Regret getting double cash card.

[Anonymous]

Waste of a pull imo. Failed to understand the rewards prior to app.

Ok so 1% after billing statement closes.

1% after paid.

Cool.

However im reading it can take another billing statement for the 1% from payment to appear. 

Then you need $25 to redeem. Seems like its going to take a while to cash in my rewards. Am i right?

I feel like im better off using the quick silver now.

[Anonymous]

This has been a gripe of DC cardholders for a while now.  For those that PIF right away every time and don't mind getting their rewards in increments (like Amex) it isn't a big deal... but some simply like the immediate CB opportunity like the QS you mentioned, Blispay, etc.

[creditfan]

your 2% cashback is here https://www.firstnational.com/site/personal/credit-card/visa/visa-cashback.fhtml

[BirchBarlow]

With the reward structure, the bonus malls, and purchase/price protection benefits, the Discover and Freedom Unlimited both offer more value than Citi DC.  The DC only sounds better because it's a 2% flat rate.  I also wish I hadn't burned an inq on Citi DC, it's turned out to be my least valuable card, but oh well live and learn.

[SunriseEarth]

With low SLs, high APRs, and a less-than-ideal rewards program, there's definitely a few people who have issues with Citi DC.   I use it right now as my non-category spend, but only because I use my Blispay for promo purchases.   Once my promos are cleared, I may return to using Blispay for gen spend.

[Anonymous]

Does it really matter when you get rewards as long as you're getting them? But yeah that card has never really been that appealing to me either..

[Anonymous]

It is one of my least favorite cards. Discover is soooo much better and so is Bank of America Rewards if you have a Benk of America account. I get from $30-$50 a month on Discover and about $30 monthly on my BofA Rewards. All my rewards go into savings. This has been a very good year. I am re-evaluating my cards as to value and DC is close to the bottom. Just my two cents. Everyone has a different point of view.

[Anonymous]

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@SunriseEarth wrote:

With low SLs, high APRs, and a less-than-ideal rewards program, there's definitely a few people who have issues with Citi DC.   I use it right now as my non-category spend, but only because I use my Blispay for promo purchases.   Once my promos are cleared, I may return to using Blispay for gen spend.

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I got a low 5700 SL and the 13 APR, but damnit i shouldnt have pulled the trigger. 

[kdm31091]

I'm not the most patient, so for me the DC structure is annoying because unless you pay before your statement closes, it will be two months before you get your 2%. Others have that view of "who cares,  as long as you eventually get the 2%?". Neither view is wrong but I could see why the structure annoys someone.

[Anonymous]

I prefer to redeem in amounts of $100 or more, as it feels like Im actually getting something back.. so the increments don't bother me.. I also dont really care if I've got to wait an extra billing cycle..as long as I get them.. That said, I love my DC.. it's my non-cat spend card.. my recurring bills go on my PCMCU Plat Rewards @5% up to $1k/mo, I use the rest of my cards for categories that either stay the same or rotate based on the card, and the DC for everything else.