Citi Cash Returns MasterCard Credit Card Review

This MasterCard Credit Card has a very good and attractive cash-back rewards program, it works just as well for balance transfers.

Who The Citi Cash Returns MasterCard Is made For

This credit card is made for People who want to earn cash rewards on their credit card spending.

The card is made for People who are looking for a low-cost balance transfer option.

The requirement for Credit Rating

Excellent (740+)

Good (700-739)

Fair (660-699

Pros of the Citi Cash Returns MasterCard

Has a complete 1% cash back on all purchases.

There are rewards earned on cash advances and balance transfers.

Offers an Automatic rewards redemption by check.

If you qualify there is a long introductory 0% APR period on balance transfers

Cons of the Citi Cash Returns MasterCard

There is a high redemption threshold.

Citi Cash Returns MasterCard Rewards

Earn 2% cash back on purchases for the first six months, then 1% cash back.

Earn 1% cash back on cash advances.

There is a 5% cash back “on average” on purchases through Citi Bonus Cash Center.

Citi Cash Returns MasterCard Annual Percentage Rates (APR)

Balance transfers: The bonus transfers is 0% for 7 to 18 months, depending on your credit rating.

Purchases: 12.99% to 20.99%, depending on your credit rating.

Cash advances: 25.24%.

Default rate: 29.99%.

mastercard credit card

Citi Cash Returns MasterCard Fees

No annual fee.

Balance transfer and cash advance fee: is 3% of the amount.

Late payment fee is $15 to $39

The over-limit fee is  $39.

Citi Cash Returns MasterCard Review

The Citi Cash Returns MasterCard Is known to be a very good card with awesome cash-back rewards. The card works well and even better than a balance-transfer card. You may qualify for a 0% balance transfer rate for as long as 18 months if you have a good credit history but then  12 to seven months if you have weaker credit.

The balance transfer fee is 3%, one of the lowest around. You earn five “CitiDollars” on all balances transfers over $1,500. For every purchase made, you earn 2% cash back for the first six months, then 1% subsequently, 5% back on average when you shop through Citi’s Bonus Cash Center.

The Citi Cash Returns MasterCard allows you to earn the full reward on cash advances. The cash advance fee is 3%, and the APR is over 25%.


The Citi MasterCard card can be used for balance transfers or to earn rewards. It can not be used for both at the same time. Make transfers your balance for as long as you can then start earning cash-back rewards on purchases.