I wonder if it's 5 bucks per BT, or just 5 bucks for the first BT. In other words, will breaking the BT's into a bunch of $1500 BT's get you an extra couple bucks?

markkundinger said:I wonder if it's 5 bucks per BT, or just 5 bucks for the first BT. In other words, will breaking the BT's into a bunch of $1500 BT's get you an extra couple bucks?

If this card is like the Citi Dividend Platinum Mastercard - then you get $5 dividend per every BT over $1.5k, I'm not sure about breaking it up into multiple $1500 BT's. You can only request one check at a time from the website (or 1 check and 4 BTs to other cc's), so perhaps once each day would work. I'm currently facing the same issue on my Citi Dividend Mastercard as I have no-fee BT offer and need to drain $30k+ from the account. Lovely think about Citi is, that the BT checks don't post until they are actually cashed at your bank. However, electronic BTs to other cc's post right away.

sounds good. I'm in.

jairocon said:markkundinger said:I wonder if it's 5 bucks per BT, or just 5 bucks for the first BT. In other words, will breaking the BT's into a bunch of $1500 BT's get you an extra couple bucks?

If this card is like the Citi Dividend Platinum Mastercard - then you get $5 dividend per every BT over $1.5k, I'm not sure about breaking it up into multiple $1500 BT's. You can only request one check at a time from the website (or 1 check and 4 BTs to other cc's), so perhaps once each day would work. I'm currently facing the same issue on my Citi Dividend Mastercard as I have no-fee BT offer and need to drain $30k+ from the account. Lovely think about Citi is, that the BT checks don't post until they are actually cashed at your bank. However, electronic BTs to other cc's post right away.

Buyer beware. Read the T&C carefully. You pay a BT fee of 3% of the amount of each BT ubject to a $5 min and $75 max. Doesn't make sense to pay $45 in BT fees (for a $1500 BT) just to get a $5 cash-back. BTW, since there is a cap of $75, any BT over $2.5k is effectively BT fee free. Hence best to make a single large BT. HTH.

I understand that there is no BT fee during the promotion period and hence it is best to split into multiple 1.5k BTs. But otherwise the $5 cash-back per BT is a scam.

thanks OP!

so this is better than the 'geniune' citibank dividends card in that it gives you 5%, vs. the 1%...

but this card won't be accepted at places that don't process AMEX transactions?


why not get a full AMEX card. ( I got blue cash already)

loudoo said:, Blue Cash is tiered. 5% doesn't kick in until you are over $6500. Only 1% for anything under $6500.

Citi is 5% from the get-go I believe.
I am still trying to get up to the $6500 on my Blue Cash. I figured I'd get there paying my daughter's tuition, only to find that they do not take AMEX . And I use my Costco AMEX for dining and travel and my Citi Dividends (and formerly AT&T) for supermarket/drug/gas.

The advantage of Blue Cash is (I believe) there is no limit to the rebate you can get.

billrubin said:loudoo said:, Blue Cash is tiered. 5% doesn't kick in until you are over $6500. Only 1% for anything under $6500.

Citi is 5% from the get-go I believe.
I am still trying to get up to the $6500 on my Blue Cash. I figured I'd get there paying my daughter's tuition, only to find that they do not take AMEX . And I use my Costco AMEX for dining and travel and my Citi Dividends (and formerly AT&T) for supermarket/drug/gas.

The advantage of Blue Cash is (I believe) there is no limit to the rebate you can get.
Blue Cash has a $50,000 spending limit with the two tiers <6500 and >6500.

can you have more than one of the same exact card in your name?

I called to apply and they said a maximum dividend of $300 a year. is this true?