Citi Dividend Card – 5% Cash Back Categories for Q2 2016

The second quarter 5% cash back categories for the Citi Dividend Card has been published and is available for activation.

Citi Dividend Card

Citi Dividend Card

Earning Details: 5% cash back on up to $1,500 spent
Period: April 1 – June 30, 2016
Categories: Drug stores and fitness centers

Total cash back you can earn is $300 per calendar year.
Points will be applied only after 2 business days of when you enroll if enrolled after the quarter period has begun.
Points will expire after 12 months of inactivity.

Look in your email for a direct link, sign up by logging into your account, or activate via this link.

For your convenience here is a link to our 2016 Credit Card Benefits-At-A-Glance

Citi Dividend Card – 5% Cash Back Categories for Q1 2016

The first quarter 5% cash back categories for the Citi Dividend Card has been published and is available for activation.

Citi Dividend Card

Citi Dividend Card

Earning Details: 5% cash back on up to $1,500 spent
Period: January 1 – March 31, 2016
Categories: The Home Depot and home furnishing stores (Home furnishing stores are classified as merchants that primarily sell furniture for homes. Purchases made at warehouse clubs, supercenters and discount stores are not eligible for the additional cash back.)

Total cash back you can earn is $300 per calendar year.
Points will be applied only after 2 business days of when you enroll if enrolled after the quarter period has begun.

Look in your email for a direct link, sign up by logging into your account, or activate via this link.

For your convenience here is a link to our 2016 Credit Card Benefits-At-A-Glance

2016 Credit Card Benefits-At-A-Glance

Here is a list of credit cards listed alphabetically by bank and card name. The list will be updated periodically.

1st Financial Bank

1st Financial Bank Credit Card1st Financial Bank Logo

  • All categories: 2% cash back
  • Unlimited cash back, cash is applied directly to statement
  • Annual Fee: None

American Express

Blue Cash Everyday Card

  • Earn 3% cash back at supermarkets
  • Earn 2% cash back at gas stations
  • Earn 1% cash back on all other purchases
  • Free Monthly FICO credit score
  • Annual Fee: None Continue reading

Citi Dividend Card – 5% Cash Back Categories for Q4 2015

The fourth quarter 5% cash back categories for the Citi Dividend Card has been published and is available for activation.

Citi Dividend Card

Citi Dividend Card

Earning Details: 5% cash back on up to $1,500 spent
Period: October 1 – December 31, 2015
Categories: 5% Best Buy, and Department Stores

Look in your email for a direct link, sign up by logging into your account, or activate via this link.

For your convenience here is a link to our 2015 Credit Card Benefits-At-A-Glance

Citi Dividend Card – 5% Cash Back Categories for Q3 2015

The third quarter 5% cash back categories for the Citi Dividend Card has been published and is available for activation.

Citi Dividend Card

Citi Dividend Card

Earning Details: 5% cash back on up to $1,500 spent
Period: July 1 – September 30, 2015
Categories: Hotels & resorts within the Hilton Portfolio and airlines

Look in your email for a direct link, sign up by logging into your account, or activate via this link.

*Note: I had an issue with signing up for this using Firefox and Chrome but was able to using Safari.

For your convenience here is a link to our 2015 Credit Card Benefits-At-A-Glance

Citi Dividend Card – 5% Cash Back Categories for Q2 2015

The second quarter 5% cash back categories for the Citi Dividend Card has been published and is available for activation.

Citi Dividend Card

Citi Dividend Card

Earning Details: 5% cash back on up to $1,500 spent
Period: April 1 – June 30, 2015
Categories: The Home Depot, Home & Garden Stores

Look in your email for a direct link, sign up by logging into your account, or activate via this link.

“Home and garden stores are classified as merchants that primarily sell plants, flowers and related items and include florists, nurseries or landscaping service providers. Purchases made at warehouse clubs, super centers, and discount stores are not eligible for the additional cash back.”

For your convenience here is a link to our 2015 Credit Card Benefits-At-A-Glance

The Simple Cards – Capital One Quicksilver and Citi Double Cash Card

Here are two of what I call the “simple no brainer” credit cards. Get a good steady cashback without jumping and keeping track of crazy hoops.  Best of all they’re free to keep in your wallet so there’s no excuse to not get a consistent cashback for all your purchases.

Capital One Quicksilver Card

capitalquicksilver The Capital One Quicksilver Card offers a 1.5% cashback on all your credit card purchases. No rotating categories, just a consistent cashback. You can redeem your cashback in various amounts as a statement credit or a check. No need to wait for a specific value before you can redeem. A no annual fee credit card that’s also a Visa Signature card, so you can get the Visa Signature benefits/offers too. AND on top of all that, you can turn this into a dedicated travel card because there’s no foreign transaction fees.

The Quicksilver card is slightly different than it’s sister card the Quicksilver One card. The Quicksilver card requires a better credit where as the Quicksilver One card has an annual fee of $39 for people who have average credit.

Currently the Quicksilver card has a signup bonus of $100 after spending $500 in the first 3 months of account opening.

 

Citi Double Cash Card

citidoublecash The Citi Double Cash card is a new credit card that Citibank is offering. It has a slightly different cash back system. The Citi Double Cash card offers a 1% cashback on all purchases made on the card and then another 1% cashback when you make a payment. This card is for those with an average credit or even need to carry a balance. You’ll still earn the additional 1% cashback as long as you make your payments (though that might not work out in your favor with high interest rates.) But for those who always pay in full, this could be your steady 2% cashback credit card.

No annual fee but you can only start redeeming after earning a $25 cashback.

No special sign on bonuses right now but 2% cashback is too rare to come by now.
Anybody currently carrying these cards now? Please share your experiences with redemption and sign up promos.

The New Citi ThankYou Premier Card

Last month, I wrote about all the new changes in the Citi ThankYou Preferred and now I’m writing about the new Premier card. Sadly, the new card will undergo a complete facelift and all the benefits and perks of the card that I actually am willing to PAY an annual fee for are gone. And all this right after I just mention I used one of my perks on the card!

Citi ThankYou Premier Card

Citi ThankYou Premier Card

It’s not announced on the Citibank website yet, but I’ve received through paper mail a package regarding all the changes to the Citi ThankYou Premier card that I have. The new card benefits will take effect starting Oct 20, 2013 for all existing cardholders.

Just a quick recap, the existing card benefits with $125 annual fee are:

Continue reading

Don’t Let Valuable Points Go To Waste!

Just a quick reminder to all, Citibank normally has promotional offers for their card holders throughout the year. These offers are different from rotational category bonuses on some credit cards. These offers vary from time to time and are different for everyone. I’ve received a summer offer on my Citi TY Preferred Card for 4 extra bonus points on categories of gas stations, grocery stores, restaurants and drug store purchases. And after that ended, I received another offer for 4 extra bonus points at toy, electronics, computer and apparel stores!

Here’s a sample of the email I received:

So what does that mean? Keep a look out for your emails or paper mail and DON’T LET THOSE POINTS GO TO WASTE! It literally took me less than 30 seconds after clicking the “Enroll Now” link in the email. (5 TY points total is as good as getting 5% cashback in terms of reward cards).

My only complaint is that these promotional offers are non-transferable between other Citi cards that I own. I would have much preferred to take advantage of this promotional offer on the Citi Thank You Premier card that I’m paying an annual fee for! Hopefully enough people complain for Citibank to change their policy.

I’ve only seen such offers from Citibank, any other banks do the same?

Citi ThankYou Premier vs. Chase Sapphire Preferred

When my coworker asked for my opinion regarding which travel credit card to apply for, there was no question that I was hard selling the Citi ThankYou Premier (I’ve only listed the million card benefits here). But she brought up a new contestant: the Chase Sapphire Preferred card. So I thought it’ll be good idea to see how the new Chase Sapphire Preferred card would compare. So, let the duel begin!

Here’s a little chart to show the comparison:

Citi ThankYou Premier vs Chase Sapphire Preferred

Just by scanning both cards, the Chase Sapphire Preferred seems to be a better deal with it’s lower annual fee and the 2% equivalent cashback on all travel and restaurant purchases. But the Citi ThankYou Premier card definitely gives you more “bang for your buck” with it’s free domestic companion flight ticket and 15% off all flight travel purchases for you and your party! I can’t see how the Sapphire Preferred card can beat the Thank You Premier card in terms of being a travel friendly credit card. Even with it’s restaurant bonuses, there are so many credit cards available right now with no annual fee giving a 5% rotating restaurant bonus that it’s not even worth paying the $95 annual fee for a 2% cashback.

Do you have a “favorite” card to use? Leave a comment and share!