Citi is offering inflated, limited-time intro offers for select cards when you apply at your local Citi branch.
Citi is a CreditCards.com advertising partner.Great news for cash back lovers – one of the most competitive cards on the market might have just gotten a bit more valuable. The Citi® Double Cash Card – which comes with a top notch rewards rate of 1 percent cash back on everything you buy and an additional 1 percent when you pay off those purchases – is currently offering a limited-time sign-up bonus when you apply for the card in a Citi branch.
Applicants who apply at a participating Citi location can score a $100 statement credit for spending $500 in the first three months of account opening. Best of all, this bonus comes in tandem with the card’s standard introductory APR on balance transfers.
If you live near a Citi branch, you should definitely consider taking advantage of this offer. When you apply for the card any other way, you won’t be eligible for a sign-up bonus.
One of a few limited-time offers
In addition to the bonus on the Citi Double Cash Card, Citi is also offering a limited-time, increased intro offer on its Citi Rewards+℠ Card. When you apply in branch, you can earn 30,000 bonus points for spending $1,500 in the first three months of account opening. In comparison, applying for the card via CreditCards.com only earns 15,000 points for $1,000 spend in the first three months.
Like with the Double Cash, the special offer on the Citi Rewards+ comes in addition to the card’s standard intro APR on both purchases and balance transfers. But unlike the Double Cash, Citi Rewards+ applicants have the opportunity to make their intro bonus even bigger.
If you are a Citigold customer, you can earn an even higher bonus of 40,000 points after spending $2,000 in the first three months. Unfortunately, the requirements for Citigold are pretty steep – requiring a combined average monthly balance of $200,000 across eligible Citi accounts.
Which card is best for you?
Whether you prefer points or cash back, now is a great time to apply for either one of these Citi credit cards. These bonuses are only around for a limited time, and only if you apply in a Citi branch.
Nevertheless, you should ensure the card lines up with your spending before you jump at a flashy intro offer.
Citi Double Cash Card vs. Citi Rewards+ Card
|Sign-up bonus||None (unless you apply for the limited-time, branch-only offer)||15,000 points if you spend $1,000 in first 3 months (unless you apply for the limited-time, branch-only offer)|
|Other things to know|
Since neither one of these cards charges an annual fee, deciding which is best for you comes down to how you spend your money. The Citi Double Cash Card offers the same flat rate of cash back on every purchase you make – making it an ideal choice for cardholders who don’t spend heavily in any particular category. Plus, Citi recently added the option to convert Double Cash rewards into flexible ThankYou points.
On the flip side, the Citi Rewards+ card offers points on every purchase, with a higher rewards rate at supermarkets and gas stations. This card also comes with a unique round-up feature, that ensures you never earn less than 10 points on your purchases. This feature makes the card ideal for users who typically make smaller purchases on their credit card, as it offers the highest potential value on low-cost purchases.
Points or cash back, a flat rate or bonus categories – both of these cards offer plenty of value for the right kind of spender. Neither charges an annual fee, and the limited-time, in-branch sign-up bonuses offer a chance to bring in more rewards in the first few months.