Citi double cash vs......

[Anonymous]

First post, love this site btw!!  

I'm eyeing the Citi Double Cash card for the cash back rewards and the intro apr.  I'm not as educated as most of you on what is the best out there right now, so I'm bringing it to all of you guys/gals.  I currently have a few cards in my wallet at the moment.  I use my Disover it/chase freedom for the rotating reward catagories but would be nice to have a 2x reward for everyday purchases out of the catagories.  I'm also in need of a 0% apr for some stuff....have the cash but am hesitant bc I like to have a reserve for a rainy day.  Is there anything else out there right now that is better than the Citi Double Cash??  Amex have anything??  I know i'd like to have an Amex in my wallet but have never pulled the trigger.  Any input yall can give me would be awesome!!  Thanks.

[Anonymous]

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@Anonymous wrote:

First post, love this site btw!!  

I'm eyeing the Citi Double Cash card for the cash back rewards and the intro apr.  I'm not as educated as most of you on what is the best out there right now, so I'm bringing it to all of you guys/gals.  I currently have a few cards in my wallet at the moment.  I use my Disover it/chase freedom for the rotating reward catagories but would be nice to have a 2x reward for everyday purchases out of the catagories.  I'm also in need of a 0% apr for some stuff....have the cash but am hesitant bc I like to have a reserve for a rainy day.  Is there anything else out there right now that is better than the Citi Double Cash??  Amex have anything??  I know i'd like to have an Amex in my wallet but have never pulled the trigger.  Any input yall can give me would be awesome!!  Thanks.

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There are a handful of 2%+ cards around.

 Fidelity Amex (which runs on the Amex network but is not issued by Amex) is 2% back everywhere, if you deposit the reward to a free Fidelity account (which turns out to be a great checking account).  1% Foreign Transaction Fee, need minumum of $50 to redeem)

Double Cash: 1% after purchase, 1% after payment, minimum $25 to redeem, 3% FTF

Barclay Arrival Plus: 2.2% if redeemed for travel, no FTF but annual fee after first year.  Large sign up bonus.

While we have no experience yet of double cash, it's probably going to be the easiest to use, providing the rewards arrive promptly (i.e. in the next statement after payment for example)

[jsucool76]

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@Anonymous wrote:

First post, love this site btw!!  

I'm eyeing the Citi Double Cash card for the cash back rewards and the intro apr.  I'm not as educated as most of you on what is the best out there right now, so I'm bringing it to all of you guys/gals.  I currently have a few cards in my wallet at the moment.  I use my Disover it/chase freedom for the rotating reward catagories but would be nice to have a 2x reward for everyday purchases out of the catagories.  I'm also in need of a 0% apr for some stuff....have the cash but am hesitant bc I like to have a reserve for a rainy day.  Is there anything else out there right now that is better than the Citi Double Cash??  Amex have anything??  I know i'd like to have an Amex in my wallet but have never pulled the trigger.  Any input yall can give me would be awesome!!  Thanks.

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If you're going to make use of the card for 2% cash back, then go for it. Remember it is 1% when you purchase, 1% when you make a payment. 

And 0% intro APRs are great because of something like that, however, just make sure you don't run yourself into a rut and end up with a balance you can't pay off before the 0% runs out. That is where trouble lies. 

[PandiferBear]

Welcome to the forum! Can you give a little more info about your credit profile, such as FICOs and AAoA? Glad to have you here!

[Themanwhocan]

There is also the Bank of America Better Balance Rewards, for people with low spending. As well as JCB Marukai for those lucky enough to obtain one.

The Citi Double Cash, with its lower redemption requirements, is probably the best 2% card for pure cash back, provided you don't specifically need a card on the American Express network.

[Anonymous]

Thanks for the replies so far, keep them coming guys!!  ;-)

Also, I should have put this up in the first post but here goes......

I'm really not sure of my AAOA, probably not more than a few years though.

EQ 760

EX Plus 748

TU from discover statement 753

[Anonymous]

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@Anonymous wrote:

Thanks for the replies so far, keep them coming guys!!  ;-)

Also, I should have put this up in the first post but here goes......

I'm really not sure of my AAOA, probably not more than a few years though.

EQ 760

EX Plus 748

TU from discover statement 753

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Join Credit Karma, which is free, they will tell you, among other things....

[-Cal-]

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@Anonymous wrote:

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@Anonymous wrote:

Thanks for the replies so far, keep them coming guys!!  ;-)

Also, I should have put this up in the first post but here goes......

I'm really not sure of my AAOA, probably not more than a few years though.

EQ 760

EX Plus 748

TU from discover statement 753

---

Join Credit Karma, which is free, they will tell you, among other things....

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Credit Karma's AAoA is not real. It only accounts for active accounts where FICO's AAoA includes all accounts that shows on your credit report. You can aggregate all of your accounts open dates based on your report (TU is free on CK) and calculate them here http://seemly.com/aaoa-calculator/. 

[Anonymous]

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@-Cal- wrote:

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@Anonymous wrote:

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@Anonymous wrote:

Thanks for the replies so far, keep them coming guys!!  ;-)

Also, I should have put this up in the first post but here goes......

I'm really not sure of my AAOA, probably not more than a few years though.

EQ 760

EX Plus 748

TU from discover statement 753

---

Join Credit Karma, which is free, they will tell you, among other things....

---

Credit Karma's AAoA is not real. It only accounts for active accounts where FICO's AAoA includes all accounts that shows on your credit report. You can aggregate all of your accounts open dates based on your report (TU is free on CK) and calculate them here http://seemly.com/aaoa-calculator/. 

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I heard that story about CK, but that is not what happened to me.  Until recently, all my accounts were active in CK, then I closed one and my AAoA at CK did not change one iota.  Maybe, and I say maybe, because I don't know if that is even true, if you join CK with closed accounts, it doesn't count them from the beginning.  But, if they were active when you joined and they become closed, nothing changes.  That is my VERY RECENT experience.