Description: The article has the content of city double cash card login, including the percentage of the transactions, the ways to maximize normal spend and trace sign-up bonuses and other benefits of purchase protection.
A city double cash card makes a lot more sense if the card you’re talking about or it’s 2 percent, but only on the specific category, you like travel, then it doesn’t make sense, because you can get 2 percent on all of your transactions rather than 2 percent on travel.
There are some cards that earn more than 2% on all of your transactions, but typically they have an angle V, making them harder to recommend, because you need to consider that, there’s a card that earns you 3% back.
I believe there was a $79 annual fee, I did a video on this, but once you calculate the break-even, you would need to spend more than $10,000 on the card to make more sense than the city double cash card.
If you are going to spend that much money, you’re better off hitting minimum stands for two different cards instead of getting slightly more value from that 3% card.
That has the annual fee, if you’re someone who’s trying to maximize their normal spend and not tracing sign-up bonuses, this card should always be in your wallet, because it’s going to be for transactions where there are no other special categories, you earn more points with other cards.
You might get 5x back for restaurants and certain quarters or travel or movies, but for all the other transactions that go into one of the categories, this is the card you should be using.
There are a few exceptions, if you do have cards in certain ecosystems, if you’re not invested in getting a lot of cards, if you don’t want a lot of premium cards and you don’t want to pay annual fees, this is a no-brainer card.
We’re going to run through all the perks at the card, but one thing I realized a lot of people are probably going to ask is the question-why does the card have so much interest?
You don’t want to be paying interest on your cards, you don’t want to keep a balance, if you’re accumulating debt and paying interest for most of the cards, I recommend on my channel, I only recommend them to people who pay off their balance in every single month.
If you are someone who keeps a balance every month, I don’t recommend getting credit cards, because I don’t want it to debt for no reason.
There are a lot of other benefits like purchase protection, but if it’s going to get you in trouble in the long term, I don’t want someone to have $10,000 a debt, because you get more protections in credit cards, you get more points, it doesn’t matter if you have so much debt and interest that you’re paying off well.
When you get the card, I don’t recommend using this, I see so many people get into debt, because they end up spending so much over the 18 months that I don’t think it’s worth it.
You have a lot of other credit card debt, but beyond that, it doesn’t make sense to me the big selling point on the card, it’s 2% back on everything and this is good for people, especially if they don’t want to worry about category bonuses.
So for me, I like to maximize my categories. If you are one of those people, this is probably your go-to card, if you are someone who is new to credit, you finished office Coon cards or secured cards and now you’re graduating to unsecured cards, this is a good starting point, because there are a few benefits that protect you in case you miss anything.
One of the features of the credit card late pass feature that means for your first late, they’re not going to charge you any fees, so obviously, if you are still building the habits and you want to build it into yourself to check your credit cards at least once every month.
While you’re watching YouTube or Netflix, one of the good perks of Citi is that they have a lot of partnerships with different music events, meaning that you get tickets before other people can.
There are some sales that are exclusive to City American Express, there are a bunch of exceptions too, so you need to read through the rules, but if you buy a hard drive, you have to read through the rolls to make sure it’s eligible, but it’s 150.
There are two other good perks for purchases, the first one is damage and theft protection, this means if you make a purchase and is accidentally damaged or it’s stolen, you’re going to be covered for each of the repair amount or the full cost of the item.
The second perk is extended warranty which extends the warranty from the original product for an additional year, this covers the manufacturer warranty though, so anything like Apple care won’t count.
You get two other perks that you typically get of other credit cards like drop protection, so someone steals our wallet and starts going on a spending spree.
You’re not going to be liable for any of the charges, as long as you report it, even though this isn’t a travel card, there are a lot of benefits, that are related to travel, you have to pay foreign transaction fees which is 3%, so in the future you might want a dinner card that has no foreign transaction fees.
If you still need to use this card, it’s not too bad, because the 2% bag on all the transactions make the transaction fee closer to 1% than 3%, other benefits you get or car rental insurance trip cancellation and interruption protection and travel accident insurance that works worldwide for car rental insurance, this means you can decline the CDW from the car rental agency, saving between 5 to 15 dollars every day for trip cancellation.
This means that you’re covered if you have to pay extra fees, but there are a lot of rules involved, so make sure that you read through it all before making a claim for the trouble accident insurance, this is good.
If something bad happens, but obviously, you don’t want to rely on it, because you don’t want something bad to come up, you’re protected from a lot of financial risk, if you want to get this card.
There are two ways to do it. The first way is to apply for it directly and the second way is to apply for another card, so one that has a sign-up bonus and do a product change.
After the first year, we have a video dedicated to 50 product changes, so you might want to watch it, if you want a bit more details, but the main idea is that you can see the product change between any city card
If you are someone who’s new to credit, this might not be a bad choice correctly, but it depends on you, what you want to achieve, you want to apply for any of these cards, we have a bunch of links on our website and it helps our channel, so we get a small affiliate fee, if you apply through those links, they all have the same that are publicly available meaning that you’re still getting the same benefit that you would have otherwise gotten.
The only difference is that they are supporting this channel and obviously we appreciate it, I can copy paste, if you are looking to get this 50 double cash card, my question for you is about whether you apply for it directly or whether you do a product change route.
Today we’re going to review the city double cash card, it is about how to get the most cash back and also how to travel for free, the city double cash card is one of the best foundation cards you can have in your arsenal, it has no annual fee, it earns two percent back on all of your transactions, one percent when you make a purchase and one percent when you pay it off, because you’re paying off your cards in full and then there are a lot of other benefits that you get from city cards as a whole.