Citi CashReturnsSM Card
Cash back, without limits.
Ongoing APR: As low as Prime + 4.99% (Currently 8.99%)
Annual Fee: None
APR for Balance Transfers: 0.00% (for Up to 12 Months*)
Balance Transfer Fee: 3% (minimum $5)
Cash Advance APR: Prime + 14.99% (Currently 18.99%)
Minimum Cash Advance APR: 19.99%
Cash Advance Fee: 3% (minimum $5)
Reward Program: 1-6% Cashback
Late Fee: $15-$39
Overlimit Fee: $39.00
Issuer: Citibank
Card Highlights, Benefits
- Earn up to 6% Cash Back on purchases; a full 1% cash back on every purchase PLUS an average 5% additional cash back at 400 leading retailers within the Citi Bonus Cash Center
- Earn a 20% Bonus on the Cash Back Earned on all purchases for the first 12 months*
- No limit and no expiration on the amount of cash back you can earn*
- Checks will be sent automatically every time you earn $50 - no calling necessary*
- Earn an average of 5% additional cash back when shopping within the Citi Bonus Cash Center with over 400 leading retailers
- No Annual Fee
- Online Services, including account management, statements, unbilled activity, and faster payments.
Citi CashReturns Card Terms and Conditions
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Your Citi CashReturns Card account ("Card Account") will receive a rebate based upon eligible transactions appearing on your current month's billing statement. The only eligible transactions are purchases, cash advances and balance transfers. The rebates will show cumulatively on your statement as "CitiDollars", as long as your Card Account is open and current. However, if your Card is no longer open or current, you will not be able to earn or redeem CitiDollars.
Unless you are participating in a limited-time promotional offer, you will earn 1% on all purchases. You will earn 1% on cash advances and cash convenience check amounts billed at the standard cash advance rate. You will receive five CitiDollars for each individual balance transfer transaction of $1,500 or more.
As soon as you've reached 50 CitiDollars, we will send you a check for the total accumulated CitiDollars account balance shown on your billing statement. provided your account is open and you are not in default under the terms of any Card Agreement. You can continue to accumulate CitiDollars, which we will pay as you earn increments of 50 CitiDollars as stated above. Checks cannot be issued for less than $50.
You have no property rights or other legal interest in CitiDollars. CitiDollars have no cash value until such time as you may receive a check for your redemption eligible CitiDollars. You may not assign, transfer, or pledge your CitiDollars.
When you become a cardmember, you will receive the full Citi CashReturns Card Terms and Conditions which we may change at any time with 30 days' prior written notice. In addition, we may terminate the Citi CashReturns Reward Program with 30 days' prior written notice, and if we do, we will send you a check for your redemption eligible CitiDollars.
APRs Based on Prime.
If any APR, including any promotional APR, is based on the U.S. Prime Rate ("Prime Rate"), the APR will equal the Prime Rate plus an additional amount. For each billing period we use the Prime Rate published in The Wall Street Journal two business days before the Statement/Closing Date. If the Prime Rate changes any APR, we put the new APR into effect as of the first day of the billing period for which we calculate the APR. We apply the new APR to any existing balances, subject to any promotional rate that may apply. If The Wall Street Journal does not publish the Prime Rate, we will use a similar published rate.
See web site for complete terms & conditions