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Note: 6% cashback rate was obtained by combining regular 1% cashback rate of this card with the average 5% cashback rate of the Citi Bonus Cash Center rate that Citibank claims on its website(see here). The maximal cashback that I was able to find is 40% for eHarmony (see here), which turns to 41% maximal cashback, when combined with regular 1% cashback.
Terms:
Earn a full 1% cash back on every purchase and on cash advances taken at the standard cash advance rate
$100 cash back after $500 in purchases within the first 3 months of account opening.
Plus, get 0% introductory APR on balance transfers and purchases for 12 months. After that, the APR will be
12.99%–22.99% variable based on your creditworthiness.
Earn 5% cash back on eligible purchases at Zappos.com, fitness clubs and drugstores from January 1, 2013 through March 31, 2013 when you enroll. Enroll at no additional cost each quarter for new categories that earn additional cash back. To learn more, visit www.dividendquarterlyoffer.citi.com
1% cash back on all other purchases.
5% additional cash back on average at over 400 stores through the Citi Bonus Cash Center®.
No annual fee.
Length of your introductory period will be 0% for 12 months from date of account opening when balance transfers are completed within 4 months from date of account opening and 0% for 12 months on purchases from date of account opening. After the introductory period ends, the standard purchase APR will be applied to unpaid introductory balances and new purchases. The standard variable APR for purchases is either 12.99%, 16.99% or 22.99% based on your creditworthiness, standard variable APR for cash advances —25.24%. The variable Penalty APR is up to 29.99% and may be applied if you make a late payment or make a payment that is returned. Minimum interest charge — $0.50. Fee for Foreign Purchases — 3% of the U.S. dollar amount of each purchase made outside the U.S. Cash advance fee — Either $10 or 5% of the amount of each advance, whichever is greater. Balance transfer fee — Either $5 or 3% of the amount of each transfer, whichever is greater. New cardmembers only. Subject to credit approval. Additional limitations, terms and conditions apply. You will be given further information when you apply.
The $100 cash back offer and cash back earned on purchases through the Citi Bonus Cash Center are not subject to your annual maximum accumulation.
Shop Online
Make the Citi Bonus Cash Center your online shopping destination. You have to shop through this site to earn your bonus cash back. It’s how we track your transaction. You can earn an average of 5% cash back on your purchases.
Buy Gift Cards
Shop through the Citi Bonus Cash Center when you choose from hundreds of restaurant and merchant gift cards nationwide.
Shop in your Neighborhood
Shop locally at participating merchants and let the cash back add up. Check back often to see which new merchants have been added in your area.
Special Offers
Check this area often since new offers, like free shipping and extra discounts, are added frequently. These offers are primarily online deals and savings brought to you by the Citi Bonus Cash Center merchant partners.
Daily Deal
Every day there is a new deal that earns you at least 15% cash back. This area is product focused and you will have the opportunity to purchase immediately.
Dining
Make your reservation, enjoy a great meal and earn cash back. Or, find a participating restaurant and dine out immediately. Once you get your check, make sure you pay with your eligible Citi card.
Travel
Book your travel through the Citi Bonus Cash Center. While incredibly easy and convenient, it’s a great way to earn bonus cash back.
Catalog
You can order from your favorite catalogs from participating merchants. To earn, you must use your eligible Citi card when you purchase.
