This MasterCard Credit Card has a very good and attractive cash-back rewards program, it works just as well for balance transfers
Citi Double Cash Review: 2% on Everything Is Tough to Beat
https://www.nerdwallet.com › Credit Cards
The Citi Double Cash is a valuable workhorse among credit cards. … The combined 2% rewards rate — 1% when you make a purchase and 1% when you pay it off …
Citi® Double Cash Card Reviews 2021 | Credit Karma
https://www.creditkarma.com › single › CCCitiBank1299
The Citi® Double Cash Card is a solid choice for people who want a great rewards rate but don’t want to bother with keeping track of bonus rewards categories.
Citi Double Cash Credit Card Review – Forbes Advisor
https://www.forbes.com › advisor › credit-cards › reviews
The Citi Double Cash Card offers a simple rewards system. Though not quite as straightforward as a flat 2% cash-back card, the card’s 1% cashback when …
2021 Citi Double Cash Review: $0 Annual Fee – WalletHub
https://wallethub.com › edu › citi-double-cash-review
The Citi® Double Cash Card – 18 month BT offer is a very good credit card for people with a good credit score or better. The Citi Double …
Who The Citi Cash Returns MasterCard Is madeFor
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%.
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%.
Recommendation
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.
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