There are plenty of other credit cards that do offer bonus rewards in specific categories, though. If you’re looking for a rewards credit card with bonus categories, a good place to start your search is WalletHub’s list of the best rewards credit cards.
You won’t know your actual credit limit until you’re approved for your Citibank credit card. The limit you get depends on your credit standing, income and debt. If you don’t get the credit limit you want, you can choose not to open the account. Or, if you decide to accept the limit that’s offered, you can always request a credit limit increase after you’ve made several months of on time payments.
Nearly all Citi Double Cash purchases are eligible for cash back rewards. They include groceries, gas, dining and entertainment, travel expenses and more. The Double Cash card offers 2% cash back on those purchases. It gives 1% cash back on the initial purchase, plus an additional 1% when the bill is paid. There are no category restrictions and no limits on cash back earnings.… read full answer
There are, however, a number of Citi Double Cash purchases and transactions that are not eligible for rewards. For example, money orders, items purchased and returned for credit, and loading/reloading balances on prepaid cards or gift cards will not earn rewards. Nor will lottery ticket purchases or related betting transactions. In addition, there are no rewards for certain transactions and charges such as balance transfers, cash advances (including convenience checks), fees and interest.
Redeeming Citi Double Cash rewards comes with a catch, too. You must have at least $25 in rewards before you can redeem. Once you’ve earned $25 or more, you can redeem cash back rewards for a check, statement credit or direct deposit. You can also convert cash back rewards to Citi ThankYou points to expand your redemption options. Citi Double Cash rewards will expire if you have not earned any cash back for 12 consecutive months. If your account is closed for any reason, you will lose any unredeemed cash back rewards.
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