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I heard some posters say it's bad while others say it's good. I just want to know the community's opinion before I apply.
@Subexistence wrote:I heard some posters say it's bad while others say it's good. I just want to know the community's opinion before I apply.
Some people swear by the card and think it's great.
My opinion is it's ok for purchases but way overrated because:
1. first 1% delayed until statement after purchase
2. second 1% delayed until statement after payment
3. redemption minimum of $25
4. low starting limits
5. hard to get CLI's, usually no soft pull opportunity
6. no balance transfer opportunities after first 30 days
7. high interest & high fees
8. foreign transaction fees
From what I've read on many comments, the DC seems to be the go-to card for Citi.
It's sort of the benchmark that other general spend rewards cards are compared to: "is this better than just swiping Double Cash for an easy 2%"?
It's easy to get the cash and easy to use (Mastercard). There are some minor roadblocks mentioned above, but those probably keep the card viable. It is a good card for unbonused spend.
@SouthJamaica wrote:
@Subexistence wrote:I heard some posters say it's bad while others say it's good. I just want to know the community's opinion before I apply.
Some people swear by the card and think it's great.
My opinion is it's ok for purchases but way overrated because:
1. first 1% delayed until statement after purchase
2. second 1% delayed until statement after payment
3. redemption minimum of $25
4. low starting limits
5. hard to get CLI's, usually no soft pull opportunity
6. no balance transfer opportunities after first 30 days
7. high interest & high fees
8. foreign transaction fees
And as others have said before, 5 at least must be YMMV. SP CLIs on DC are not an issue for me.
You have to also compare to alternatives. Blispay is probably the strongest contender but has no auto-pay and some are not sure about long-term viability. Fideltiy Visa gives 2% at statement after purchase, but has a $50 redemption minimum.
@SouthJamaica wrote:
@Subexistence wrote:I heard some posters say it's bad while others say it's good. I just want to know the community's opinion before I apply.
Some people swear by the card and think it's great.
My opinion is it's ok for purchases but way overrated because:
1. first 1% delayed until statement after purchase
2. second 1% delayed until statement after payment
3. redemption minimum of $25
4. low starting limits
5. hard to get CLI's, usually no soft pull opportunity
6. no balance transfer opportunities after first 30 days
7. high interest & high fees
8. foreign transaction fees
Some people might have issues with what SouthJamaica stated and I can understand why. The card either works for you or it doesn't.
- As far as the delay on the rewards fortunately that's not money I need to pay bills, so I'm ok with waiting.
- My SL was $9k and I've been getting SP CLI's with Citi on my accounts at the 6 month mark.
- This is an everyday rewards card so I don't use for BT's even though I got the 18mo 0% offer.
- Interest rate doesn't matter since I pay the account in full always.
- Most of my international trips are to Canada and I use my Amex Platinum/SPG. No issues with acceptance. Most people don't travel internationally often.
Edit: Last year I bought an item the week before Black Friday. The item went on sale for $150 less, submitted a Price Rewind and within 10 days my account was credited.