Category Archives: Citibank

Citi Dividend Amex: No Fee, 0% BT Until October 2007

Reported by FW, this promo offer pushes the new Citi Dividend Amex:

  • 5% Cash Back on supermarket, Drugstore, and gas station purchases
  • 1% Cash Back everywhere else
  • 0% APR on BT until 7/1/07, 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 Oct. 1, 2007. Otherwise rate lasts until July 1, 2007. BT, Cash advances, and finance charges do not qualify as purchases under this offer.

To apply, visit and use offer code: P1G9

Or call 1-800-368-1265 by Sept. 15, 2006.

So it appears they’re making you jump through another hoop to get the 15-month balance transfer–namely, the $100 in purchases. It’s important to note that because of the “lower APR balances get paid off first” rule, it’s imperative that those purchases get paid off first before completing your balance transfer.

Citi Business PremierPass: 0% on Balance Transfers for 12 Months, $150 Gift Card

The offer for the Business version of the Citi PremierPass has been sweetened a bit, now giving 15,000 Thank You Points after first purchase, redeemable for a $150 gift card. Other features of this offer include:

  • No annual fee for the 1st year, $75 after that
  • 0% APR on balance transfers for 12 months (0% does not apply to purchases or cash advances)

The usual features of the card apply:

  • 3 points for every dollar you spend on eligible business purchases
  • 1 point for airline tickets you buy, plus every mile you or your employees fly on any airline
  • 1 point for every dollar you spend on purchases
  • Redeem for travel on any airline, merchandise and gift cards
  • No blackout dates

For more details or to apply, see this link.

Gas Rebate Credit Card Roundup

Editor’s Note: While the information presented was accurate at the time of publication, it is now outdated. For the latest details on these cards, see the following links:

Posted May 17, 2006 — Is the price of gas hurting your pocketbook? If you don’t already have one, maybe it’s time to consider adding a credit card that gives you a rebate on your gas purchases. Below is a compilation of these cards:

  • Citi Dividend Platinum Select – 5% rebate at gas stations, grocery stores and drug stores
  • Chase Cash Plus Rewards – 5% rebate at gas stations, grocery stores and drug stores
  • American Express Blue Cash – 5% rebate at gas stations, grocery stores and drug stores/1.5% everywhere else once your year-to-date spending reaches $6,500; 1% at gas stations, grocery stores and drug stores/0.5% for the first $6,500 of spending in a year
  • Discover Platinum Gas Card – 5% rebate on gas
  • Hess Platinum Visa – 10% rebate at Hess during the first 90 days; 5% afterwards
  • Chase PerfectCard – 6% rebate on gas during the first 90 days; 3% afterwards
  • Marathon Platinum Mastercard – 10% rebate at Marathon during the first 60 days; 5% afterwards
  • BP Visa – 10% rebate at BP and Amoco during the first 60 days; afterwards, 5% rebate at BP and Amoco, 2% on eligible travel and dining; 0% at non-BP gas stations
  • Speedway SuperAmerica Platinum MasterCard – 8% rebate at Speedway, SuperAmerica, and Rich Oil during the first 60 days; 4% afterwards

Note: Unless otherwise noted, each card also earns a 1% rebate on other purchases. For each card’s full terms and conditions, please visit the card issuer’s web site.

If you carry a balance, then ignore what I’m about to say, as reward cards aren’t for you. Instead, you should focus upon getting the card with the lowest interest rate.

Otherwise, for those looking for a gas rebate card, most will be best off with either the Citi Dividend, Chase Cash Plus or American Express Blue Cash, as they offer the most cash back at gas stations after the promotional period without tying you to a particular brand. Among those three, I would recommend either the Citi Dividend or the Blue Cash, since the Chase Cash Plus card is no longer being actively marketed and appears to have an uncertain future.

For big spenders, the Blue Cash may make the most sense as you’ll be able to fully take advantage of the higher tier of rewards. For everyone else, the Citi Dividend will offer the most value, as you earn 5%/1% from your first dollar. Do keep in mind that there are limits to your rebates. The Citi Dividend limits you to $300 cash back in a year, while the Blue Cash limits your rebates to the first $50,000 of spending in a year.

1 8 9 10 11