Citi CashReturns Card, Editor Reviewed at CompareCards.com

Citi CashReturns(SM) Card

Editor's Rating: 8.0
Consumer Rating: (6 ratings) 8.2

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Intro APR:	0%
Regular APR:	As Low As 9.74%
Annual Fee:	None

Intro Period:	up to 12 Months
Balance Transfer:	Yes*
Credit Needed:	Excellent

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Earn up to 6% Cash Back on purchases; a full 1% cash back on every purchase PLUS an average 5% additional cash back at 400 leading retailers within the Citi Bonus Cash Center.
Earn a 20% bonus on the cash back earned on all purchases for the first 12 months
Checks will be sent automatically every time you earn $50
0% APR* on balance transfers for up to 12 months
No annual fee

EDITORS' RATINGS OVERALL SCORE

8.0

Overall

The Bottom-Line

A good basic cash back card that pays more than most for the three month introductory period.

The Good

Earn 5% cash back on all purchases for three months and 1% on all purchases and eligible cash advances thereafter with no earnings limit and no expiration. Cash back checks are paid out automatically without the cardholder requesting them.

The Not So Good

Rate can be quite high on cash advances. No points are earned. Rewards are limited to cash back only.

CARD DESCRIPTION

The Citi CashReturns Card is a balance transfer card offering 12 months at 0% interest on balance transfers. It’s a good option for anyone with an above average credit rating and an interest in earning cash back for their purchases. There are no points earned with this card however, and rewards consist of cash back only.

With the Citi CashReturns Card you can earn 5% cash back on all of your purchases for the first three months and 1% on all purchases and cash advances made with your card. This is a great basic cash back card and gives you the opportunity to earn more during the introductory period.

Your cash back is paid to you automatically by check without you having to request them once you have reached $50. There are no earnings limits and no expiration on your cash back. There is also no annual fee to use the Citi CashReturns card. The only downside is that rates can be higher on cash advances with this card.

Read Customer Reviews (Last Reviewed: Aug 09, 2008)

DETAILED EDITORS' RATINGS

9.0

Introductory APR

0% on balance transfers for up to 12 months

8.0

Benefits

Earn 5% cash back on all purchases for three months and 1% on all purchases and eligible cash advances thereafter

7.5

Fees

3% on balance transfers and cash advances

8.5

Regular APR

Variable Prime+ 2.74% on purchases and balance transfers; cash advance rate is Prime+ 14.99