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.)
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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...
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 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.
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.
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.
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.
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.
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
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...
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