5 Citibank Professional Card – citibank professional card
Decent rewards bulk for a apprentice card
Good for accustomed spending
Pay no absorption on purchases initially
The Citi Rewards Apprentice acclaim agenda is, obviously, geared appear students. It abnormally seems aggressive to those who accept never had a acclaim agenda before. This agenda makes it as accessible as accessible to acquire rewards aback you spend, with no cap on the bulk of rewards you can earn.
It additionally has appearance to address to the budget-conscious, like no anniversary fee. Plus, those antecedent seven interest-free months could be acceptable for a apprentice who’s splurged on a big purchase—like a new laptop, say—and needs time to pay it off; or accession who’s aloof acquirements how acclaim agenda payments and absorption work.
There is an anterior anniversary action for this card, which is anniversary 2,500 Citi ThankYou Points. To authorize for the anterior bonus, acceptance allegation to allegation $500 in acceptable purchases aural the aboriginal three months. Redeemable for a $25 allowance card, the anniversary isn’t the best acceptable in the world, compared to those offered by acceptable acclaim cards, but it’s a nice little bang to get acceptance started with earning rewards. The minimum spending claim is additionally low abundant that acceptance can accommodated it adequately calmly after annoying about accumulating a ample bulk of debt.
This agenda appearance two rewards tiers for purchases. Aback you absorb with this card, you can earn:
The $6,000 cap averages out to $500 a ages in bazaar and gas base spending. Once you hit that threshold, you’ll abide earning 1 point per dollar on those purchases.
What makes this agenda a little altered with its rewards anatomy is the Annular Up feature. This anniversary circuit up every acquirement you accomplish to the abutting 10 credibility with no cap. Say you allegation $27 for gas—you would acquire 54 points, again Citi would annular it up to 60 points. If you allegation $225 for concert tickets, Citi circuit it up to 230 credibility earned. Since 10 credibility is the best roundup, the bigger accession comes from abate purchases: for example, a $3 backpack of pens would net you added than amateur cardinal of credibility (not aloof three, but 10). Spending $10.15 for a sandwich and a soda gets you 20 points.
You don’t accept to do annihilation to acquire those added points, added than absorb as you commonly would. There’s no absolute on the cardinal of credibility you can acquire from these annular ups.
Once you’ve becoming some rewards, Citi gives you several means to redeem them. Acceptance can use rewards to:
Citi makes redeeming credibility added advantageous by alms 10% credibility aback on all redemptions on up to the aboriginal 100,000 ThankYou Credibility adored anniversary year. So if you redeem 5,000 points, you get 5,00 of those credibility back. Similar to the annular up rewards, the 10% aback anniversary is activated automatically aback you accomplish a condoning redemption.
If you’re aperture a aboriginal account, the aboriginal affair you’d appetite to do is assignment on extensive the $500 minimum spending claim to acquire the 2,500-point bonus. This comes out to $167 in purchases on boilerplate for the aboriginal three months, which ability according one or two trips to the grocery abundance anniversary month.
The abutting way to aerate rewards is to abide charging at atomic $500 in bazaar and gas base purchases anniversary month. This way, you can max out the 2 credibility per dollar rewards bulk for the aboriginal $6,000 in purchases anniversary year. Once you do that, you can abide charging those purchases at the 1 point per dollar rewards bulk but you’ll still anniversary from credibility annular ups.
You can annular out rewards antithesis by charging all added purchases to the agenda and redeeming them to get the 10% credibility aback bonus.
Citi becoming a 799 appraisement in J.D. Power’s 2019 Acclaim Agenda Achievement Survey. That puts it aloof beneath the civic boilerplate appraisement of 806 for acclaim agenda satisfaction.
The Citi Rewards Apprentice agenda offers the accepted anniversary administration accoutrement you’d expect, including online and adaptable cyberbanking access. Citi chump anniversary assembly are accessible via alive babble or buzz by calling 1-800-950-5114. You can articulation your agenda to your adopted agenda wallet app for defended and added acceptable arcade in-store or online.
In accession to actuality able to boutique aegis through agenda wallet apps and contactless pay, Citi offers added aegis appearance to assure your account. Those accommodate Citi Identity Theft Solutions, $0 accountability on counterfeit and crooked purchases and artifice apprehension casework to adviser for apprehensive activity. Citi additionally offers the Quick Lock feature, which lets you attenuate your agenda if it’s absent or baseborn to anticipate anyone from application to accomplish purchases or banknote advances.
The bigger fee to accede with this agenda is the 3% adopted transaction fee. If you’re planning on spending a division across or spending bounce breach alfresco the U.S., again addition acclaim agenda with no adopted transaction fee may serve you better. Added than that, this agenda doesn’t backpack any abruptness or hidden fees.
The Citi Rewards Apprentice acclaim agenda is a acceptable beginner’s card: ideal for adolescent bodies who are accessible for their aboriginal allotment of plastic. Remember, the 2009 CARD Act requires you to be at atomic 21 to get a agenda in your own name after a cosigner unless you’re at atomic 18 and accept affidavit of income.
In agreement of rewards, this card’s 1-points-per-dollar bulk is archetypal of what you can apprehend with a apprentice acclaim card, and the 2 credibility for assertive categories is alike on the acceptable ancillary (though it actuality capped at $6,000 per year seems attached but best acceptance shouldn’t appear abreast that spending cap).