wrote:
@corymcd88 wrote:
@MrDisco99 wrote:
What end-of-market Citi cards are still available for PC?
The card sounds like a Freedom / Discover w/ $350,00 rewards cap each quarter that is fine I don't spend too much.
I think the cap is $300 total...across 5% and 1% spend. I'm not sure if there is a quarterly cap, too.

The Dividend categories also have a reputation for being somewhat less useful than those of Freedom and Discover.

It's not my only card, if it was my only card then the cap would be to worry about.

Re: Citi Cards

K-in-Boston — Sun, 27 Aug 2017 02:01:15 GMT

@Ghoshida wrote:
The Citi Dividend card is a bit unique.

On the minus side, it has a $300 cap on total annual cashback earnings, not only 5% but 1% too. Practically, after you have earned $300 for the year, there's no more point in using the card any more.

Not everyone finds the categories useful. But that doesn't mean it's not useful.

For example, last quarter, it offered 5% on drugstores. Even if you don't spend a ton of money on medicines, it's not difficult to grab a few gift cards, including some for the drugstore itself for future use.

This quarter, it's offering 5% on Hilton and airfare. I don't know of many zero AF cards that offer 5% on airfare, ever. US Bank used to do it on its Cash+ but that's a few years ago. Folks often book air tickets a few months in advance, especially those who book leisure travels. Should be a no-brainer

Now, for the biggest plus.

The category bonus can be earned all in one quarter. So, if you find a quarter that you like, unlike Chase Freedom or Discover It, you can spend all of the $6000 in one shot, get the $300 bonus, and be done with it. With categories like drugstore and airfare, it's definitely a possibility.

Still, it may not fit the bill of many. For the ones that find good use of the categories, it's a pretty good card.

Also, 6-monthly SP CLI is almost guaranteed. Not sure about that on other Citi cards like the DC. If it's a Citi-wide policy, this will not impact much.

I honestly wish I could give you more than 1 kudo for this. It's not a card that makes sense for everyone. I was considering doing a PC from Diamond Preferred to Dividend in the future but wasn't sure how much I would end up using it since I have both Chase Freedom and Discover it. I think you just sold the card well to me. Just knowing that I could max it all out in one shot for the year could potentially be great for me. The problem I run into often is that $1500 in a quarter for restaurants? Yeah, no problem even for a quarter like this where both cards have restaurants. But $1500 in gas (or even gas and public transit)? No way. My family spends $120 in fuel a month, tops. I know the categories can sometimes be a bit quirky in comparison to the similar 5% cards; too bad private school tution and daycare aren't among them. LOL

Re: Citi Cards

Anonymous — Sun, 27 Aug 2017 02:05:10 GMT

The min redemption of rewards for Dividend is $50 while for DC it's $25.

Re: Citi Cards

Anonymous — Sun, 27 Aug 2017 11:23:06 GMT

Good topic and postings. A few years back I p/c'ed to the Citi Dividend Card when their quarterly categories were more general market. Keep thinking of letting it go but the CL is over $10K and it is a WEMC and they love to let me know all the benefits. Also, I have been able to use some of the 5% quarters so with a no AF I have kept it. Also, have a CIti DC and see no other Citi Card that would fit my spend today (note I am evr watching for new offerings - used to have the Citi Forward VS Card but like Barclays Sallie Mae it is gone for me).

Re: Citi Cards

happypill — Sun, 27 Aug 2017 16:21:11 GMT

Is the only way to get this card via PC?

Re: Citi Cards

K-in-Boston — Mon, 28 Aug 2017 00:26:39 GMT

Yes. Closed to new apps for a while now.