City Card Rewards And Benefits

City Card Rewards And Benefits


The no-annual-fee City Card appears appealing as a first rewards card. On top of that, you’ll get 2 ThankYou Points for dollar spent at supermarkets and gas stations, and 1 ThankYou Point per dollar spent on everything else. Plus, earn 5 ThankYou Points per dollar on air travel and hotel stays up to $6,000 in the first 12 months. That it rounds up to the nearest ten points on every purchase may have you subconsciously adding up your future points possibilities. A welcome bonus: 3 months to earn 20,000 bonus points redeemable for $200 in thankyou.com gift cards. This article outlines the City Card Rewards And Benefits.

Watch the below video on City Card Rewards And Benefits:

All purchases rounded to the nearest ten reward points. 10% bonus on the first 100,000 points redeemed annually. 

No more shifting categories. 

Cons 

* Foreign transaction charge 

* High balance transfer cost 

* Annual $6,000 spending cap on 2x points category 

Snapshot 

* No annual fee * Earn 20,000 bonus points after spending $1,500 in 3 months, redeemable for $200 in thankyou.com gift cards. 

* Earn 2 ThankYou Points every dollar spent in supermarkets and gas stations and 1 ThankYou Point per dollar spent on all other eligible purchases. Plus, earn 5 ThankYou Points per dollar on air travel and hotel stays up to $6,000 in the first 12 months. 

* 10% back on your first 100,000 ThankYou® Points redemptions every year 

Earning Rewards For the City Card: 

* Earn 2 ThankYou Points every dollar spent in supermarkets and gas stations and 1 ThankYou Point per dollar spent on all other eligible purchases. Plus, earn 5 ThankYou Points per dollar on air travel and hotel stays up to $6,000 in the first 12 months. 

See also  Navy Federal Credit Card Application, Offers And Requirements 

* Always round up to the nearest 10 points—no cap

* Get 10% back on your first 100,000 ThankYou® Points redemptions per year. 

It also has a bonus: 3 months to earn 20,000 bonus points redeemable for $200 in thankyou.com gift cards. 

Using Rewards 

Hold hold tight, this card’s redemptions are tough. The value of Citi Incentives+ rewards varies depending on how they are used. Your ThankYou points can be exchanged for: 

Points are worth a quarter as a statement credit. 

There are 10 different redemption options. 

* Get a check mailed to you for half a penny each point. Redeemable in $50 and $100 increments, with a 180-day check validity. 

* Points are worth 0.88 cents when applied to a qualifying purchase. The value is 0.8 cents per point, but you earn 10% back on your first 100,000 ThankYou Points redeemed per year. For a mortgage or student loan payment – You can exchange your points for one penny apiece. This can only be done over the phone with a City employee. 

0% introductory rates 

The City Rewards+ offers the following: 0% intro APR on debt transfers for 15 months and purchases for 15 months. The APR will thereafter range from 13.49 to 23.49 percent depending on your creditworthiness. There is a 3 percent initial balance transfer fee or $5 minimum within the first 4 months after account opening. After that, 5% of each balance transfer (minimum $5) applies. 

Pre-sale tickets and exclusive experiences are available through City Entertainment . 

* City Concierge: A team of experts is available to assist with a variety of tasks. 

* 10% back on all redemption options for the first 100,000 ThankYou Points each year 

See also  Harbor Freight Credit Card Benefits 

Fine Print Rates 

* Regular APR: 13.49-23.49% (Variable) 

* Purchase Intro APR: 0% for 15 months Fees: 

* Balance Transfer Fee: 5% of each transfer ($5 minimum) if accomplished after 4 months of account establishment 

* Cash Advance: 5% of each cash advance; $10 minimum 

City Card Rewards And Benefits: Conclusion 

The City Card Card isn’t bad, but there are other options that add up to more. Unless you’re a die-hard Citi fan or only want a ThankYou points addendum for an existing City rewards card, go for a card that offers more.

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