The battle to be the credit card inside your wallet or purse heats up again! Citibank has a new offer for the Citi® Dividend Platinum Select® Visa® Card with an a sign-up bonus of $100 cash after making $500 in purchases within the first 3 months of the account opening. In addition, there is a good rewards program to keep you interested, offering 5% cash back this quarter and every quarter on changing categories like home improvement, travel and more.
Earn 5% cash back every quarter in must-have categories. Right now, on purchases at The Home Depot, home furnishing and home and garden stores from 4/1/14 through 6/30/14, enrollment each quarter is quick and easy. On all other purchases, you get 1% cash back with no tiers. After you get your card, you must enroll by logging into your account online or calling 1-800-231-0891. There is no cap on the 5% back, the total cash back earned with the card is $300 per calendar year, excluding the $100 cash back with this offer. See Citi Dividend Card Reward Program Information. This card has no annual fee, so I can still keep it around specifically as a 5% cash back card.
Chase has their similar Chase Freedom® card, which offers $100 Bonus after you make $500 in purchases in your first 3 months from account opening, and a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period. In addition, earn 5% Cash Back on up to $1,500 in combined purchases between April 1 and June 30, 2014 at Restaurants and Lowe’s home improvement stores. No annual fee and rewards never expire. While there is often overlap, having cards from different issuers allows higher spending limits and different categories at times.
Compare with other $500+ credit card bonuses available, but remember that this card has an ongoing benefit as well as no annual fee.
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