mountainview posted this little gem here, but I felt it deserved its own thread.

OLD LINK. Don't use, see below.

"Automatic Cash.Back on purchases. Who wouldn’t like that? With the Citi CashReturnsSM MasterCard®, you’ll earn 5% Cash.Back on all purchases for 3 months and 1% thereafter. It’s smart, it’s simple, it’s automatic. Receive your Cash.Back redemption check automatically after you earn 50 CitiDollarsSM. Plus, there's no limit to the amount of Cash.Back you can earn."

No limit? Even for the first 3 months? I see no mention of any caps for Cash.Back during the promotional period.

Update 4/24

Citi's latest version of CashReturns is useless, but this link still has the original offer:

https://www.citicards.com/cards/wv/copy.do?screenID=1381

Be careful to take snapshots of the offer page and T&C in case Citi neglects to give you the correct version.

Update 5/17

The screenID=1381 link no longer works. Use the link below.

https://www.citicards.com/cards/wv/copy.do?screenID=1388

Update 6/3

ScreenID=1388 appears dead. The link below is through a third party. YMMV.

OLD bridgetrack version - DEAD

Update 9/3

Original bridgetrack link is dead. The one below looks promising. [insert obligatory disclaimer here.]

Latest bridgetrack version - DEAD 9/4

Update 9/4

9/3 link is dead. Could be game over.

Important advice from MikeR397...PLEASE READ:

MikeR397 said:Don't tell Citi the web address you applied to. All it takes is for a CSR to report that to a manager, who then says "wait, that promo should have already been shut down," and then take adverse action to our little hidden gem.

For those of you who are worried that the bridgetrack link's T&C page says nothing about 5% cash.back, you can be reasonably sure you will get the full 5% if the APR on purchases says 7.74% (i.e., prime + 2.24%.)

The crappy 1.2% version of CashReturns carries an APR of 9.99%.

Wow, where was this when I bought my boat a few months back... this would be great for anyone planning a very large CC purchase.

awesome, this one beats the keybank capped card.

but sheesh, this is one ugly card.

ewww

Intersting. Very interesting. Time to start haggling those car salesman to allow max CC charge. Or buy a bunch of bonds? Hope this card sticks around until November...

Kind of no easy way to get the most out from this card...no 0% APR on purchase and no cap on BT fee. Good, if u charge a lot of $$$$$.

what are the fees to paypal money to yourself?

what's wrong with Experian?

Also another question - do you have to pay a balance transfer fee for the initial balance transfer?

Is it possible to convert another citi card to this in order to take advantage of the 5% Cash Back?

I think if you try to Paypal a huge amount of money, they will probably lock the account due to activity out of character

u2head8 said:Kind of no easy way to get the most out from this card...no 0% APR on purchase and no cap on BT fee. Good, if u charge a lot of $$$$$.

does it have to be easy for you too? NO ONE WOULD WANT TO DO A BT ON THIS CARD ANYWAYS, THATS NOT WHAT ANY 5% CARD I HAVE EVER SEEN SHOULD BE USED FOR.