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.

Apply Now

Citi Strata Premier^® Card

• 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.

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 Card		Bonus	Annual Fee
	Citi Strata Elite℠ Card	For a limited time, earn 100,000 bonus Points after spending $6,000 in the first 3 months of account opening.	$595 rates & fees
	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®	125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.	$795 rates & fees
	American Express® Gold Card	$100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.	$325 rates & fees
	American Express Platinum Card®	More Value! $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℠	200,000 bonus points after you spend $30,000 on purchases in your first 6 months from account opening and with more than $2,500 in annual value, there's no competition.	$795 rates & fees

Credit Card Bonus valued at $250 or $300

Credit Card		Bonus	Annual Fee
	Citi Strata℠ Card	For a limited time, earn 30,000 bonus Points after spending $1,000 in the first 3 months of account opening.	$0 rates & fees
	Blue Cash Preferred® Card from American Express	$250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.	$0 intro annual fee for the first year, then $95. rates & fees
	First Tech Odyssey Rewards™ World Elite Mastercard®	Get 30,000 bonus reward points when you spend at least $3,000 in your first 90 days¹. That's $300 in value!	$0 intro annual fee first year, then $75 thereafter
	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 Card		Bonus	Annual Fee
	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
	Chase Freedom Unlimited®	Earn a $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	$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.	$0 rates & fees
	Choice Rewards World Mastercard®	20,000 bonus Rewards Points when you spend $3,000 in the first 60 days	$0

The post Citi Strata Premier Card Review – 60,000 Bonus Points and 3X Rewards appeared first on CardBenefit.

Apply Now

Card Issuer

Citibank

Network

Mastercard

Card Category

Bonus, Dining, Travel

Required Credit

Excellent, Good

Rate this card:  

Apply Now

Citi Strata Premier^® Card

• 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

19.74% - 27.74% (Variable)

Annual Fee (rates & fees)

$95

Chase Sapphire Preferred^® Card

Prime Visa

United^℠ Business Card

The Business Platinum Card^® from American Express

Hilton Honors American Express Card

Delta SkyMiles^® Gold Business American Express Card

IHG One Rewards Traveler Credit Card

Delta SkyMiles^® Platinum Business American Express Card

Marriott Bonvoy Business^® American Express^® Card

American Express Platinum Card^®

IHG One Rewards Premier Credit Card

Hilton Honors American Express Surpass^® Card

Delta SkyMiles^® Reserve Business American Express Card

Delta SkyMiles^® Blue American Express Card

Delta SkyMiles^® Gold American Express Card

American Express^® Business Gold Card

The Blue Business^® Plus Credit Card from American Express

The Hilton Honors American Express Business Card

IHG One Rewards Premier Business Credit Card

British Airways Visa Signature^® Card

Chase Sapphire Reserve^®

First Tech Odyssey Rewards™ World Elite Mastercard^®

Business Green Rewards Card from American Express

Sapphire Reserve for Business^℠

Delta SkyMiles^® Platinum American Express Card

Delta SkyMiles^® Reserve American Express Card

American Express^® Gold Card

Hilton Honors American Express Aspire Card

Marriott Bonvoy Brilliant^® American Express^® Card

Marriott Bonvoy Bevy^® American Express^® Card

Citi Strata Elite^℠ Card

The post Citi Strata Premier® Card appeared first on CardBenefit.

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

Apply Now

Citi Double Cash^® Card

• 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 17.74% - 27.74%, 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.

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 17.74% - 27.74% (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 Card		Bonus and Rewards	Annual Fee
	Citi Strata℠ Card	For a limited time, earn 30,000 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®	Earn a $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	$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. 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	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 Card		0% APR	Annual Fee
	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 16.74% - 27.49% (variable) applies. (rates & fees)	$0

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

0% interest credit cards offer a valuable financial tool, particularly when it comes to managing existing debt or making substantial purchases. The 0% introductory interest rate provides a window where you can borrow money without incurring additional interest or fees, given you meet the minimum monthly payment requirements. This strategic approach allows individuals to address their financial needs more effectively, offering a temporary period of relief from the typical costs associated with borrowing money.

Check out the following credit cards offering 0% APR, sorted by the length of introductory periods.

0% Interest for 21 Months

Credit Card		0% Introductory Interest	Annual Fee
	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 16.74% - 27.49% (variable) applies. (rates & fees)	$0

0% Interest for 18 Months

Credit Card		0% Introductory Interest	Annual Fee
	Citi Double Cash® Card	0% on balance transfers for 18 months. After the intro period ends, the go-to rate of 17.74% - 27.74% (variable) applies. (rates & fees)	$0

0% Interest for 15 Months

Credit Card		0% Introductory Interest	Annual Fee
	Citi Strata℠ Card	0% on purchases and balance transfers for 15 months. After the intro period ends, the go-to rate of 18.74% - 28.74% (variable) applies. (rates & fees)	$0
	Blue Cash Everyday® Card from American Express	0% on purchases and balance transfers for 15 months. After the intro period ends, the go-to rate of 19.74% - 28.74% variable applies. (rates & fees)	$0
	Chase Freedom Unlimited®	0% on purchases and balance transfers for 15 months (rates & fees)	$0

0% Interest for 12 Months

Credit Card		0% Introductory Interest	Annual Fee
	Blue Cash Preferred® Card from American Express	0% on purchases for 12 months. After the intro period ends, the go-to rate of 19.74% - 28.74% variable applies. (rates & fees)	$0 intro annual fee for the first year, then $95.

Small Business Cards with 0% Interest for 12 Months

Credit Card		0% Introductory Interest	Annual Fee
	The American Express Blue Business Cash™ Card	0% on purchases for 12 months from date of account opening. After the intro period ends, the go-to rate of 16.99% - 26.99% variable applies. (rates & fees)	$0
	The Blue Business® Plus Credit Card from American Express	0% on purchases for 12 months from date of account opening. After the intro period ends, the go-to rate of 16.99% - 26.99% variable applies. (rates & fees)	$0

The post Best 0% APR Credit Cards of 2025 appeared first on CardBenefit.

Citi Double Cash Card: $200 Bonus, 2% Cash Back

Citi Double Cash^® Card is one of the best cash back credit cards with no annual fee. It offers $200 bonus cash. In addition, it offers 2% cash back on all purchases with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases..

Apply Now

Citi Double Cash^® Card

• 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 17.74% - 27.74%, 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

Other No-Annual-Fee Credit Cards

Many other credit cards are also offering rewards or cash back with no annual fee. Here are a few no-annual-fee credit cards that offer good rewards and bonus.

Credit Cards with No Annual Fee

Credit Card		Bonus and Rewards	Annual Fee
	Citi Strata℠ Card	For a limited time, earn 30,000 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
	Blue Cash Everyday® Card from American Express	$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. 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®	Earn a $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
	Delta SkyMiles® Blue American Express Card	10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months. 2X Miles per dollar spent on Delta purchases, at restaurants worldwide, plus takeout and delivery in the U.S., and 1X Mile on all other eligible purchases.	$0 rates & fees
	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
	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
	Choice Rewards World Mastercard®	20,000 bonus Rewards Points when you spend $3,000 in the first 60 days 2 Rewards Points for every $1 spent on groceries, gas, electronics, medical, household goods and telecommunications and 1 Reward Point for every $1 spent on all other purchases	$0

The post Best No-Annual-Fee Credit Cards of November 2025 appeared first on CardBenefit.

Check out the credit cards that offer big bonus valued at $500 or more. All of these cards are for people with good credit rating, whose FICO scores are usually 700 or above.

Consumer Credit Cards with $500 Bonus or More

Credit Card		Bonus	Annual Fee
	Citi Strata Elite℠ Card	For a limited time, earn 100,000 bonus Points after spending $6,000 in the first 3 months of account opening.	$595 rates & fees
	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
	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 Sapphire Reserve®	125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.	$795 rates & fees

Small Business Cards with $500 Bonus or More

Credit Card		Bonus	Annual Fee
	American Express® Business Gold Card	Earn 100,000 Membership Rewards points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*	$375 rates & fees
	The Business Platinum Card® from American Express	New! Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts or The Hotel Collection bookings through American Express Travel using the Business Platinum Card. The Hotel Collection requires a minimum two-night stay.	$895 rates & fees

Credit Card Bonus with No Annual Fee

Most of the above credit cards have an annual fee. If you just want a credit card without annual fee, you can still earn a moderate bonus valued between $100 and $300 on the following credit cards.

Citi Credit Card Bonus with No Annual Fee

Credit Card		Bonus	Annual Fee
	Citi Strata℠ Card	For a limited time, earn 30,000 bonus Points after spending $1,000 in the first 3 months of account opening.	$0 rates & fees
	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

American Express Credit Card Bonus with No Annual Fee

Credit Card		Bonus	Annual Fee
	Blue Cash Everyday® Card from American Express	$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.	$0 rates & fees
	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
	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.	$0 rates & fees

Chase Credit Card Bonus with No Annual Fee

Credit Card		Bonus	Annual Fee
	Chase Freedom Unlimited®	Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening	$0 rates & fees
	IHG One Rewards Traveler Credit Card	80,000 Bonus Points	$0 rates & fees

The post $500 Bonus Credit Cards appeared first on CardBenefit.

If you regularly use credit cards for purchases, you probably know the difference between the Mastercard logo and logos for other types of cards. What you may not know is that there are several different kinds of Mastercards to choose from. If you are in the market for a new credit card, take a look at our guide to the five different types of Mastercards to help narrow down your search.

Standard Mastercard

If you are just starting to build your credit history or you want a card that you can use to cover everyday expenses, you can’t go wrong with a standard Mastercard. With this type of card, you get zero liability protection for unauthorized purchases. You also get complimentary Mastercard ID Theft Protection, which allows you to monitor your credit file for changes that could indicate fraud, such as new credit inquiries, an address change, or a new account opened in your name. Plus, you can enjoy Mastercard Global Service, which gives you access to 24/7 customer service assistance with lost and stolen card reporting, emergency card replacement, and emergency cash advance.

Some Standard Mastercards also offer credit card bonus and rewards programs, which let you earn cash back or reward points good for flights, gift cards and merchandise. The following are a few Mastercards that offer good bonus and rewards.

Mastercard Bonus Offers

Credit Card		Bonus and Rewards	Annual Fee
	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 Flex®	$200 Bonus after you spend $500 on purchases in your first 3 months from account opening. 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter! 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 unlimited 1% cash back on all other purchases.	$0 rates & fees

World Mastercard

If you regularly travel outside the U.S., taking along a World Mastercard can give you peace of mind should the unexpected happen. World Mastercards can unlock unique travel experiences, give you preferred access to our most exclusive offers, including VIP events, insider opportunities, and special promotions. With this type of card, members can take advantage of Cell Phone Protection, which provides $1,000 in yearly coverage ($600 max per claim, 2 claims per year) if your cell phone gets stolen or needs repairs. Members can enjoy discounts on vacation packages, travel upgrades and savings on golf, spas, dining out and entertainment. Frequent flyers will also appreciate personalized airport concierge service at more than 450 airports worldwide.

World Elite Mastercard

A World Elite Mastercard is the obvious choice for travelers who want to enjoy a luxury experience wherever they go. With this type of card, you can enjoy discounts on rooms at selected luxury hotels in cities around the world. Members can also take advantage of complimentary upgrades and discounts on things like car rentals, cruise packages, vacation tours and airfare. You can even get discounts on chauffeur services or flights aboard private jets. If you need help booking your trip or run into a problem when you’re away from home, a personalized concierge is available to assist you 24 hours a day, 7 days a week.

Mastercard BusinessCard

Mastercard BusinessCard is designed to improve your productivity with digital solutions and tools that can help accelerate the growth of your business. Members receive discounts or vouchers on time-saving financial tools, such as 40% off on QuickBooks, up to $1,000 in Uber Freight load credit, etc. It also gives cardholders $125 in advertising credit after spending only $10 with Microsoft Advertising. In addition, it provides many travel benefits for business users, including airport concierge, car rental insurance, etc.

World Elite Business Mastercard

World Elite Business Mastercard gives you the purchasing power you need to take care of business, plus essential tools and services at your fingertips. It provides Cell Phone Protection, which reimburses up to $800 per claim with $50 deductible, up to $1,000 total per 12-month period, for covered stolen or damaged phone. In addition, card members can enjoy online booking with exclusive travel offers and benefits, plus 24/7 access to a Travel & Lifestyle Manager to assist with travel planning needs.

World Elite Business Mastercard from U.S. Bank

Credit Card		Bonus and Rewards	Annual Fee
	U.S. Bank Business Triple Cash Rewards World Elite Mastercard®	$500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account. 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants. 1% cash back on all other eligible net purchases. 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.	$0

View the full list of Mastercard Credit Cards

Conclusion

With so many different types of Mastercards to choose from, it can be difficult to determine which one is right for you. The key to finding the best credit card is to consider how often you’ll use the card, where you will be making most of your purchases and what kind of fees are involved to make sure you are getting the best deal.

The post What Are the 5 Different Types of Mastercards? appeared first on CardBenefit.

Quite a few credit cards are offering a sign-up bonus valued at $500+ these days. Below you’ll find some of these credit cards – you just need to open a new account and meet the minimum spending requirements. All of these cards are for people with good credit rating, whose FICO scores are usually 700 or above.

Credit Card Bonus valued at $500 or More

Credit Card		Bonus	Annual Fee
	Citi Strata Elite℠ Card	For a limited time, earn 100,000 bonus Points after spending $6,000 in the first 3 months of account opening.	$595 rates & fees
	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 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®	125,000 bonus points after you spend $6,000 on purchases in the first 3 months from account opening.	$795 rates & fees

Business Credit Cards with Bonus valued at $500 or More

Credit Card		Bonus	Annual Fee
	American Express® Business Gold Card	Earn 100,000 Membership Rewards points after you spend $15,000 on eligible purchases with the Business Gold Card within the first 3 months of Card Membership.*	$375 rates & fees
	The Business Platinum Card® from American Express	New! Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts or The Hotel Collection bookings through American Express Travel using the Business Platinum Card. The Hotel Collection requires a minimum two-night stay.	$895 rates & fees

Credit Card Bonus with No Annual Fee

All of the above credit cards have an annual fee. If you just want a credit card without annual fee, you can still earn a decent bonus (in cash or in miles/points) valued between $200 and $250 on the following credit cards.

Best No-Annual-Fee Credit Card Bonus

Credit Card		Bonus	Annual Fee
	Citi Strata℠ Card	For a limited time, earn 30,000 bonus Points after spending $1,000 in the first 3 months of account opening.	$0 rates & fees
	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
	Chase Freedom Unlimited®	Earn a $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	$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.	$0 rates & fees

The post Earn $500 Credit Card Bonus appeared first on CardBenefit.

Unlimited 2% Cash Back on all Purchases + $200 Cash Rewards Bonus

Citi Double Cash Card offers $200 cash rewards bonus. You only need to spend $1,500 on purchases in the first 6 months to qualify for the $200 cash rewards bonus. In addition, you can earn unlimited 2% cash back on all purchases. Best of all, this card has no annual fee.

Apply Now

Citi Double Cash^® Card

• 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 17.74% - 27.74%, 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

Alternative Rewards Credit Cards

If you are interested in Citi Double Cash Card, you may also consider a few other rewards cards with similar benefits.

Credit Card		Bonus and Rewards	Annual Fee
	Blue Cash Preferred® Card from American Express	$250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months. 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
	Citi Strata℠ Card	For a limited time, earn 30,000 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
	Blue Cash Everyday® Card from American Express	$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. 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®	Earn a $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
	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

The post Best Cash Back Credit Card Offers appeared first on CardBenefit.

Priority Pass has been a leading airport lounge access program since 1992, providing travelers with access to airport VIP lounges around the world, regardless of the class of travel or airline flown. With over 1,200 airport lounges across 500 cities in over 140 countries worldwide, Priority Pass grants access to the largest network of airport lounges in the world. Frequent flyers, either on business travel or on family vacations, can enjoy a place to relax with complimentary refreshments. Most international lounges offer showers, email, internet and conference space.

Priority Pass sells three classes of memberships directly from its website, including Standard, Standard Plus, and Prestige. Each class of membership provides varying levels of access. A fourth class of membership, Priority Pass Select, is specially designed for customers who receive their Priority Pass membership through premium credit cards. The benefits of Priority Pass Select for different credit cards vary in terms of fees or access. Among all credit cards that include Priority Pass Select as a perk for customers, Chase Sapphire Reserve^® and Marriott Bonvoy Brilliant^® American Express^® Card offer the best package of benefits, which give cardholders and their travel companions unlimited access to participating Priority Pass lounges for free.

Participating Airport Lounges

Whether you travel infrequently or are a seasoned, regular traveler, Priority Pass can ensure that your journey always begins stress free at one of 1,200+ participating airport lounges worldwide. The following is a list of select airports in the United States and Canada with participating VIP lounges in the Priority Pass program. For a complete list of participating lounges, visit prioritypass.com.

Major U.S. Airports with VIP Lounges Participating in the Priority Pass Select Program
Anchorage Airport (Alaska)	Atlanta Airport (Georgia )	Baltimore / Washington Airport (Maryland)	Boston Logan Airport (Massachusetts)	Charlotte Douglas Airport (North Carolina)
Chicago O’Hare Airport (Illinois)	Cincinnati Airport (Ohio)	Cleveland Hopkins Airport (Ohio)	Colorado Springs Airport (Colorado)	Dallas DFW Airport (Texas)
Denver Airport (Colorado)	Detroit Metropolitan Wayne County Airport (Michigan)	Fort Lauderdale Airport (Florida)	Greenville-Spartanburg Airport (South Carolina)	Honolulu Airport (Hawaii)
Houston George Bush Intercontinental Airport (Texas)	Indianapolis Airport (Indiana)	Las Vegas Airport (Nevada)	Lexington Blue Grass Airport (Kentucky)	Los Angeles LAX Airport (California)
Miami Airport (Florida)	Minneapolis / St. Paul Airport (Minnesota)	Newark Airport (New Jersey)	New York JFK Airport (New York)	Orlando Airport (Florida)
Orlando Sanford Airport (Florida)	Philadelphia Airport (Pennsylvania)	Pittsburgh Airport (Pennsylvania)	Portland Airport (Oregon)	San Francisco Airport (California)
San Jose Mineta Airport (California)	Seattle Sea-Tac Airport (Washington)	St Louis Lambert Airport (Missouri)	Syracuse Hancock Airport (New York)	Tampa Airport (Florida)
Tucson Airport (Arizona)	Washington DC Dulles International Airport (District of Columbia)	Washington DC Ronald Reagan National Airport (District of Columbia)

Major Airports in Canada with VIP Lounges Participating in the Priority Pass Select Program
Edmonton Airport (Alberta)	Montreal Pierre E. Trudeau Airport (Quebec)	Quebec Jean Lesage Airport (Quebec)	Toronto Lester B. Pearson Airport (Ontario)	Vancouver Airport (British Columbia)
Winnipeg J.A. Richardson Airport (Manitoba)	Calgary Airport (Alberta)

Complimentary Priority Pass Select Membership by Luxury Card

If you are a cardholder of Mastercard^® Gold Card™ or Mastercard^® Black Card^®, you will automatically receive a complimentary Priority Pass Select membership card within 7–14 business days after your credit card is opened. Priority Pass Select is a prestigious membership program for travelers to visit airport VIP lounges to relax and enjoy free food, snacks, and WIFI while waiting for flights. The complimentary Priority Pass Select membership allows you and your travel companions to enjoy unlimited visits to participating airport lounges worldwide.

Priority Pass Select by Luxury Card Stacks Up Against Competition

A few high-end travel credit cards provide complimentary Priority Pass Select membership. Benefits depend on the affiliated credit cards and are actually not identical. Some memberships have restrictions on guests and lounge visits. Priority Pass Select by Luxury Card has the most compelling package of rich benefits for frequent travelers. The following table is the comparison of Priority Pass Select by market-leading premium travel cards.

Priority Pass Select is a special type of membership that some premium travel credit cards offer through the Priority Pass network. Each credit card issuer has its own agreement with PriorityPass. Consequently, Priority Pass Select memberships are not the same for different cards in terms of benefits. Priority Pass Select by Luxury Card has the best value because it gives members unlimited free visits to lounges for themselves and their guests, including any family members and friends on the same travel itinerary. Luxury Card differentiates itself from the other credit cards with Priority Pass that have limited guests, limited lounge visits, or both.

Whether you are a business traveler or an avid vacationer, having unlimited lounge access to VIP airport lounges will be a real treat when you and your companions can enjoy a light meal, sip wine, and relax in comfortable chairs in an exclusive club. Luxury Card offers its cardholders of or the utmost pleasant experience in airport layovers through its Priority Pass Select program.

The post Priority Pass Select Membership by Luxury Card appeared first on CardBenefit.