Our partner, Citibank, is offering Citi Strata Premier Card, which gives out a rich bonus of 75,000 points, redeemable for $750 in cash rewards at thankyou.com. You will earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com. You will also earn 3 ThankYou Points for every dollar you spend at supermarkets, restaurants, gas stations, airlines, and other hotels. Citi Strata Premier Card lets you enjoy $100 off a single hotel stay of $500 or more once each calendar year, when it is booked through CitiTravel.com.

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Citi Strata Premier^℠ Card

• For a limited time, earn 75,000 bonus ThankYou^® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com.
• Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
• Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
• Earn 1 Point per $1 spent on all other purchases
• $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
• No expiration and no limit to the amount of points you can earn with this card
• No Foreign Transaction Fees on purchases

Intro APR

N/A

Intro APR Period

N/A

Annual Fee (rates & fees)

$95

Credit Needed

Excellent, Good

Other Credit Card Bonus valued at $200+

Many other credit cards are also offering a bonus of $200 or more. Here are the credit cards that give out good bonus.

Credit Card Bonus of $200+

Credit Card		Bonus	Annual Fee
	Chase Sapphire Preferred® Card	60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.	$95
	Citi Double Cash® Card	$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back.	$0 rates & fees
	Citi Custom Cash® Card	$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back.	$0 rates & fees
	Citi Rewards+® Card	20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com	$0 rates & fees
	Blue Cash Preferred® Card from American Express	$250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.	$0 intro annual fee for the first year, then $95. rates & fees
	Blue Cash Everyday® Card from American Express	$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.	$0 rates & fees
	First Tech Odyssey Rewards™ World Elite Mastercard®	Get 30,000 bonus reward points when you spend at least $3,000 in your first 90 days¹. That's $300 in value!	$0 intro annual fee first year, then $75 thereafter
	USAA Eagle Navigator® Credit Card	Earn 30,000 bonus points ($300 travel value) after spending $3,000 on qualifying purchases within 90 days of account opening.	$95 (rates & fees)
	USAA Preferred Cash Rewards Credit Card	Earn a $200 reward bonus when you spend $1,000 on qualifying purchases within 90 days of account opening.	$0 (rates & fees)

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Alliant Credit Union CD's - up to 4.15% APY

• Low minimum deposit of only $1,000; no maximum⁵⁷
• Jumbo certificates may be available for a higher rate if you deposit $75,000 or more⁵⁷
• Choose from a variety of maturity dates including 12-month and 60-month terms⁵⁷
• Dividends compounded every month and at maturity⁵⁷
• Funds are insured up to $250,000 by NCUA
• Alliant Credit Union is a not-for-profit financial cooperative, which means that all of our members are also owners. Our members-first philosophy has always served us well. With over 85 years of history and more than $19 billion in assets, Alliant Credit Union is the largest credit union in Illinois and one of the largest in the nation. Our excellent online, mobile and phone banking services, combined with our full suite of competitive products, make banking simpler for our 800,000+ members nationwide.
  
  Disclosure 57. See https://www.alliantcreditunion.org/disclosures#certificates for disclosure details.

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Key Smart Checking^®

• Earn $300 after qualified activities until 05.16.25 with the no-monthly-maintenance-fee Key Smart Checking^®.
• Open a Key Smart Checking^® account online by May 16, 2025.
• Make the minimum opening deposit of $10, plus one single eligible direct deposit of at least $1,000 within the first 60 days of account opening.
• Your $300 cash bonus will be deposited into your account within 60 days of meeting requirements. Account must not be closed at the time of gift payment.
• Earn better interest rates on savings and money market accounts, more cash back, loan discounts and more with KeyBank's Relationship Benefits.
• Get paid up to two days early with eligible direct deposits to a KeyBank account.
• Use EasyUp^® to build up savings or pay down debt without even thinking about it.
• If your account's overdrawn by $20 or less at the end of the day, you won't see an overdraft fee from KeyBank.
• Set custom account alerts so you can receive text or email updates about the account information that's important to you.
• Deposit checks in the mobile app, pay bills, send money, lock/unlock cards and more.
• Geographic restrictions apply and account opening is subject to approval. Offer is available in these states: AK, CO, CT, ID, IN, ME, MA, MI, NY, OH, OR, PA, UT, VT, WA

The post KeyBank Checking appeared first on CardBenefit.

Overview

Citi Strata Premier^℠ Card, issued by our partner Citibank, is a consumer credit card that offers rich bonus and generous rewards on everyday purchases. It not only hands out a bounty of $750 value, which is among the best sign-up bonus rewards of any credit cards, but also offers cardholders 3 rewards points for each dollar spent in grocery, dining, travel, and gas. All of those spending categories are the most common purchases for consumers.

Apply Now

Citi Strata Premier^℠ Card

• For a limited time, earn 75,000 bonus ThankYou^® Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com.
• Earn 10 points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
• Earn 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
• Earn 1 Point per $1 spent on all other purchases
• $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
• No expiration and no limit to the amount of points you can earn with this card
• No Foreign Transaction Fees on purchases

Intro APR

N/A

Intro APR Period

N/A

Annual Fee (rates & fees)

$95

Credit Needed

Excellent, Good

Card Benefits

Sign-up Bonus

For a limited time, if you spend $4,000 or more in purchases on the credit card within your first 3 months of becoming a card member, you will receive a bonus of 75,000 points, which can be redeemed for $750 in cash rewards or gift cards at thankyou.com. Earning the bonus of $750 value is like receiving a 18.75% discount on your first $4,000 in purchases, which is an easy way to put more cash rewards back in your pocket. Those applicants who recently received a new account bonus for a Citi Premier or Citi Strata Premier Card account in the past 48 months will not be eligible for the 75,000 points bonus rewards.

How to Earn Rewards

You will earn 10 points per $1 spent on hotels, car rentals, and attractions booked on CitiTravel.com. You will also earn 3 ThankYou Points for every dollar you spend at supermarkets, restaurants, gas stations or EV charging stations, airlines, and other hotels. For every dollar you spend on all other purchases, you will also earn 1 point.

For instance, if you spend $5,000 on gas, $5,000 on dining out, $10,000 on groceries, $10,000 on travel, and $10,000 on everything else in a year, you will receive 100,000 ThankYou rewards points, redeemable for $1,000 in cash rewards. You can use our rewards calculator to find out how many rewards points you may receive.

How to Redeem Rewards

Points can be redeemed for cash rewards or statement credit, gift cards, travel, or merchandise. Redemption for cash rewards starts at 500 points for $5. When you use points to redeem for gift cards, each point is worth 1 cent, which means that 100 points equals $1 in redemption value. Redemption for gift cards starts at 2,500 points for a $25 gift card. There are a wide variety of store gift cards that you can choose from at thankyou.com, such as Target, Home Depot, Lowe’s, Macy’s, GAP, Old Navy, Sephora, Legal Sea Foods, Red Lobster, Chili’s, etc. You can easily redeem points for gift cards of your favorite retail stores or restaurants.

$100 Annual Hotel Savings Benefit

Once per calendar year, the primary cardmember can book a hotel stay of $500 or more through CitiTravel.com and enjoy $100 off the hotel stay. To receive the $100 annual hotel savings, you must pre-pay for your complete stay with your Citi Strata Premier Card, ThankYou Points, or a combination thereof. If you choose to use the benefit, the $100 annual hotel savings will be applied at the time of hotel reservation.

Additional Information

Fees

This credit card has an annual fee of $95. It has no foreign transaction fees on purchases that you make in foreign countries.

Required Credit Rating

The Citi Strata Premier Card is for people with good or excellent credit scores. If you have a FICO credit score of 700 or above, you may be eligible for the card offer.

Is this the right card for you?

If you are looking for a credit card with great bonus and rewards on everyday purchases, the Citi Strata Premier^℠ Card is one of the best credit cards for that purpose. You can earn a generous bonus of 75,000 points points, redeemable for $750, and 3X rewards on purchases on some of your most frequent purchases such as grocery, dining, travel, gas. In addition, this credit card charges no foreign transaction fees. Although the Citi Strata Premier^℠ Card has a moderate annual fee, its value has far outweighed the cost of the annual fee.

Similar Credit Cards with Bonus Rewards

If you are interested in the Citi Strata Premier^℠ Card, you may also consider the following credit cards with similar benefits.

Credit Card Bonus valued at $500 or More

Credit Card		Bonus	Annual Fee
	Chase Sapphire Preferred® Card	60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.	$95
	Chase Sapphire Reserve®	60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.	$550
	American Express® Gold Card	60,000 Membership Rewards points after you spend $6,000 on eligible purchases on your new Card in your first 6 months of Card Membership.	$325 rates & fees
	The Platinum Card® from American Express	80,000 Membership Rewards Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership.	$695 rates & fees

Credit Card Bonus valued at $250 or $300

Credit Card		Bonus	Annual Fee
	Blue Cash Preferred® Card from American Express	$250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months.	$0 intro annual fee for the first year, then $95. rates & fees
	USAA Eagle Navigator® Credit Card	Earn 30,000 bonus points ($300 travel value) after spending $3,000 on qualifying purchases within 90 days of account opening.	$95 (rates & fees)
	First Tech Odyssey Rewards™ World Elite Mastercard®	Get 30,000 bonus reward points when you spend at least $3,000 in your first 90 days¹. That's $300 in value!	$0 intro annual fee first year, then $75 thereafter
	The American Express Blue Business Cash™ Card	$250 statement credit after you make $3,000 in purchases on your Card in your first 3 months.	$0 rates & fees

Credit Card Bonus valued at $200

Credit Card		Bonus	Annual Fee
	Citi Rewards+® Card	20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com	$0 rates & fees
	Citi Custom Cash® Card	$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back.	$0 rates & fees
	Citi Double Cash® Card	$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back.	$0 rates & fees
	Blue Cash Everyday® Card from American Express	$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.	$0 rates & fees
	USAA Preferred Cash Rewards Credit Card	Earn a $200 reward bonus when you spend $1,000 on qualifying purchases within 90 days of account opening.	$0 (rates & fees)
	Choice Rewards World Mastercard®	20,000 bonus Rewards Points when you spend $3,000 in the first 60 days	$0

The post Citi Strata Premier Card Review – 75,000 Bonus Points and 3X Rewards appeared first on CardBenefit.

Overview

Chase Sapphire Preferred Card is a premier travel credit card designed to deliver exceptional experiences. Upon meeting specified spending requirements, you can earn an enticing bonus of 60,000 points, redeemable for $750 in Chase Travel^℠ value. Notably, you can accumulate up to 5 points per dollar spent on travel and 3 points per dollar on dining purchases. Setting itself apart, this card allows for a 1:1 transfer of points to a selection of renowned frequent flyer programs or hotel loyalty programs.

Apply Now

Chase Sapphire Preferred^® Card

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
• Enjoy benefits such as 5x on travel purchased through Chase Travel^℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel^℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2027.
• Member FDIC

Intro APR

N/A

Intro APR Period

N/A

Annual Fee

$95

Credit Needed

Good to Excellent

Card Benefits

Sign-up Bonus

Chase Sapphire Preferred Card is currently running a limited time offer to give out a bonus of up to $750 in Chase Travel value. If you spend at least $4,000 in purchases within your first 3 months of becoming a card member, you will receive a bonus of 60,000 points, which can be redeemed for cash rewards of $600. If you redeem for travel rewards through Chase Travel, you can redeem for $750. Redemption for travel gives you 25% more in value than redemption for cash rewards. In addition, you can also receive a $50 Chase Travel Hotel Credit annually to pay towards hotel expenses.

Earn Rewards

For every dollar you spend, you will earn 5 points on travel purchased through Chase Travel, 3 points on dining, 3 points on online grocery purchases (excluding Walmart, Target, and wholesale clubs), 3 points on select streaming services, 2 points on all other travel purchases, and 1 point on all other purchases. Points can be redeemed for cash rewards, gift cards, or travel. When you use points to redeem for cash, each point is worth 1 cent, which means that 100 points equals $1 in redemption value. Each point you redeem for travel booked through Chase Travel is worth 1.25 cents, which means that 100 points equals $1.25 in redemption value.

Your points don’t expire as long as your account remains open, however, you will immediately lose all your points if your account status changes, or your account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy.

1:1 Point Transfer to Leading Frequent Travel Programs

Chase Sapphire Preferred Card allows you to transfer points to leading frequent travel programs at a full 1:1 value with no transfer fees. Frequent travel programs include popular travel loyalty programs of the following airlines and hotels:

Additional Travel Benefits

On top of all the nice features, Chase Sapphire Preferred Card does not charge foreign transaction fees. Most other credit cards charge 3% foreign transaction fees, which costs you extra $30 for each $1,000 you spend while traveling abroad. With no foreign transaction fees, Chase Sapphire Preferred Card is one of the best travel cards to use when you visit overseas for business trips or personal vacations.

Additional Information

Fees

There is an annual fee of $95. With all the travel benefits and a generous bonus, frequent travelers can easily earn enough rewards to offset the cost of annual fee.

Required Credit Rating

The Chase Sapphire Preferred Card is for people with good or excellent credit rating. If you have a credit score of 700 or more, you may be eligible for the credit card.

Is this the right card for you?

If you value rewards and like travel benefits such as 1-to-1 point transfer to travel loyalty programs, the Chase Sapphire Preferred Card is the right card for you. It is a travel credit card with no foreign transaction fees. It offers solid rewards on travel and dining purchases.

This credit card has a low annual fee of $95, but it offers rich bonus points for new card members, which can offset more than a few years of annual fee. In addition, its generous rewards and valuable travel perks make it a useful credit card for travelers.

Similar Credit Cards

If you are interested in the Chase Sapphire Preferred Card, you may also consider a few other travel credit cards with similar benefits.

Rewards Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Citi Strata Premier℠ Card	For a limited time, earn 75,000 bonus ThankYou Points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards at thankyou.com. 3 points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations. 1 Point per $1 spent on all other purchases	$95 rates & fees
	Citi Custom Cash® Card	$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back. 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.	$0 rates & fees
	Blue Cash Preferred® Card from American Express	$250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months. 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back at U.S. gas stations. 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases.	$0 intro annual fee for the first year, then $95. rates & fees
	Chase Freedom Unlimited®	Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.	$0
	Citi Rewards+® Card	20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com 2X ThankYou Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou Points on All Other Purchases.	$0 rates & fees
	Costco Anywhere Visa® Card by Citi	4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter 3% cash back on restaurants and eligible travel purchases 2% cash back on all other purchases from Costco and Costco.com 1% cash back on all other purchases	$0 rates & fees

The post Chase Sapphire Preferred Card Review appeared first on CardBenefit.

Overview

If you need a credit card that offers straightforward cash rewards, consider Citi Double Cash Card, issued by our partner Citibank. This credit card provides a $200 bonus cash back along with a consistent 2% cash back on all purchases. It allows you to earn an unlimited 1% cash back when making purchases, with an additional 1% cash back as you pay for those transactions. As of October 2024, it is running a special offer to give out 5% cash back on eligible travel purchases through 12/31/25. The card also features no annual fee and 0% introductory APR on balance transfers for the first 18 months.

Card Summary

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Citi Double Cash^® Card

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back.
• Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
  Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel^℠ portal through 12/31/25.
• Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
• Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
• If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Intro APR

0% on Balance Transfers

Intro APR Period

18 months

Annual Fee (rates & fees)

$0

Credit Needed

Excellent, Good, Fair

Card Benefits

Special Offer: $200 Cash Back Bonus

Citi Double Cash Card users have the opportunity to earn a $200 cash rewards bonus by making $1,500 in purchases within the initial 6 months. Receiving this $200 cash rewards bonus translates to a 13% discount on the first $1,500 spent — an effortless means of increasing the cash back in your wallet.

Cash Back: How Citi Double Cash Works

By earning 1% cash back when making purchases and an additional 1% when paying off the balance, you accumulate a total of 2% cash back on all your expenditures. The cash back has no limits, and as long as your account remains open, your earned rewards don’t expire.

In addition, Citi Double Cash Card is running a special travel offer to let you earn 5% cash back on hotel, car rentals and attractions booked on the Citi Travel^℠ portal through 12/31/25.

Illustratively, if your annual card spending amounts to $30,000, including $6,000 in eligible travel purchases of 5% cash back, you will receive $780 in cash back rewards. You can utilize our cash rewards calculator to determine the potential cash back rewards based on your specific expenditures.

0% Introductory APR

Additionally, it offers a 0% introductory APR on balance transfers, enabling you to transfer your current credit card balance and benefit from an extended period of 18 months with no interest. This provides an opportunity to save on interest costs. Post the introductory period, a go-to rate of 18.49% - 28.49% (variable) applies.

Fees

Citi Double Cash Card boasts a zero annual fee, allowing you to retain the card without incurring any charges. On the other hand, it has foreign transaction fees at 3% of each transaction in U.S. dollars. If you’re planning to use a credit card for international transactions, it’s crucial to be aware of any foreign transaction fees and consider other cards that may offer more favorable terms for overseas spending if that’s a significant part of your financial activity.

Required Credit Rating

Citi Double Cash Card is tailored for individuals with an excellent, good, or fair credit profile.

Bottom Line

To recap, here are the main pros and cons when considering Citi Double Cash Card:

Pros

Double Cash Back: Citi Double Cash Card provides a unique structure where you earn 1% cash back on all purchases when you make them and an additional 1% cash back when you pay them off. This effectively gives you 2% cash back on every purchase, making it competitive in the cash back rewards category.

Sign-Up Bonus: The card offers a sign-up bonus of $200 cash, which makes it quite attractive.

No Annual Fee: Citi Double Cash Card does not charge an annual fee, making it a cost-effective option for cardholders.

Simplicity: The card’s structure eliminates the need to navigate through different spending categories or deal with quarterly changes, offering a straightforward way to earn rewards on all purchases.

Acceptance: Citi Double Cash Card is a Mastercard, which is accepted at nearly every merchant that accepts credit cards, both in the US and internationally.

Balance Transfer Intro APR: The card typically offers a 0% introductory APR on balance transfers for a long period of 18 months, providing a potential benefit for those looking to transfer and manage existing credit card debt.

Cons

Foreign Transaction Fee: If you frequently travel internationally, it’s important to note that the card has foreign transaction fees, which may not be ideal for those who spend internationally.

Variable APR: The APR can be relatively high, especially if you have less-than-excellent credit, so it’s important to consider this if you carry a balance.

Is this the right card for you?

If you desire simple and direct cash back rewards without the burden of an annual fee, the Citi Double Cash Card is an obvious and advantageous choice. This card grants a $200 cash bonus following qualified spending and ensures a consistent 2% cash back on all purchases. Furthermore, it extends a 0% introductory APR on balance transfers for an extensive period of 18 months, providing a valuable opportunity to alleviate existing credit card debt.

Similar Rewards Credit Cards

If you are interested in the Citi Double Cash Card, it’s worth exploring a few other credit cards that offer comparable benefits.

2% Fixed Rate Cash Back Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Synchrony Premier World Mastercard®	2% cash back* on every purchase--no categories, tiers, or limits--no kidding. Get more out of every day purchases -- earn 2% cash back with your Synchrony Premier Card. No complicated math or rewards categories to remember.	$0
	TD Double Up℠ Credit Card	$100 Cash Back in the form of a statement credit when you spend $1,000 within the first 90 days after account opening Unlimited 2% Cash Back on all eligible purchases	$0

No-Annual-Fee Rewards Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Citi Custom Cash® Card	$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back. 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.	$0 rates & fees
	Citi Rewards+® Card	20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com 2X ThankYou Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou Points on All Other Purchases.	$0 rates & fees
	Chase Freedom Unlimited®	Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.	$0
	Blue Cash Everyday® Card from American Express	$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.	$0 rates & fees
	Costco Anywhere Visa® Card by Citi	4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter 3% cash back on restaurants and eligible travel purchases 2% cash back on all other purchases from Costco and Costco.com 1% cash back on all other purchases	$0 rates & fees
	USAA Preferred Cash Rewards Credit Card	Unlimited 1.5% cash back on purchases, no category restrictions, no caps on cash back. Earn a $200 reward bonus when you spend $1,000 on qualifying purchases within 90 days of account opening.	$0 (rates & fees)

0% APR Balance Transfer Credit Cards

Credit Card		0% APR	Annual Fee
	Citi® Diamond Preferred® Card	0% on purchases for 12 months and on qualifying balance transfers for 21 months. After the intro period ends, the go-to rate of 17.49% - 28.24% (variable) applies. (rates & fees)	$0
	USAA Rate Advantage Credit Card	0% on balance transfers for 15 months (rates & fees)	$0 (rates & fees)

The post Citi Double Cash® Card Review – $200 Bonus and Straight 2% Cash Back on All Purchases appeared first on CardBenefit.

Credit cards allow you to borrow money up to a pre-set limit for your purchases or balance transfers. The convenience of using credit cards as a payment option comes with the potential cost of fees and interest. But if you make responsible payments on credit card bills, you can maintain good credit scores. Consequently, you can be approved for credit cards for excellent credit to save money in many ways.

1. Sign-up bonuses with new credit card accounts

Credit cards with rich bonus can let you earn substantial rewards in the first few months of account opening. Some Credit cards hand out cash back bonus of hundreds of dollars. For example, Ink Business Unlimited Credit Card is currently offering $750 cash bonus after qualified spending. And some other credit cards offer $200 bonus cash back after $500 is spent on purchases within the first 3 months from account opening, which is a whopping 40% cash back on the first $500 charged to your credit card. See more credit cards that offer top-notch bonus.

2. Cash back or travel rewards

There are many rewards credit cards that give you cash back or travel rewards on your purchases. The cash rewards offered by different cards vary. In general, you can expect between 1% and 2% cash back on most purchases. You can receive higher cash rewards on select purchases. Sometimes credit card rewards are in the form of points or miles, which are redeemable for travel credit or shopping gift cards.

For example, Citi Double Cash Card offers 2% cash back on all purchases, along with $200 bonus cash back. And Blue Cash Preferred Card from American Express offers 6% cash back on grocery purchases, up to $6,000 per year.

3. Buy now and pay later, with no interest cost

Credit cards with 0% introductory interest on purchases can help you save money. If you need to make a big purchase, 0% intro APR credit cards let you borrow money from the card issuer for an extended period of time without incurring any interest or fees. As long as you make the minimum payments every month and pay off the remaining balance before the end of the introductory period, you will not pay for any interest.

For example, Citi Custom Cash Card offers 0% Introductory APR for 15 billing cycles for purchases. If you use the card to make a purchase of $10,000, you can pay the monthly minimum payment for 15 months, which is usually around 1% of the account balance, and then pay off the remaining balance at the end of 15 billing cycles without incurring any interest fees.

4. Use balance transfers to minimize interest charges

Credit cards with 0% introductory APR on balance transfers can help you save money by allowing you to transfer high-interest balances to a 0 interest credit card to eliminate or minimize interest charges. For example, if you have $10,000 in credit card debt and are paying an interest rate of 20%, transferring balances to a 0% APR credit card for 21 months, such as Citi Diamond Preferred Card, can provide substantial savings. You can save around $3,000 on interest charges over the next 21 months. If you are carrying a credit card balance each month, it is well worth your time and effort to apply for a credit card offering 0% intro APR on balance transfers.

5. Free membership of Global Entry and TSA Pre✓

For frequent flyers, getting stuck in the airport security lines means the unnecessary long wait. Sometimes the delay causes travelers to miss flights or connections. In such situations, the travelers have to change flight ticket and may need to stay in a nearby hotel overnight if the flight is scheduled for the next day.

The airport expedited screening programs of TSA Pre✓ and Global Entry can save travelers 20 to 30 minutes in most airports, which help you avoid the situation of missing flights. TSA Pre✓ provides expedited security screening benefits for flights departing from U.S. airports. Global Entry provides the TSA Pre✓ benefit plus expedited US customs screening for international air travelers when entering the United States. TSA Pre✓ costs $85 and Global Entry costs $120 for a five year membership.

A few travel credit cards, such as Chase Sapphire Reserve and IHG One Rewards Premier Credit Card, offer up to $120 Airport Security Statement Credit towards TSA Pre✓ or Global Entry Application fee.

6. Free checked bags

Many airlines charge $25 or $30 per bag on each leg, which means an additional cost of $50 or $60 per passenger on a round trip. The cost of baggage fees can add up quickly for a large travel group. Some airline credit cards let you check your first bag for free. United Explorer Card and United Quest Card offer its cardholders free checked bags on United flights.

7. Free access to airport lounges

Whether you are a business traveler or an avid vacationer, having unlimited lounge access to VIP airport lounges will be a pleasant experience when you and your companions can enjoy a light meal, sip wine, and relax in comfortable chairs in an exclusive club. Some travel credit cards offer a complimentary Priority Pass Select membership, which is a prestigious membership program for travelers to visit airport VIP lounges. For example, Chase Sapphire Reserve offers complimentary Priority Pass Select membership, which is an instant savings of a few hundred dollars in value annually.

8. Free in-flight food, drinks, and WIFI

Some credit cards give you airline credit of $100 or $200 annually to pay for airline fees or incidentals, such as airfare, baggage fees, in-flight drinks, refreshments and WIFI access. For example, The Platinum Card from American Express offers $200 annual airline credit.

9. Complimentary elite status of hotel membership

Hotel cards may offer complimentary elite status of hotel membership, which can be used to save you on a number of hotel amenities, such as complimentary breakfast, room upgrade, award nights, etc. You can also earn extra rewards points which can be redeemed for free hotel nights or merchandises. For example, Hilton Honors American Express Surpass Card offers complimentary Gold Status of Hilton Honors membership, and Hilton Honors American Express Card offers complimentary Hilton Honors Silver status.

10. Complimentary concierge services

Personal concierge services provide errand management and information research for private clients. Services include informational requests, making travel arrangements, booking tickets to special events or concerts, setting dinner reservations, making telephone calls, and more. The cost of using an independent personal concierge company can be quite expensive. A few premium credit cards offer complimentary concierge services. For example, Synchrony Premier World Mastercard and First Tech Odyssey Rewards World Elite Mastercard provide their cardholders with complimentary concierge services.

11. Complimentary car rental insurance

When you rent a card, you may need to buy car rental insurance. Buying such insurance services from the rental car company will add extra cost to your car rentals. Many credit cards offer complimentary insurance against damage to or theft of your rental cars. It will save you money on car rentals. For example, USAA Eagle Navigator Credit Card offers auto rental coverage as a complimentary service to its cardholders.

12. Save on the cost of foreign currency exchange

When you are traveling abroad, withdrawing cash from local ATMs and converting currency can cost extra. Many credit cards let you pay no foreign transaction fees for your purchases in foreign countries. For example, Capital One credit cards do not charge foreign transaction fees. In addition, some travel credit cards do not charge such fees either, such as Chase Sapphire Preferred Card. When you travel abroad, it is always a good idea to carry a credit card with no foreign transaction fees because it saves you money on purchases and it helps you avoid the hassle of converting currency. See more credit cards that have no foreign transaction fees.

13. Discounts on companion airfare

Some airline credit cards let you buy companion flight tickets at a discount, which saves you money on airfare if you fly with a companion. Delta SkyMiles Platinum American Express Card offers its cardholders a Companion Certificate on Main Cabin domestic, Caribbean, or Central American roundtrip flights each year on your account anniversary.

14. Complimentary extended warranties

In-store extended warranties may cost too much and you may never have a chance to use the coverage. You are often better off declining to pay for such extended warranties because it can be a waste of money. Luckily, many credit cards offer extended warranty at no cost for their card members. For example, Ink Business Premier Credit Card provides its cardholders with extended warranty coverage.

15. Complimentary price protection

Price protection is another common benefit provided by credit cards. If your purchase goes on sale after you buy, some credit cards may refund the difference. You just need to provide an ad proving the better price and submit the claim within the specified time limit of the price change.

16. Improve credit score and save on loans

Having a higher credit score can lower your costs on other loans, such as home mortgage, car loans, etc. Your credit-card payment activities affect your credit score. If you make payments on time to pay towards the balance on your credit card accounts, your responsible payments will improve your credit score. Having an excellent credit rating may qualify you for loans with lower interest rates, which will potentially save you thousands of dollars each year. If you have poor credit or have insufficient credit history, you may be ineligible for loans. Opening credit card accounts and making payments responsibly can be a good first step to establish credit history so that you can save a lot on loans. Sometimes you may have to start with secured credit cards to build credit, which may have low credit limit and may cost a little, but having an established credit history of good ratings will pay off over the long term.

The post 16 Money-Saving Tips on Using Credit Cards appeared first on CardBenefit.

Using a subprime credit card can be an effective strategy for rebuilding your credit. You have the option of choosing between an unsecured subprime card or a secured credit card. By using the card responsibly, you’ll establish a positive payment history. Your credit report will reflect the positive impact of this responsible usage, and as your credit improves, you may qualify for traditional credit cards with better terms.

Unsecured Subprime Cards

Unsecured subprime cards don’t require a deposit but may come with higher interest rates and fees. Those with poor or damaged credit and prior bankruptcies may qualify for unsecured subprime cards. After you improve your credit, you may qualify for traditional credit cards. Check out the following unsecured subprime cards:

Credit Cards	Purchase APR	Transfer Info	Annual Fee	Credit Level
Destiny Mastercard®  Hide Benefits Show Benefits	35.9% APR	N/A	$175 the first year; $49 thereafter	Poor To GoodApply NowView Card Details
All the benefits of a Mastercard, without a security deposit 24/7 access to your account, even on mobile! Reports to all three major credit bureaus Less than perfect credit is okay, even with a prior bankruptcy!
Indigo® Mastercard® for Less than Perfect Credit  Hide Benefits Show Benefits	35.9% APR	N/A	$175 - $199	Bad / Poor / FairApply NowView Card Details
Now with higher credit limits Increase your access to available credit Higher limit than before, still no security deposit required! Greater access to credit than before Less than perfect credit is okay Mobile account access at any time Account history is reported to the three major credit bureaus in the U.S.
Reflex® Platinum Mastercard®  Hide Benefits Show Benefits	35.90% Fixed APR	N/A	$75 - $125	Fair / Poor / Bad / LimitedApply NowView Card Details
Up to $1,000 Initial Credit Limit See if you Pre-Qualify with No Impact to your Credit Score Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit. Unsecured credit card requires No Security Deposit Perfect card for everyday purchases and unexpected expenses Monthly reporting to the three major credit bureaus Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements) Use your card everywhere Mastercard is accepted at millions of locations Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)

Destiny Mastercard®

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• All the benefits of a Mastercard, without a security deposit
• 24/7 access to your account, even on mobile!

• Reports to all three major credit bureaus
• Less than perfect credit is okay, even with a prior bankruptcy!

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Indigo® Mastercard® for Less than Perfect Credit

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• Now with higher credit limits
• Increase your access to available credit

• Higher limit than before, still no security deposit required!
• Greater access to credit than before
• Less than perfect credit is okay
• Mobile account access at any time
• Account history is reported to the three major credit bureaus in the U.S.

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Reflex® Platinum Mastercard®

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• Up to $1,000 Initial Credit Limit
• See if you Pre-Qualify with No Impact to your Credit Score

• Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
• Unsecured credit card requires No Security Deposit
• Perfect card for everyday purchases and unexpected expenses
• Monthly reporting to the three major credit bureaus
• Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
• Use your card everywhere Mastercard is accepted at millions of locations
• Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)

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Secured Credit Cards

Secured Credit Cards require a cash deposit as collateral, which typically becomes your credit limit. They may have low fees and favorable terms. Some of these cards don’t have an annual fee and even give you cash back on your purchases. Check out the following secured credit cards:

Credit Cards	Purchase APR	Transfer Info	Annual Fee	Credit Level
Capital One Quicksilver Secured Cash Rewards Credit Card  Hide Benefits Show Benefits	29.99% (Variable) APR rates & fees	29.99% (Variable) APR	$0	Limited, BadApply NowView Card Details
No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds Put down a refundable $200 security deposit to get a $200 initial credit line Building your credit? Using a card like this responsibly could help Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply Monitor your credit score with CreditWise from Capital One. It's free for everyone
OpenSky® Plus Secured Visa® Credit Card  Hide Benefits Show Benefits	29.24% (Variable) APR	N/A	$0	No Credit, Poor, FairApply NowView Card Details
New feature! Earn up to 10% cash back* on everyday purchases No annual fee No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply! Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months Monitor your credit progress with free access to your FICO Credit Score. Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay Secure your credit line with a refundable security deposit - as low as $300. Easy application, apply in less than 5 minutes right from your mobile device Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule Now you can make smaller partial payments towards funding your security deposit over 60 days Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit *See Rewards Terms and Conditions for more information
First Latitude Elite Mastercard® Secured Credit Card  Hide Benefits Show Benefits	24.49% (V) APR	N/A	$29.00	Poor / Limited / NoApply NowView Card Details
Choose our First Latitude Elite Card for a lower annual APR! Apply now and fund your security deposit over 90 days with the option to make partial payments. Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account. Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.† No minimum credit score required for approval! Secure your credit line with a refundable security deposit - as low as $200 to get started! †Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score. *See Important Disclosures for complete offer details
First Progress Platinum Select Mastercard® Secured Credit Card  Hide Benefits Show Benefits	18.49% (V) APR	N/A	$39	Poor / Limited / NoApply NowView Card Details
Get a First Progress Select Card and Earn 1% Cash Back Rewards! Secure your credit line with your refundable security deposit - choose from $200- $2,000 - with the ability to increase up to $5,000 over time! Choose the First Progress Select Card for a lower annual fee! All credit types welcome to apply! Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.† †Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

Capital One Quicksilver Secured Cash Rewards Credit Card

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Rates & Fees

• No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
• Put down a refundable $200 security deposit to get a $200 initial credit line

• Building your credit? Using a card like this responsibly could help
• Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
• You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
• Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
• Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
• Monitor your credit score with CreditWise from Capital One. It's free for everyone

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OpenSky® Plus Secured Visa® Credit Card

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• New feature! Earn up to 10% cash back* on everyday purchases
• No annual fee

• No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
• Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
• Monitor your credit progress with free access to your FICO Credit Score.
• Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
• Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
• Secure your credit line with a refundable security deposit - as low as $300.
• Easy application, apply in less than 5 minutes right from your mobile device
• Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule
• Now you can make smaller partial payments towards funding your security deposit over 60 days
• Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
• *See Rewards Terms and Conditions for more information

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First Latitude Elite Mastercard® Secured Credit Card

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• Choose our First Latitude Elite Card for a lower annual APR!
• Apply now and fund your security deposit over 90 days with the option to make partial payments.

• Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
• Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.†
• No minimum credit score required for approval!
• Secure your credit line with a refundable security deposit - as low as $200 to get started!
• †Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
• *See Important Disclosures for complete offer details

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First Progress Platinum Select Mastercard® Secured Credit Card

Apply Now

• Get a First Progress Select Card and Earn 1% Cash Back Rewards!
• Secure your credit line with your refundable security deposit - choose from $200- $2,000 - with the ability to increase up to $5,000 over time!

• Choose the First Progress Select Card for a lower annual fee!
• All credit types welcome to apply!
• Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.†
• †Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

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Conclusion

Unsecured subprime cards give you immediate access to credit without a deposit, while secured cards are often easier to obtain and come with fewer risks in terms of high fees. Ultimately, both types of cards can help you rebuild your credit. Your credit score will improve as long as you keep making on-time payments.

The post Best Subprime Credit Cards to Build Credit appeared first on CardBenefit.

Grow your credit history with responsible use of credit and on-time payments! Citi Double Cash Card is an unsecured card with $200 bonus and 2% cash rewards. It is the best card for people with fair credit ratings to earn cash rewards while building credit.

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Citi Double Cash^® Card

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back.
• Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
  Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel^℠ portal through 12/31/25.
• Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
• Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
• If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Intro APR

0% on Balance Transfers

Intro APR Period

18 months

Annual Fee (rates & fees)

$0

Credit Needed

Excellent, Good, Fair

Alternative Credit Cards for Fair or Average Credit

If you have average credit and are interested in Citi Double Cash Card, you may also consider a few other credit cards with similar benefits.

Credit Card		Bonus and Rewards	Annual Fee
	Capital One QuicksilverOne Cash Rewards Credit Card	Unlimited 1.5% cash back on every purchase, every day Unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply	$39 (rates & fees)
	Upgrade Cash Rewards Visa®	$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions* Up to 10% cash back from your favorite brands with Upgrade Shopping	$0
	Upgrade Triple Cash Rewards Visa®	$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions* Up to 10% cash back from your favorite brands with Upgrade Shopping	$0
	Capital One Quicksilver Student Cash Rewards Credit Card	Unlimited 1.5% cash back on every purchase, every day Early Spend Bonus: Earn $50 when you spend $100 in the first three months	$0 (rates & fees)

The post Best Credit Cards for People who have Limited or Fair Credit appeared first on CardBenefit.

Citi Double Cash Card offers unlimited 2% cash back on every purchase, including all online purchases. In addition, new cardholders can also receive a $200 cash bonus.

Credit Card		Bonus and Rewards	Annual Fee
	Citi Double Cash® Card	$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back. 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.	$0 rates & fees

3%+ Cash Back on Purchases

Blue Cash Everyday Card from Amex lets you earn 3% cash back on up to $6,000 online retail purchases annually.

Credit Card		Bonus and Rewards	Annual Fee
	Blue Cash Everyday® Card from American Express	$200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%. 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%. 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.	$0 rates & fees
	Prime Visa	Get a $150 Amazon Gift Card instantly upon approval exclusively for Prime members Unlimited 1% back on all other purchases	$0

Alternative Cash Back Credit Cards for Online Purchases

Credit Card		Bonus and Rewards	Annual Fee
	Chase Freedom Unlimited®	Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.	$0
	Citi Custom Cash® Card	$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back. 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.	$0 rates & fees
	Blue Cash Preferred® Card from American Express	$250 statement credit after you spend $3,000 in eligible purchases on your new Card within the first 6 months. 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%). 6% Cash Back on select U.S. streaming subscriptions. 3% Cash Back at U.S. gas stations. 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more). 1% Cash Back on other purchases.	$0 intro annual fee for the first year, then $95. rates & fees
	Ink Business Unlimited® Credit Card	$750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening Unlimited 1.5% cash back on every purchase made for your business	$0
	Ink Business Cash® Credit Card	$350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases	$0

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