Citibank – CardBenefit https://www.cardbenefit.com Compare and Apply for Best Credit Cards at CardBenefit Tue, 18 Aug 2026 16:11:33 +0000 en-US hourly 1 Best Cash Back Credit Cards for Small Business Owners https://www.cardbenefit.com/best-cash-back-credit-cards-for-small-business-owners/ https://www.cardbenefit.com/best-cash-back-credit-cards-for-small-business-owners/#respond Mon, 20 Jul 2026 12:35:49 +0000 https://www.cardbenefit.com/?p=20907 Business credit cards with cash rewards on purchases can help small business owners save money. If you want straightforward rewards without managing travel points., cash back cards can reduce everyday expenses through rewards.

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Advantages of Cash Back Credit Cards

Cash back credit cards reward you with a percentage of your everyday purchases, making them one of the simplest and most flexible ways to save money. They typically earn 1% to 5% cash back on eligible purchases, with many cards offering higher rewards in categories such as groceries, gas, dining, or travel. Rewards can usually be redeemed as statement credits, direct deposits, checks, or gift cards. Many top cash back cards have no annual fee.

Cash Back Business Credit Cards

Here are a few best business credit cards that offer cash rewards. In addition, they give new card members top sign-up bonuses and rewards on business purchases.

Cash Back Business Credit Cards

Credit CardBonus, Rewards, 0% APRAnnual Fee
Ink Business Unlimited Credit Card

Ink Business Unlimited® Credit Card

  • $750 $1,000 bonus cash back after you spend $8,000 on purchases in the first 4 months from account opening
  • Unlimited 1.5% cash back on every purchase made for your business
  • 0% on purchases for 12 months
    (rates & fees)
  • $0
    Ink Business Cash Credit Card

    Ink Business Cash® Credit Card

  • $750 $1,000 when you spend $8,000 on purchases in the first four months after account opening
  • 5% cash back at office supply stores and on internet, cable and phone services each account anniversary year on the first $25,000 in combined spend
  • 2% cash back on dining and gas each account anniversary year on the first $25,000 spent in combined spend.
  • 1% cash back on all other purchases with no limit to the amount you can earn.
  • 0% on purchases for 12 months
    (rates & fees)
  • $0
    Graphite Business Cash Unlimited Card

    Graphite™ Business Cash Unlimited Card

  • $1,500 Cash Back in the form of Reward Dollars after you spend $50,000 in purchases on your new Card within the first 6 months of Card Membership. Reward Dollars can be redeemed as statement credits and at Amazon.com checkout.
  • Start saving while you spend. Get unlimited 2% cash back* in Reward Dollars on all eligible purchases. *Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
  • Get more for your travels with 5% cash back* on flights and prepaid hotel bookings through American Express Travel Online. Purchases eligible for multiple cash back rates will only receive the highest eligible cash back rate.
  • $295
    rates & fees
    The American Express Blue Business Cash Card

    The American Express Blue Business Cash™ Card

  • $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
  • 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.
  • 0% on purchases for 12 months from date of account opening. After the intro period ends, the go-to rate of 16.74% - 28.49% variable applies.
    (rates & fees)
  • $0
    Costco Anywhere Visa Business Card by Citi

    Costco Anywhere Visa® Business Card by Citi

  • 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter.
  • 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel.
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • $0
    rates & fees

    Cash Back Personal Credit Cards

    Small business owners may use personal credit cards to pay for business expenses and get reimbursed by the business later. In this way, business owners can take advantage of exclusive benefits or perks offered by some personal cards. Here are a few cash back personal cards with excellent rewards.

    Cash Back Personal Credit Cards

    Credit CardBonus, Rewards, 0% APRAnnual Fee
    Blue Cash Preferred Card from American Express

    Blue Cash Preferred® Card from American Express

  • As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership.
  • 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
  • 0% on purchases for 12 months. After the intro period ends, the go-to rate of 19.49% - 28.49% variable applies.
    (rates & fees)
  • $0 intro annual fee for the first year, then $95.
    Citi Double Cash Card

    Citi Double Cash® Card

  • $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
  • 0% on balance transfers for 18 months. After the intro period ends, the go-to rate of 18.24% - 28.49% (variable) applies.
    (rates & fees)
  • $0
    Blue Cash Everyday Card from American Express

    Blue Cash Everyday® Card from American Express

  • As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership.
  • 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
  • 0% on purchases and balance transfers for 15 months. After the intro period ends, the go-to rate of 19.49% - 28.49% variable applies.
    (rates & fees)
  • $0
    Chase Freedom Unlimited

    Chase Freedom Unlimited®

  • $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
  • 0% on purchases and balance transfers for 15 months
    (rates & fees)
  • $0
    Chase Freedom Rise

    Chase Freedom Rise®

  • Limited Time Offer - Earn 3% cash back on dining at restaurants, including takeouts and eligible delivery services, on up to $6,000 spent in the first 6 months from account opening.
  • Increase your approval chances - Having a Chase checking or savings account with a balance of at least $250 will increase your chances of getting approved for Chase Freedom Rise
  • Cash Back - With Chase Freedom Rise, you can establish credit while earning 1.5% cash back on all purchases. Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • $0
    rates & fees
    Costco Anywhere Visa Card by Citi

    Costco Anywhere Visa® Card by Citi

  • 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter.
  • 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel.
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • $0
    rates & fees

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    AT&T Points Plus® Card from Citi https://www.cardbenefit.com/att-points-plus-card-from-citi/ https://www.cardbenefit.com/att-points-plus-card-from-citi/#respond Tue, 09 Jun 2026 09:54:34 +0000 https://www.cardbenefit.com/att-points-plus-card-from-citi/ AT&T Points Plus® Card from Citi offers $200 bonus after qualified spending. Cardholders can receive a $10 per line monthly discount on AT&T wireless bill and a $10 monthly discount on eligible AT&T internet bill when enrolled in AutoPay and paperless billing at AT&T. Cardholders can also earn a $20 statement credit each billing cycle after spending $1,000 or more on purchases, which adds up to $240 a year. It also offers 3 ThankYou® rewards points for each dollar spent spent at gas and EV charging stations, and 2 points for each dollar spent at grocery stores and on AT&T products and services, and 1 point for every dollar spent on all other purchases.

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    Card Issuer
    Citibank
    Network
    Mastercard
    Card Category
    Rewards, No Annual Fee
    Required Credit
    Good
    Rate this card:  

    Benefits Summary
    Bonus Rewards
    Earn a $200 statement credit after you spend $1,000 on purchases in the first 3 months of account opening. Earn a $20 statement credit on your AT&T Points Plus® Card from Citi each billing cycle after you spend $1,000 or more on purchases. That's up to $240 a year!
    Rewards
    Earn 3 ThankYou® Points for every $1 spent at gas and EV charging stations. Earn 2 ThankYou® Points for every $1 spent at grocery stores and 2 ThankYou® Points for every $1 spent on AT&T products and services. Earn 1 ThankYou® Point for every $1 spent on all other purchases. Earn unlimited points that do not expire and redeem them your way. Choose from gift cards, travel rewards, online shopping at participating merchants and more.
    Extra Benefits

    • Earn a $200 statement credit after you spend $1,000 on purchases in the first 3 months of account opening.
    • Earn a $10 per line monthly discount on your AT&T wireless bill and a $10 monthly discount on your eligible AT&T internet bill when enrolled in AutoPay and paperless billing at AT&T.
    • Earn a $20 statement credit on your AT&T Points Plus® Card from Citi each billing cycle after you spend $1,000 or more on purchases. That's up to $240 a year!
    • Earn 3 ThankYou® Points for every $1 spent at gas and EV charging stations.
    • Earn 2 ThankYou® Points for every $1 spent at grocery stores and 2 ThankYou® Points for every $1 spent on AT&T products and services.
    • Earn 1 ThankYou® Point for every $1 spent on all other purchases.
    • Earn unlimited points that do not expire and redeem them your way. Choose from gift cards, travel rewards, online shopping at participating merchants and more.
    • No Annual Fee.
    Intro APR
    N/A
    Intro APR Period
    N/A
    Regular APR
    19.49% - 27.49% (Variable)
    Annual Fee (rates & fees)
    $0

    Featured Credit Cards from Our Partners for Rewards, No Annual Fee

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    Best Rewards Credit Card of August 2026 https://www.cardbenefit.com/best-rewards-credit-card/ https://www.cardbenefit.com/best-rewards-credit-card/#respond Thu, 03 Apr 2025 16:37:09 +0000 https://www.cardbenefit.com/?p=20526 Chase is offering Chase Sapphire Preferred® Card, which gives out a rich bonus of 100,000 points, redeemable for $1,250 in travel rewards at Chase Travel. You can earn up to 5 points per dollar spent on travel, 3 points per dollar on dining and online groceries. The card has no foreign transaction fees, which saves you money when you travel abroad.

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    Chase Sapphire Preferred® Card: $750 Bonus + $100 Annual Hotel Credit

    Chase is offering Chase Sapphire Preferred® Card, which gives out a rich bonus of 75,000 points, redeemable for $750 in cash rewards at Chase Travel. In addition, it gives out $100 Annual Chase Travel Hotel Credit. You can also earn up to 5 points per dollar spent on travel, 3 points per dollar on dining and online groceries. The card has no foreign transaction fees, which saves you money when you travel abroad.

    • Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
    • Enjoy benefits such as 5x on travel purchased through Chase Travel, 3x on dining, 3x on vacation homes, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases
    • Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Emergency Evacuation and Transportation and more
    • Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $156.
    • Complimentary DashPass which unlocks $0 delivery fees & lower service fees for 12 months when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
    • Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck® or NEXUS application.
    • Transfer points to leading airline and hotel loyalty programs
    • Member FDIC
    Intro APR
    N/A
    Intro APR Period
    N/A
    Annual Fee (rates & fees)
    $95
    Credit Needed
    Good to Excellent

    Alternative Rewards Credit Cards

    Many other credit cards are also offering rewards or cash back on everyday purchases. Some cards give out a rich bonus too. Here are a few credit cards that offer good rewards and bonus.

    Rewards Credit Cards

    Credit CardBonus and RewardsAnnual Fee
    Citi Strata Premier Card

    Citi Strata Premier® Card

  • 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
  • 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
  • 1 Point per $1 spent on all other purchases
  • $95
    rates & fees
    Citi Double Cash Card

    Citi Double Cash® Card

  • $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
  • $0
    rates & fees
    Blue Cash Preferred Card from American Express

    Blue Cash Preferred® Card from American Express

  • As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership.
  • 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
  • $0 intro annual fee for the first year, then $95.
    rates & fees
    Blue Cash Everyday Card from American Express

    Blue Cash Everyday® Card from American Express

  • As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership.
  • 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
  • $0
    rates & fees
    Chase Freedom Unlimited

    Chase Freedom Unlimited®

  • $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
  • $0
    rates & fees
    Chase Sapphire Reserve

    Chase Sapphire Reserve®

  • 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
  • 8x points on all purchases through Chase Travel, including The Edit and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
  • $795
    rates & fees
    Costco Anywhere Visa Card by Citi

    Costco Anywhere Visa® Card by Citi

  • 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter.
  • 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel.
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • $0
    rates & fees

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    Citi Strata Premier Card Review – 60,000 Bonus Points and 3X Rewards https://www.cardbenefit.com/citi-strata-premier-card-review/ https://www.cardbenefit.com/citi-strata-premier-card-review/#respond Thu, 03 Apr 2025 15:30:39 +0000 https://www.cardbenefit.com/?p=20355 Citi Strata Premier Card is a consumer credit card that offers rich bonus and generous rewards on everyday purchases. It gives new card members a bounty of $600 value, which is among the top sign-up bonus rewards that you may receive from a credit card. In addition, it offers 3 ThankYou rewards points for each dollar you spend in grocery, dining, travel, and gas, which are the most common purchases for most consumers.

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    Overview

    Citi Strata Premier® Card, issued by our partner Citibank, is a consumer credit card that offers rich bonus and generous rewards on everyday purchases. It not only hands out a bounty of $600 value, which is among the best sign-up bonus rewards of any credit cards, but also offers cardholders 3 rewards points for each dollar spent in grocery, dining, travel, and gas. All of those spending categories are the most common purchases for consumers.

    • Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
    • Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
    • Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
    • Earn 1 Point per $1 spent on all other purchases
    • $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
    • No expiration and no limit to the amount of points you can earn with this card
    • No Foreign Transaction Fees on purchases
    Intro APR
    N/A
    Intro APR Period
    N/A
    Annual Fee (rates & fees)
    $95
    Credit Needed
    Excellent, Good

    Card Benefits

    Sign-up Bonus

    If you spend $4,000 or more in purchases on the credit card within your first 3 months of becoming a card member, you will receive a bonus of 60,000 points, which can be redeemed for $600 in cash rewards or gift cards at thankyou.com. Earning the bonus of $600 value is like receiving a 15% discount on your first $4,000 in purchases, which is an easy way to put more cash rewards back in your pocket. Those applicants who recently received a new account bonus for a Citi Premier or Citi Strata Premier Card account in the past 48 months will not be eligible for the 60,000 points bonus rewards.

    How to Earn Rewards

    You will earn 10 points per $1 spent on hotels, car rentals, and attractions booked on CitiTravel.com. You will also earn 3 ThankYou Points for every dollar you spend at supermarkets, restaurants, gas stations or EV charging stations, airlines, and other hotels. For every dollar you spend on all other purchases, you will also earn 1 point.

    For instance, if you spend $5,000 on gas, $10,000 on dining out, $10,000 on groceries, $10,000 on travel, and $10,000 on everything else in a year, you will receive 115,000 ThankYou rewards points, redeemable for $1,000 in cash rewards. You can use our rewards calculator to find out how many rewards points you may receive.

    Spending Category Spending Rewards Points Rewards Value
    Gas $5,000 15,000 $150
    Groceries $10,000 30,000 $300
    Air Travel and Hotels $10,000 30,000 $300
    Dining at Restaurants $10,000 30,000 $150
    Everything Else $10,000 10,000 $100
    Total $45,000 115,000 $1,150
    Wells Fargo Platinum Balance Transfer Calculation

    How to Redeem Rewards

    Points can be redeemed for cash rewards or statement credit, gift cards, travel, or merchandise. Redemption for cash rewards starts at 500 points for $5. When you use points to redeem for gift cards, each point is worth 1 cent, which means that 100 points equals $1 in redemption value. Redemption for gift cards starts at 2,500 points for a $25 gift card. There are a wide variety of store gift cards that you can choose from at thankyou.com, such as Target, Home Depot, Lowe’s, Macy’s, GAP, Old Navy, Sephora, Legal Sea Foods, Red Lobster, Chili’s, etc. You can easily redeem points for gift cards of your favorite retail stores or restaurants.

    $100 Annual Hotel Savings Benefit

    Once per calendar year, the primary cardmember can book a hotel stay of $500 or more through CitiTravel.com and enjoy $100 off the hotel stay. To receive the $100 annual hotel savings, you must pre-pay for your complete stay with your Citi Strata Premier Card, ThankYou Points, or a combination thereof. If you choose to use the benefit, the $100 annual hotel savings will be applied at the time of hotel reservation.

    Additional Information

    Fees

    This credit card has an annual fee of $95. It has no foreign transaction fees on purchases that you make in foreign countries.

    Required Credit Rating

    The Citi Strata Premier Card is for people with good or excellent credit scores. If you have a FICO credit score of 700 or above, you may be eligible for the card offer.

    Is this the right card for you?

    If you are looking for a credit card with great bonus and rewards on everyday purchases, the Citi Strata Premier® Card is one of the best credit cards for that purpose. You can earn a generous bonus of 60,000 points points, redeemable for $600, and 3X rewards on purchases on some of your most frequent purchases such as grocery, dining, travel, gas. In addition, this credit card charges no foreign transaction fees. Although the Citi Strata Premier® Card has a moderate annual fee, its value has far outweighed the cost of the annual fee.

    Similar Credit Cards with Bonus Rewards

    If you are interested in the Citi Strata Premier® Card, you may also consider the following credit cards with similar benefits.

    Credit Card Bonus valued at $500 or More

    Credit CardBonusAnnual Fee
    Citi Strata Elite Card

    Citi Strata Elite Card

    75,000 bonus Points after spending $6,000 in the first 3 months of account opening.$595
    rates & fees
    Chase Sapphire Preferred Card

    Chase Sapphire Preferred® Card

    75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.$95
    rates & fees
    Chase Sapphire Reserve

    Chase Sapphire Reserve®

    100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.$795
    rates & fees
    American Express Gold Card

    American Express® Gold Card

    You may be eligible for as high as 100,000 Membership Rewards Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you're approved and find out your exact welcome offer amount - all with no credit score impact. If you're approved and choose to accept the Card, your score may be impacted.$325
    rates & fees
    American Express Platinum Card

    American Express Platinum Card®

    $200 Uber Cash + $120 Uber One Credit: With the Platinum Card you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.$895
    rates & fees
    Sapphire Reserve for Business

    Sapphire Reserve for Business

    200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening.$795
    rates & fees

    Credit Card Bonus valued at $250 or $300

    Credit CardBonusAnnual Fee
    Blue Cash Preferred Card from American Express

    Blue Cash Preferred® Card from American Express

    As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. $0 intro annual fee for the first year, then $95.
    rates & fees
    The American Express Blue Business Cash Card

    The American Express Blue Business Cash™ Card

    $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.$0
    rates & fees

    Credit Card Bonus valued at $200

    Credit CardBonusAnnual Fee
    Citi Double Cash Card

    Citi Double Cash® Card

    $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.$0
    rates & fees
    Citi Strata Card

    Citi Strata Card

    20,000 bonus Points after spending $1,000 in the first 3 months of account opening.$0
    rates & fees
    Chase Freedom Unlimited

    Chase Freedom Unlimited®

    $200 Bonus after you spend $500 on purchases in your first 3 months from account opening$0
    rates & fees
    Blue Cash Everyday Card from American Express

    Blue Cash Everyday® Card from American Express

    As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. $0
    rates & fees

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    Best Credit Card Bonus of August 2026 https://www.cardbenefit.com/best-credit-card-bonus-of-2025/ Thu, 03 Apr 2025 15:04:41 +0000 https://www.cardbenefit.com/?p=20333 Many credit cards offer bonus rewards in cash back, miles or points. Bonus miles or reward points may be redeemed for flights, hotel nights, or simply shopping gift cards. Below you’ll find some of the best bonus rewards offered by credit cards for consumers and small businesses.

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    Chase Sapphire Preferred® Card: $750 Bonus + $50 Annual Hotel Credit

    Chase is running a limited time offer of Chase Sapphire Preferred® Card, which gives out a rich bonus of 75,000 points, redeemable for $750 in travel rewards at Chase Travel. In addition, it offers $100 Annual Chase Travel Hotel Credit. You can also earn up to 5 points per dollar spent on travel, 3 points per dollar on dining and online groceries. The card has no foreign transaction fees, which saves you money when you travel abroad.

    • Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
    • Enjoy benefits such as 5x on travel purchased through Chase Travel, 3x on dining, 3x on vacation homes, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases
    • Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Emergency Evacuation and Transportation and more
    • Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $156.
    • Complimentary DashPass which unlocks $0 delivery fees & lower service fees for 12 months when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
    • Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck® or NEXUS application.
    • Transfer points to leading airline and hotel loyalty programs
    • Member FDIC
    Intro APR
    N/A
    Intro APR Period
    N/A
    Annual Fee (rates & fees)
    $95
    Credit Needed
    Good to Excellent

    Other Credit Card Bonus valued at $200+

    Many other credit cards are also offering a bonus of $200 or more. Here are the credit cards that give out good bonus.

    Credit Card Bonus of $200+

    Credit CardBonusAnnual Fee
    Citi Strata Premier Card

    Citi Strata Premier® Card

    60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.$95
    rates & fees
    Chase Freedom Unlimited

    Chase Freedom Unlimited®

    $200 Bonus after you spend $500 on purchases in your first 3 months from account opening$0
    rates & fees
    Citi Double Cash Card

    Citi Double Cash® Card

    $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.$0
    rates & fees
    Blue Cash Preferred Card from American Express

    Blue Cash Preferred® Card from American Express

    As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. $0 intro annual fee for the first year, then $95.
    rates & fees
    Blue Cash Everyday Card from American Express

    Blue Cash Everyday® Card from American Express

    As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. $0
    rates & fees
    USAA Eagle Navigator Credit Card

    USAA Eagle Navigator® Credit Card

  • Earn 30,000 bonus points ($300 travel value) after spending $3,000 on qualifying purchases within 90 days of account opening.
  • Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
  • $95

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    Best Travel Credit Card of August 2026 https://www.cardbenefit.com/best-travel-credit-card/ https://www.cardbenefit.com/best-travel-credit-card/#respond Tue, 01 Apr 2025 08:29:31 +0000 https://www.cardbenefit.com/?p=20527 Citi Premier offers a rich bonus of 80,000 points, which can be redeemed for $800 in cash rewards. It also offers 3% rewards on purchases in groceries, travel, dining, and gas. You will also receive an annual hotel credit of $100 for a hotel stay of $500 or more. It has no foreign transaction fees.

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    Chase Sapphire Preferred® Card: $750 Bonus + $100 Annual Hotel Credit

    Chase is offering Chase Sapphire Preferred® Card, which gives out a rich bonus of 75,000 points, redeemable for $750 in cash back, or even higher value in travel rewards at Chase Travel, a rewards redemption website for Chase credit card points. In addition, it offers $100 Annual Hotel Credit for hotel stays that you book at Chase Travel. You can also earn up to 5 points per dollar spent on travel, 3 points per dollar on dining, gas & EV charging, and online groceries. The card has no foreign transaction fees, which saves you money when you travel abroad.

    • Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
    • Enjoy benefits such as 5x on travel purchased through Chase Travel, 3x on dining, 3x on vacation homes, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases
    • Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel
    • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Emergency Evacuation and Transportation and more
    • Get a year of complimentary Apple TV when activated by December 31, 2026 - a value of $156.
    • Complimentary DashPass which unlocks $0 delivery fees & lower service fees for 12 months when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
    • Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck® or NEXUS application.
    • Transfer points to leading airline and hotel loyalty programs
    • Member FDIC
    Intro APR
    N/A
    Intro APR Period
    N/A
    Annual Fee (rates & fees)
    $95
    Credit Needed
    Good to Excellent

    Other Rewards Credit Cards with Best Travel Rewards

    Many other credit cards are also offering excellent rewards or cash back on travel purchases. Here are the credit cards that give out good travel rewards and rich bonus.

    Travel Rewards Credit Cards

    Credit CardBonus and RewardsAnnual Fee
    Citi Strata Elite Card

    Citi Strata Elite Card

  • 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.
  • 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com
  • 1.5 Points per $1 spent on All Other Purchases
  • $595
    rates & fees
    Citi Strata Premier Card

    Citi Strata Premier® Card

  • 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
  • 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
  • 1 Point per $1 spent on all other purchases
  • $95
    rates & fees
    Chase Freedom Unlimited

    Chase Freedom Unlimited®

  • $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
  • $0
    rates & fees
    Citi Double Cash Card

    Citi Double Cash® Card

  • $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
  • $0
    rates & fees
    Costco Anywhere Visa Card by Citi

    Costco Anywhere Visa® Card by Citi

  • 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter.
  • 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel.
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • $0
    rates & fees
    Costco Anywhere Visa Business Card by Citi

    Costco Anywhere Visa® Business Card by Citi

  • 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter.
  • 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel.
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • $0
    rates & fees
    Delta SkyMiles Gold American Express Card

    Delta SkyMiles® Gold American Express Card

  • You may be eligible for as high as 80,000 Bonus Miles after you spend $2,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you're approved and find out your exact welcome offer amount - all with no credit score impact. If you're approved and choose to accept the Card, your score may be impacted.
  • When you use your Delta SkyMiles Gold American Express Card, you can earn: 2X miles on Delta Purchases, 2X miles at restaurants, 2X miles at U.S. supermarkets, 1X miles on all other eligible purchases. Every mile you earn brings you closer to the places you want to go. Turn them into your next trip, use them for seat upgrades, and more.
  • $0 introductory annual fee for the first year, then $150.
    rates & fees
    Chase Sapphire Reserve

    Chase Sapphire Reserve®

  • 100,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.
  • 8x points on all purchases through Chase Travel, including The Edit and 4x points on flights and hotels booked direct. Plus, earn 3x points on dining worldwide & 1x points on all other purchases
  • $795
    rates & fees

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    Costco Anywhere Visa Business Card Review – Cash Rewards for Business Purchases https://www.cardbenefit.com/costco-anywhere-visa-business-card-review/ https://www.cardbenefit.com/costco-anywhere-visa-business-card-review/#respond Fri, 24 Jan 2025 19:10:51 +0000 https://www.cardbenefit.com/?p=20367 Costco is a warehouse for family and small business to make purchases in bulk. If you like to use Costco for many of your business purchases, Costco Anywhere Visa Business Card is great credit card. Although it does not offer a sign-up bonus, it offers business owners up to 5% cash back on gas purchases, 3% cash back on restaurants and travel purchases, and 2% cash back on all other purchases from Costco. In addition, the Costco Anywhere Visa Business Card has no annual fee with paid Costco membership and has no foreign transaction fees.

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    Overview

    Costco Anywhere Visa® Business Card by Citi, from our partner Citi, rewards small business owners who frequent Costco warehouses for business supplies. Cardholders can earn 2% cash back on purchases at Costco. In addition, cardholders can earn 3% back on travel and dining at restaurants, and up to 5% cash back rewards on gas purchases. The Costco Business credit card has no annual fee with your paid Costco membership. You can also enjoy no foreign transaction fees on purchases you make abroad.

    • Discover the only business credit card designed exclusively for Costco members
    • Earn 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter.
    • 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel.
    • 2% cash back on all other purchases from Costco and Costco.com
    • 1% cash back on all other purchases
    • No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
    • Whether you're traveling for business or pleasure, enjoy no foreign transaction fees on purchases
    • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
    Intro APR
    N/A
    Intro APR Period
    N/A
    Annual Fee (rates & fees)
    $0
    Credit Needed
    Excellent

    Card Benefits

    How to Earn Rewards

    With Costco Anywhere Visa Business Card by Citi, you can earn more cash back on many regular purchases than most other credit cards. You will earn 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 per year. You will earn 3% cash back on dining at restaurants, including cafes, bars, lounges and fast food restaurants. You will also earn 3% cash back on eligible travel purchases worldwide, including airfare, hotels, car rentals, travel agencies, cruise lines and Costco Travel. For other purchases at Costco and Costco.com, you will earn 2% back. For all other purchases, you will earn 1% back.

    For example, if you spend $7,000 on gas at Costco, $8,000 on dining out, $10,000 on travel, $15,000 on Costco purchases, and $10,000 on everything else in a year, you will receive $1,220 in cash rewards. You can use our cash rewards calculator to find out how much cash back you may receive.

    Spending Category Spending Cash Rewards Net Spending (after Cash Back)
    Gas $7,000 $350 $6,650
    Travel $10,000 $300 $9,700
    Dining Out $8,000 $240 $7,760
    Costco Purchases $15,000 $300 $14,700
    Everything Else $10,000 $100 $9,900
    Total $50,000 $1,290 $48,710
    Costco Business Credit Card Rewards Calculation Chart

    How to Redeem Rewards

    You will receive your annual cash rewards in the form of a credit card reward certificate once your February billing statement closes. The credit card reward certificate contains your Costco rewards balance based on your eligible purchases during the annual reward period of the prior year. The credit card reward certificates are redeemable through the end of the year at any U.S. Costco warehouse for merchandise or cash back. Any Costco cash rewards you have earned on purchases made by authorized users on your card account will be added to your Costco rewards total.

    Additional Information

    Fees

    This credit card has no annual fee with your paid Costco membership. There are two tiers of membership, Gold Star and Gold Star Executive. The Gold Star has an annual membership fee of $60. The Gold Star Executive has an annual membership fee of $120 and it offers an additional 2% cash reward, up to $1,000 on your purchases at Costco. The 2% cash rewards of the Gold Star Executive can offset the $120 membership fee. For example, if you make an average of $500 monthly purchases at Costco, you will accrue $10 in cash rewards each month and $120 in annual cash rewards, which is enough to pay for the $120 membership fee by itself.

    It has no foreign transaction fees, which will save you money when you travel abroad. Most other credit cards typically charge a transaction fee 3% on your purchases in foreign countries. For example, if you use a credit card to pay $2,000 for purchases or for hotel stays in Canada, Asia, or Europe, you may end up with paying a bill of $2,060 after the 3% foreign-transaction surcharge is added to your bill. If you travel abroad, Costco Anywhere Visa Business Card by Citi can help you avoid the 3% surcharge on your purchases.

    Required Credit Rating

    The Costco Anywhere Visa Business Card by Citi is for people who have excellent credit scores. If you have an outstanding FICO score, you may qualify for the credit card.

    Is this the right card for you?

    Costco is a warehouse for family and small business to make purchases in bulk. If you like to use Costco for many of your business purchases, the Costco Anywhere Visa Business Card by Citi is a great small business credit card. Although it does not offer a sign-up bonus, it offers business owners up to 5% cash back on gas purchases, 3% cash back on restaurants and travel purchases, and 2% cash back on all other purchases from Costco. In addition, the Costco Anywhere Visa Business Card by Citi has no annual fee with paid Costco membership and has no foreign transaction fees.

    Similar Credit Cards

    If you are interested in the Costco Anywhere Visa Business Card by Citi, you may also consider a few other credit cards with similar benefits.

    Cash Back Credit Cards

    Credit CardBonus and RewardsAnnual Fee
    Costco Anywhere Visa Card by Citi

    Costco Anywhere Visa® Card by Citi

  • 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter.
  • 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel.
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • $0
    rates & fees
    Citi Double Cash Card

    Citi Double Cash® Card

  • $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
  • $0
    rates & fees
    Chase Freedom Unlimited

    Chase Freedom Unlimited®

  • $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
  • $0
    rates & fees
    Blue Cash Everyday Card from American Express

    Blue Cash Everyday® Card from American Express

  • As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership.
  • 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
  • $0
    rates & fees

    Business Credit Cards

    Credit CardBonus and RewardsAnnual Fee
    The American Express Blue Business Cash Card

    The American Express Blue Business Cash™ Card

  • $250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.
  • 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.
  • $0
    rates & fees
    The Blue Business Plus Credit Card from American Express

    The Blue Business® Plus Credit Card from American Express

  • 15,000 Membership Rewards points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership.
  • 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
  • $0
    rates & fees
    American Express Business Gold Card

    American Express® Business Gold Card

  • As High As 200,000 points. Find Out Your Offer. You may be eligible for as high as 200,000 Membership Rewards Points after spending $15,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
  • 4X Membership Rewards points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.
  • $375
    rates & fees

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    Citi Strata Premier® Card https://www.cardbenefit.com/citi-strata-premier-card/ https://www.cardbenefit.com/citi-strata-premier-card/#respond Wed, 20 Nov 2024 05:15:30 +0000 https://www.cardbenefit.com/citi-premier-card/ Citi Strata Premier Card offers 75,000 bonus ThankYou Points after qualified spending. The 75,000 Points are redeemable for $750 in gift cards or cash rewards when redeemed at thankyou.com. You can earn 10 points for each dollar spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com, and earn 3 points for each dollar spent on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations. You can earn 1 point per $1 spent on all other purchases. In addition, you will receive $100 Annual Hotel Savings Benefit. The card has no foreign transaction fees on purchases.

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    Card Issuer
    Citibank
    Network
    Mastercard
    Card Category
    Bonus, Dining, Travel
    Required Credit
    Excellent, Good
    Rate this card:  

    Benefits Summary
    Bonus Rewards
    Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
    Rewards
    Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com. Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations. Earn 1 Point per $1 spent on all other purchases. No expiration and no limit to the amount of points you can earn with this card.
    Extra Benefits

    • Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
    • Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
    • Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
    • Earn 1 Point per $1 spent on all other purchases
    • $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
    • No expiration and no limit to the amount of points you can earn with this card
    • No Foreign Transaction Fees on purchases
    • Read our review on Citi Strata Premier® Card
    Intro APR
    N/A
    Intro APR Period
    N/A
    Regular APR
    19.49% - 27.49% (Variable)
    Annual Fee (rates & fees)
    $95

    Featured Credit Cards from Our Partners for Bonus, Dining, Travel

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    Citi Double Cash® Card Review – $200 Bonus and Straight 2% Cash Back on All Purchases https://www.cardbenefit.com/citi-double-cash-card-review/ https://www.cardbenefit.com/citi-double-cash-card-review/#respond Tue, 01 Oct 2024 16:59:15 +0000 https://www.cardbenefit.com/?p=20267 If you are looking for a credit card with easy cash rewards, Citi Double Cash Card is a credit card that gives you $200 bonus cash back and essentially 2% cash back on everything. It is a Mastercard that lets you earn unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. It has no annual fee and offers 0% intro APR on balance transfers for 18 months.

    The post Citi Double Cash® Card Review – $200 Bonus and Straight 2% Cash Back on All Purchases appeared first on CardBenefit.

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    Overview

    If you need a credit card that offers straightforward cash rewards, consider Citi Double Cash Card, issued by our partner Citibank. This credit card provides a $200 bonus cash back along with a consistent 2% cash back on all purchases. It allows you to earn an unlimited 1% cash back when making purchases, with an additional 1% cash back as you pay for those transactions. It is also giving out 5% cash back on eligible travel purchases. The card features no annual fee and 0% introductory APR on balance transfers for the first 18 months.

    Card Summary

    • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
    • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
    • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.24% - 28.49%, based on your creditworthiness.
    • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
    • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
    • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
    Intro APR
    0% on Balance Transfers
    Intro APR Period
    18 months
    Annual Fee (rates & fees)
    $0
    Credit Needed
    Excellent, Good

    Card Benefits

    Special Offer: $200 Cash Back Bonus

    Citi Double Cash Card users have the opportunity to earn a $200 cash rewards bonus by making $1,500 in purchases within the initial 6 months. Receiving this $200 cash rewards bonus translates to a 13% discount on the first $1,500 spent — an effortless means of increasing the cash back in your wallet.

    Cash Back: How Citi Double Cash Works

    By earning 1% cash back when making purchases and an additional 1% when paying off the balance, you accumulate a total of 2% cash back on all your expenditures. The cash back has no limits, and as long as your account remains open, your earned rewards don’t expire.

    In addition, Citi Double Cash Card is running a special travel offer to let you earn 5% cash back on hotel, car rentals and attractions booked on the Citi Travel portal.

    Illustratively, if your annual card spending amounts to $30,000, including $6,000 in eligible travel purchases of 5% cash back, you will receive $780 in cash back rewards. You can utilize our cash rewards calculator to determine the potential cash back rewards based on your specific expenditures.

    Spending Category Spending Cash Rewards Net Spending (after Cash Back)
    Eligible Travel Purchases of 5% Cash Back $6,000.00 $300.00 $5,700.00
    Everything Else $24,000.00 $480.00 $23,520.00
    Total $30,000.00 $780.00 $29,220.00

    Citi Double Cash Card Cash Rewards Calculation Chart

    0% Introductory APR

    Additionally, it offers a 0% introductory APR on balance transfers, enabling you to transfer your current credit card balance and benefit from an extended period of 18 months with no interest. This provides an opportunity to save on interest costs. Post the introductory period, a go-to rate of 18.24% - 28.49% (variable) applies.

    Fees

    Citi Double Cash Card boasts a zero annual fee, allowing you to retain the card without incurring any charges. On the other hand, it has foreign transaction fees at 3% of each transaction in U.S. dollars. If you’re planning to use a credit card for international transactions, it’s crucial to be aware of any foreign transaction fees and consider other cards that may offer more favorable terms for overseas spending if that’s a significant part of your financial activity.

    Required Credit Rating

    Citi Double Cash Card is tailored for individuals with an excellent or good credit profile.

    Bottom Line

    To recap, here are the main pros and cons when considering Citi Double Cash Card:

    Pros

    Double Cash Back: Citi Double Cash Card provides a unique structure where you earn 1% cash back on all purchases when you make them and an additional 1% cash back when you pay them off. This effectively gives you 2% cash back on every purchase, making it competitive in the cash back rewards category.

    Sign-Up Bonus: The card offers a sign-up bonus of $200 cash, which makes it quite attractive.

    No Annual Fee: Citi Double Cash Card does not charge an annual fee, making it a cost-effective option for cardholders.

    Simplicity: The card’s structure eliminates the need to navigate through different spending categories or deal with quarterly changes, offering a straightforward way to earn rewards on all purchases.

    Acceptance: Citi Double Cash Card is a Mastercard, which is accepted at nearly every merchant that accepts credit cards, both in the US and internationally.

    Balance Transfer Intro APR: The card typically offers a 0% introductory APR on balance transfers for a long period of 18 months, providing a potential benefit for those looking to transfer and manage existing credit card debt.

    Cons

    Foreign Transaction Fee: If you frequently travel internationally, it’s important to note that the card has foreign transaction fees, which may not be ideal for those who spend internationally.

    Variable APR: The APR can be relatively high, especially if you have less-than-excellent credit, so it’s important to consider this if you carry a balance.

    Is this the right card for you?

    If you desire simple and direct cash back rewards without the burden of an annual fee, the Citi Double Cash Card is an obvious and advantageous choice. This card grants a $200 cash bonus following qualified spending and ensures a consistent 2% cash back on all purchases. Furthermore, it extends a 0% introductory APR on balance transfers for an extensive period of 18 months, providing a valuable opportunity to alleviate existing credit card debt.

    Similar Rewards Credit Cards

    If you are interested in the Citi Double Cash Card, it’s worth exploring a few other credit cards that offer comparable benefits.

    No-Annual-Fee Rewards Credit Cards

    Credit CardBonus and RewardsAnnual Fee
    Citi Strata Card

    Citi Strata Card

  • 20,000 bonus Points after spending $1,000 in the first 3 months of account opening.
  • 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.
  • $0
    rates & fees
    Chase Freedom Unlimited

    Chase Freedom Unlimited®

  • $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
  • $0
    rates & fees
    Blue Cash Everyday Card from American Express

    Blue Cash Everyday® Card from American Express

  • As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership.
  • 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
  • $0
    rates & fees
    Costco Anywhere Visa Card by Citi

    Costco Anywhere Visa® Card by Citi

  • 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter.
  • 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel.
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • $0
    rates & fees

    0% APR Balance Transfer Credit Cards

    Credit Card0% APRAnnual Fee
    Citi Diamond Preferred Card

    Citi® Diamond Preferred® Card

    0% on purchases for 12 months and on balance transfers for 21 months. After the intro period ends, the go-to rate of 16.49% - 27.24% (variable) applies.
    (rates & fees)
    $0

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    Best Cash Back Credit Cards for Online Purchases https://www.cardbenefit.com/best-cash-back-credit-cards-for-online-purchases/ https://www.cardbenefit.com/best-cash-back-credit-cards-for-online-purchases/#respond Thu, 14 Mar 2024 01:25:05 +0000 https://www.cardbenefit.com/?p=20743 You may earn cash rewards on all online purchases. Both Wells Fargo Active Cash Card and Citi Double Cash Card offer unlimited 2% cash back on every purchase, including online purchases. Both cards offer a $200 sign-up bonus. A few other cards offer 3% or more cash rewards on online purchases, with a cap on quarterly or yearly purchases.

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    Best Credit Cards on Online Purchases: Unlimited 2% Cash Back

    Citi Double Cash Card offers unlimited 2% cash back on every purchase, including all online purchases. In addition, new cardholders can also receive a $200 cash bonus.

    Credit CardBonus and RewardsAnnual Fee
    Citi Double Cash CardCiti Double Cash® Card
  • $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
  • $0
    rates & fees

    3%+ Cash Back on Purchases

    Blue Cash Everyday Card from Amex lets you earn 3% cash back on up to $6,000 online retail purchases annually.

    Credit CardBonus and RewardsAnnual Fee
    Blue Cash Everyday Card from American ExpressBlue Cash Everyday® Card from American Express
  • As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership.
  • 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
  • $0
    rates & fees
    Prime VisaPrime Visa
  • Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members
  • Unlimited 1% back on all other purchases
  • $0
    rates & fees

    Alternative Cash Back Credit Cards for Online Purchases

    Credit CardBonus and RewardsAnnual Fee
    Chase Freedom UnlimitedChase Freedom Unlimited®
  • $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.
  • $0
    rates & fees
    Blue Cash Preferred Card from American ExpressBlue Cash Preferred® Card from American Express
  • As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership.
  • 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
  • $0 intro annual fee for the first year, then $95.
    rates & fees
    Costco Anywhere Visa Card by CitiCostco Anywhere Visa® Card by Citi
  • 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter.
  • 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel.
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • $0
    rates & fees

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