5% Cash Back on supermarket, Drugstore, and gas station purchases 1% Cash Back everywhere else 0% APR on BT until 8/1/07, no BT fee with this offer*** $5 Cash Back on BT more than $1500 No annual fee
*** First BT and 100$ in purchases must post to account and not be returned within 3 months of becoming a cardmember to receive this rate until Nov. 1, 2007. Otherwise rate lasts until July 1, 2007. BT, Cash advances, and finance charges do not qualify as purchases under this offer.
www.signup.citicards.com OFFER CODE: F2G4
Or call 1-800-491-3492 by Sept. 15, 2006.
edit: Found new offer that is identical, except the months are different. (and different offer code / phone number.)
So I presume to avoid carrying higher rate on purchases (not that $100 carried matters...) you'd do the $100 purch, pay it off, THEN do the BT? Assume you can get the BT say 5 weeks after opening?
Wow...kudos to Citibank for having been putting out quite some KILLER deals lately. Too bad you can only apply for 2 Citi cards max in 60 days. I want them all!
XeroK00L said: Wow...kudos to Citibank for having been putting out quite some KILLER deals lately. Too bad you can only apply for 2 Citi cards max in 60 days. I want them all!
not true. My last app-o-rama, I got 4 citi cards and a citi-at&t universal card in one day.
GuitarsRLife said: XeroK00L said: Wow...kudos to Citibank for having been putting out quite some KILLER deals lately. Too bad you can only apply for 2 Citi cards max in 60 days. I want them all!
not true. My last app-o-rama, I got 4 citi cards and a citi-at&t universal card in one day.Really...I must have been rejected for some other undisclosed reason when I applied for the 3rd Citi card in my AOR then. The only reason Citi gave me in my rejection letter was that I had "reached the maximum number of 2 new Citibank credit cards in the last 60 days".
Anyway, this is a hot deal. If one has a CL of $10,000 (either given initially or by combining CLs of other Citi cards) this deal is effectively a free $500Cash Back deal! And you can pay off the BT balance immediately if you don't want your credit score to be kept low.
my recent AOR, I was approved for 5...2 prof cards, 2 regular cards (simp and dia.), and 1 citi biz. I will probably try the same combo. during my next AOR next month but do the premier pass cards since they give 150 buck credit....cardoffers has additional bonus for the citi biz premier pass...
awara
Member
posted: Jul. 17, 2006 @ 5:47p
Anyone know of an offer for the Citi Dividend AMEX with 10K bonus points or something similar? I would like to get this card and the 10K bonus points are my preferred options. No value for BT for me as I pay my card in full every month. Thanks.
dmdog69
Senior Member
posted: Jul. 17, 2006 @ 5:51p
I just recieved this card this week. I love it because it has a million perks including all of AMEX's. Basically I am saving 15 cents a gallon on fuel alone. In the past week I already spent over $500's using it.
awara said: Anyone know of an offer for the Citi Dividend AMEX with 10K bonus points or something similar? I would like to get this card and the 10K bonus points are my preferred options. No value for BT for me as I pay my card in full every month. Thanks.I think you misunderstood the deal. The deal only requires a $1,500 BT to get a 5% Cash Back on the BT. It is NOT asking you to maintain the balance for an extended period. You can pay it off in full right away and still get the 5% Cash Back. At least that's my understanding of the deal.
markkundinger
Senior Member - 2K
posted: Jul. 17, 2006 @ 7:10p
So, it sounds like the optimum order to play this card would be:
1) Get card.
2) Make either $100 in purchases, or $900 in 5% purchases (to get $45 dividend accumulated). Either way, do it quick.
3) Pay it off.
4) Make a big BT within 3 months, and enjoy the 0%. If you already accumulated $45 in dividend, then the BT will get you an extra $5, which will mean it's a redeemable amount of $50.
markkundinger said: So, it sounds like the optimum order to play this card would be:
1) Get card.
2) Make either $100 in purchases, or $900 in 5% purchases (to get $45 dividend accumulated). Either way, do it quick.
3) Pay it off.
4) Make a big BT within 3 months, and enjoy the 0%. If you already accumulated $45 in dividend, then the BT will get you an extra $5, which will mean it's a redeemable amount of $50.
Sound right?The offer does not mention a limit of just $50 so you can earn a lot more from BT. I did forget about the maximum of $300 Cash Back per year in my previous post. So after making a $100 purchase and getting $5 Cash Back, you can do a balance transfer of ($300 - $5) / 5% = $5900 to get a full $300 Cash Back easily. Since you'll max out the annual dividend by then, just switch to another 5% Citi card and continue to earn 5% on your everyday purchases.
highmktgoods
Senior Member
posted: Jul. 17, 2006 @ 7:23p
XeroK00L said: awara said: Anyone know of an offer for the Citi Dividend AMEX with 10K bonus points or something similar? I would like to get this card and the 10K bonus points are my preferred options. No value for BT for me as I pay my card in full every month. Thanks.I think you misunderstood the deal. The deal only requires a $1,500 BT to get a 5%Cash Back on the BT. It is NOT asking you to maintain the balance for an extended period. You can pay it off in full right away and still get the 5% Cash Back. At least that's my understanding of the deal.
If you re-read the OP, you'll see that you get FIVE DOLLARS if you do a BT over $1500, NOT 5%.
highmktgoods said: XeroK00L said: awara said: Anyone know of an offer for the Citi Dividend AMEX with 10K bonus points or something similar? I would like to get this card and the 10K bonus points are my preferred options. No value for BT for me as I pay my card in full every month. Thanks.I think you misunderstood the deal. The deal only requires a $1,500 BT to get a 5%Cash Back on the BT. It is NOT asking you to maintain the balance for an extended period. You can pay it off in full right away and still get the 5% Cash Back. At least that's my understanding of the deal.
If you re-read the OP, you'll see that you get FIVE DOLLARS if you do a BT over $1500, NOT 5%.Doh!! I must've been blind. Please disregard all my posts above. This offer is nothing out of ordinary. My apologies once again.
highmktgoods
Senior Member
posted: Jul. 17, 2006 @ 7:28p
dmdog69 said: I just recieved this card this week. I love it because it has a million perks including all of AMEX's. Basically I am saving 15 cents a gallon on fuel alone. In the past week I already spent over $500's using it. Yeah, a big perk comes from using it at Costco fuel stations. Currently, I use my AMEX Blue Cash (I've spent more than $6500 so I get 5% at gas stations already) but I would use this card instead of having to go without the 5% until I reach the 6500 spending on my blue cash.
highmktgoods said: Yeah, a big perk comes from using it at Costco fuel stations.I doubt this would pay 5%. Can anyone confirm from experience?
BobG
Happy Member
posted: Jul. 17, 2006 @ 8:19p
DaveHanson said: highmktgoods said: Yeah, a big perk comes from using it at Costco fuel stations.I doubt this would pay 5%. Can anyone confirm from experience?
My quicken downloads show costco gas as an "auto fuel dispenser" for all of my AMEX cards. I can confirm that AMEX has given me bonus membership rewards for costco gas. It's waaay too much work to try to duplicate AMEX blue's rebate calculation. I'd be surprised if AMEX implemented a different category for blue versus regular cards.
sandy05
Senior Member - 1K
posted: Jul. 17, 2006 @ 8:22p
XeroK00L said: GuitarsRLife said: XeroK00L said: Wow...kudos to Citibank for having been putting out quite some KILLER deals lately. Too bad you can only apply for 2 Citi cards max in 60 days. I want them all!
not true. My last app-o-rama, I got 4 citi cards and a citi-at&t universal card in one day.Really...I must have been rejected for some other undisclosed reason when I applied for the 3rd Citi card in my AOR then. The only reason Citi gave me in my rejection letter was that I had "reached the maximum number of 2 new Citibank credit cards in the last 60 days".\\
I got denied for the same reason (60 days). May be its because it was my first citi card
dlr3
Senior Member
posted: Jul. 17, 2006 @ 8:56p
BobG said: My quicken downloads show costco gas as an "auto fuel dispenser" for all of my AMEX cards. I can confirm that AMEX has given me bonus membership rewards for costco gas. It's waaay too much work to try to duplicate AMEX blue's rebate calculation. I'd be surprised if AMEX implemented a different category for blue versus regular cards.Citi handles all consumer aspects of the co-branded card. AM3X only provides the network - so wouldn't this mean that the card follows citi purchase categorization?
BobG said: My quicken downloads show costco gas as an "auto fuel dispenser" for all of my AMEX cards. I can confirm that AMEX has given me bonus membership rewards for costco gas. It's waaay too much work to try to duplicate AMEX blue's rebate calculation. I'd be surprised if AMEX implemented a different category for blue versus regular cards.For Blue, they don't consider Costco gas everyday spending. This is often the case with warehouse clubs (Discover gives a lower rate at Sam's clubs, for instance.) It's certainly possible that things would be different with Citi Amexs, but I doubt it...
since this is AMEX, anyone know if there would be a problem taking an existing credit line on an existing Citi Div MC or Visa, and transfering it to the new AMEX?
obviously, Citi has allowed this in the past if the cards were both MC or Visas.
markkundinger
Senior Member - 2K
posted: Jul. 17, 2006 @ 10:41p
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?
Moocher8
Member
posted: Jul. 17, 2006 @ 11:11p
teammjs said: since this is AMEX, anyone know if there would be a problem taking an existing credit line on an existing Citi Div MC or Visa, and transfering it to the new AMEX?
obviously, Citi has allowed this in the past if the cards were both MC or Visas.
There won't be a problem.
jairocon
Senior Member - 1K
posted: Jul. 18, 2006 @ 4:56a
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.
I currently have 4 Citi cards and had a couple of new BT offers I wanted to take advantage of. Am I going to be rejected for sure or should I add this one to my next mini-aor? Or, should I instead use my wife's info? She only shows 1 Citi card.
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.
XeroK00L said: highmktgoods said: XeroK00L said: awara said: Anyone know of an offer for the Citi Dividend AMEX with 10K bonus points or something similar? I would like to get this card and the 10K bonus points are my preferred options. No value for BT for me as I pay my card in full every month. Thanks.I think you misunderstood the deal. The deal only requires a $1,500 BT to get a 5%Cash Back on the BT. It is NOT asking you to maintain the balance for an extended period. You can pay it off in full right away and still get the 5% Cash Back. At least that's my understanding of the deal.
If you re-read the OP, you'll see that you get FIVE DOLLARS if you do a BT over $1500, NOT 5%.Doh!! I must've been blind. Please disregard all my posts above. This offer is nothing out of ordinary. My apologies once again.
damn, i only applied cuz i thought i was going to get 5%. oh well. as long as i get a decent limit to bl ill be happy.
kaola said: How does this card compared to Citi Diamond Preferred Rewards American Express Card, which comes $100 GC bonus with first pruchase? This one gives you Cash Back, the Rewards card makes you take gift cards (I assume, that is what I have seen in the past).
This one has a very generous 0% rate for a year, I assume the other one doesn't.
I'd rather have the $100 as well, but I want cash instead of gift cards.
kabukicho
Senior Member
posted: Jul. 29, 2006 @ 10:42a
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
Member
posted: Jul. 29, 2006 @ 12:04p
kabukicho said: why not get a full AMEX card. ( I got blue cash already)
The way I read it, Blue Cash is tiered. 5% doesn't kick in until you are over $6500. Only 1% for anything under $6500.
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.
Would it be possible to use the Citi Dividend AMEX with my Citi Dividend MC? Reason I ask is that I max out the $300 reward limit in 6 months and it would be nice to have another card to use to get another $300 Cash Back.
I currently have the Citi Dividend MC and AMEX Blue Cash and what sucks with the Blue Cash is the tiered rewards structure.
ruggs183
Senior Member - 1K
posted: Aug. 1, 2006 @ 10:43p
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.
paolobeltran said: Would it be possible to use the Citi Dividend AMEX with my Citi Dividend MC? Reason I ask is that I max out the $300 reward limit in 6 months and it would be nice to have another card to use to get another $300 Cash Back. You could probably just get a second Dividend MC.
ruggs183
Senior Member - 1K
posted: Aug. 1, 2006 @ 11:57p
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?
Skipping 17 Messages...
ChrisV
Senior Member
posted: Sep. 15, 2006 @ 1:50p
*bump* for the last day of applying for this on the current offer code listed here.
I know they can yank out the terms at anytime to change down to 2% but figure they will at least let you have them for a year. Anyone who have Dividend AMEX get the dreaded "letter" yet?
Anyone have any other offer codes with longer BT's or later expiration date?
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