How to Make the Most of Your Citi Cashback Card

Get Cash Back How to Make the Most of Your Citi Cashback Card

How to Make the Most of Your Citi Cashback Card

Everybody likes receiving rewards and money for purchases they planned to make anyway, which is why Citi cashback credit cards remain so popular. Before signing up for a cashback credit card, however, you should understand the type of cashback rewards it offers, and whether the card in question provides enough benefits to justify its use. One of the most popular Citi cashback credit cards is the Citi Double Cash Card, which allows you to earn 2% cashback on everyday purchases.

Learn more on how cashback cards work, and how DoNotPay can help you get the most of your credit card rewards, below.

What Does Cash Back on Credit Cards Mean?

Credit cards that offer cashback rewards allow you to earn a small percentage of your purchases back as cash. Many credit cards offer 1.5% or 2% on purchases, so if you spend $100 using your credit card, you can get $1.5 or $2 back as a reward. For many cards, these rewards are automatically applied, though you have to manually redeem them for gift cards or reimbursements on credit card purchases.

Many people feel understandably leery about using credit cards because getting cash back seems too good to be true. Responsible credit card use can be incredibly rewarding, especially compared to other payment methods that offer no rewards. Here are some hallmarks of responsible credit card use:

  • Paying your full balance every month by the due date
  • Not spending more on your credit card than what you can pay
  • Double check your credit card statements regularly

Which Citi Credit Cards Offer Cash Back?

Citi offers four credit cards that specifically offer cashback as rewards. Here is a handy table that outlines which types of cashback rewards you can get:

Citi Custom Cash CardEarn 5% cashback on purchases within specific categories
Earn 1% cashback on all other purchases
Citi Double Cash CardEarn 2% cashback on your purchases
Earn 1% when you buy and 1% more when you pay
Costco Anywhere Visa Credit Card by CitiGet 4% cashback on purchases from Costco stores
3% cashback on eligible restaurant and travel purchases, 1% on all other purchases
Costco Anywhere Visa Business Credit Card by CitiGet 4% cashback on purchases from Costco stores
3% cashback on eligible restaurant and travel purchases, 1% on all other purchases

All of the above are quality choices when looking for a cashback credit card, but the best option for one person or family might not yield as many benefits as a different one for a different individual or family. Carefully consider the above cards and review the fine print before committing to one.

How to Apply for a Citi Cash Back Card

Applying for a Citi cashback credit card isn't too difficult- just follow these steps:

  1. Locate the cashback credit card options on the Citi website.
  2. Carefully review the terms and decide which one is right for you.
  3. Select the blue "Learn More & Apply" button on the right side of your preferred card.
  4. Hit the blue "Apply Now" card on the right side to begin the application.
  5. Follow the on-screen prompts, or apply by phone by calling 1-800-362-0526.
  6. Wait to see if you are deemed eligible.
  7. If your application is accepted, accept the offer terms and receive your card in the mail.

Try to only apply for one card at a time, as applying for multiple credit cards at once can negatively impact your credit score. If your application for your favorite choice is denied, you can try applying for another Citi cashback card with less strict terms.

Get Cash Back From a Cashback Credit Card Easily With DoNotPay

There are hundreds of options for cashback credit cards out there, and it can be daunting to try to choose the best one for you without giving up your personal information to too many companies. Fortunately, DoNotPay can help you narrow down the search with the Get Cash Back tool. Give it a try by following these three simple steps:

  1. Search for Cash Back on the DoNotPay website.

     

  2. Kick-off the process to find the right app or website for you.

     

  3. Answer some specific questions so that we can help you start making money!

     

When you submit your request, DoNotPay will give you a list of the best cashback credit card rewards for you. No more sifting through long documents of legal jargon and comparing your top choices. Simply hit submit, and we'll do the rest.

What Else Can DoNotPay Do for Me?

DoNotPay can also help you with other cashback inquiries such as:

Besides helping you save time and money by investigating cashback credit cards on your behalf, DoNotPay was designed to help you with all kinds of other important tasks, like:

If you're ready to see all the tasks that DoNotPay can do for you with just a few clicks, visit our website today!

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