Citi Bank Together Cash Credit Bank is a best card for those who are looking to get started with a rewards card. the most unique feature of this card is that it rounds up to the nearest 10 points on every purchase, could have you mentally counting up your future points potential. You will also get a welcome bonus too: 20,000 bonus points after spending $1,500 in purchases within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com.
You just need to follow this article mentioned below to get a complete guide to Citi Bank Together Cash Credit card.
Benefits and rewards of Citi Bank Together Cash Credit credit cards:
Here below we have listed the benefits and rewards of Citi bank together cash credit card.
Features:
- You don’t need to pay any annual fee.
- You can also redeem your points for cash back as a statement credit, direct deposit or check.
- You have to pay 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 13.74% – 23.74%, based on your creditworthiness.
- Through this card you can automatically rounds up to the nearest 10 points on every purchase – with no cap.
Earning rewards:
- You can earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
- You can get Cash Back TWICE. Earn cash back on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- You will earn cash backs in the form of Thank You® Points.
- You can get earn 5 Thank You® Points per $1 spent on air travel and hotels up to $6,000 in the first 12 months and then 1 Thank You® Points per $1 spent thereafter.
- You will get 1 Thank You® point per $1 spent on purchases and an additional Thank You® point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.
- You can get 10% Points Back for the first 100,000 Thank You® Points you redeem per year.
- You can also get 2X Thank You® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Thank You® Points on All Other Purchases.
Redeeming rewards:
- You can also redeem in increments of $10, $15, $25, $50, $100, $175 and $250 as a statement credit.
- You can also transfer Thank You Points to one of Citi’s transfer partners if you have an eligible premium card like the Premier or the Prestige.
- You can use your points to buy a gift card through the ThankYou Center, points are generally worth about a cent each.
- You can purchase at select retailers directly using your points at a value of less than one cent each.
Pros and cons of citi double cash credit card:
Pros:
- You can do all purchases rounded up to the nearest 10 rewards points.
- You will get 10% points bonus added to the first 100,000 points redeemed annually.
- You don’t have any rotating categories to manage.
Cons:
- You have to pay foreign transaction fee.
- This card has Potentially high APR depending on your creditworthiness.
- You have to pay high balance transfer fee
- You have to pay annual $6,000 spending cap on 2x points category.
Citi Double Cash Credit Card Apply:
You can easily apply for the Citi Bank Together Cash Credit card either online or in-person at its store. If you want to apply for Citi Bank Together Cash Credit Card then follow these simple steps to apply online.
- First you have to visit the Citi Bank Together Cash Credit card official website www.citi.com/credit-cards/citi-double-cash-credit-card
- Then type your last name and personal id code in the given space.
- Then click on Apply now button.
- Then you will be redirected to a new website where you have to fill up a form.
- Provide accurate informations about your employment and financial status.
- Finally, you have to review the fees associated with the credit card of your choice.
- Anyone can submit this application but the decision will depend on the applicant’s financial portfolio.
Eligibility for Applying citi double cash credit card:
Applicants need to satisfy the following requirements by the bank to become a successful Citi Bank Together Cash Credit Card holder.
- Applicants must have a Citi Bank Together Cash Credit card’s online account.
- You must have a phone number.
- Applicants must be over 18 years of age to use the Citi Bank Together Cash Credit card app.
- You must have a good credit score to get this credit Card.
- You must not been bankrupt or had an Individual Voluntary Arrangement or Debt Relief Order in the last six years.
- You must not have any outstanding County Court Judgement (CCJ’s) in the last six years.
- You must have proof of your current address.
- You must be a legal resident of the United States.
- You need to have a good record of paying bills on time.
Fees and Charges:
- Introductory rate: 0% for 18 months from date of first transfer for balance transfers. Balance Transfers must be completed within 4 months of account opening. After the introductory period ends, the standard variable APR for purchases will be applied to unpaid introductory balances and new balance transfers.
- Standard variable APR for purchase: 14.24% to 24.24%, based on your creditworthiness.
- Standard variable APR for Citi flex plan: 14.24% to 24.24%, based on your creditworthiness.
- Standard variable Cash advance APR: 25.49%.
- Variable penalty APR: 29.99% and applies if you pay late or your payment is returned.
- Minimum Interest Charge: $0.50.
- Annual Fee: None
- Fee for foreign purchases: 3% of the U.S. dollar amount of each purchase.
- Cash advance fee: either $10 or 5% of the amount of each cash advance, whichever is greater.
- Balance transfer fee: intro fee of 3% of each transfer ($5 minimum) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 minimum). New cardmembers only. Subject to credit approval.
Also Read:
How to Access your Chase Credit Card Account
How to Access Union Plus Credit Card Account
How to Manage your Williams Sonoma Credit Card Online
Benefits of Online Banking:
You can have some great advantages if you have an online account in Citi Bank Together Cash Credit Card. You must check out these features before creating a Citi Bank Together Cash Credit card online account.
- With online banking you can check balances, transfer money and pay bills.
- You will be able to view and download statements.
- It will be easy to manage Direct Debits and standing orders.
- You can view your debit card PIN.
- You can easily report a lost or stolen card.
Citi Bank Together Cash Credit Card Register and Login:
- First you have to Launch your web browser (Chrome or Safari) on the laptop or computer.
- Then you will need to navigate to www.citi.com
- There in case you are a new customer then, you have to find for the option that says “Register”.
- Provide your credit card number, card security code, good through date, Social security number to the mandatory fields given.
- Click on ‘Next step’ option.
- Verify your credentials there as needed.
- Then create your user-name and password there.
- Then tap on the ‘Continue’ when you’re ready.
- For login again visit the login page.
- There you will be asked for your login details.
- You have to type the user-name and password in the given place.
- Finally, tap on ‘Sign On in’ to continue.
Citi Bank Together Cash Credit Card password recovery:
If you’ve forgotten any of your login details then don’t need to worry about. You need to follow these simple steps for resetting your user’s name or password.
- First you have to visit the Citi Bank Together Cash Credit card login page www.citi.com
- You have to find for the “Forgot Username or Password?” link.
- You have to tap on it after finding the link.
- A new page will appear.
- Verify your account in that page.
- You have to provide the last 4 digits of your SSN, DOB in the DD/ MM/ YYY format, and Account Number there in the given place.
- Finally, you have to tap on the “Continue” button.
- You can retrieve your username or password easily.
Citi Bank Together Cash Credit Card bill payment:
You can use the Citi Bank Together Cash Credit website or mobile app for making a Citi Bank Together Cash Credit card payment online. You can also pay by phone, through the Citi Bank Together Cash Credit mobile app, by mail or at a branch. There you can also review your statements and account balance, can set up payment notifications and manage your card. There you can also choose how much to pay, when to pay it, and where the payment is coming from.
- Online bill payment:
You’ll first need to set up online access and then log in through the site or app and set up a payment account like your savings or checking account.
- First you have to Log in to your Citi Bank Together Cash Credit Card account online.
- You can also launch the Citi Bank Together Cash Credit App on your mobile device.
- There you will have to choose “Payments” from the main navigation menu.
- There you have to select “Make a Payment.” Option.
- Then you will need to link an eligible checking or savings account from which to make payments.
- You have to choose “Add a bank account” option there and provide your account details.
- Then select a payment amount from the available options there and pay the minimum amount due, the full statement balance, the current statement balance, or enter another amount of your choosing.
- You have to select a payment date, or simply select “pay now” to send your payment on the earliest date available.
- Then choose a payment account from your available bank accounts.
- After that tap on “Review and Verify” to confirm the details of your payment.
- Finally tap on the “Pay now” to make your payment.
- You can set a payment date, amount, and payment account to be used for each automatic payment through selecting a Repeat payment option.
Set Autopay:
- First you will need to sign in to your account online.
- Then you have to click on ‘Pay Bill’ in the top menu bar.
- After that tap on the ‘AutoPay’ option and then click on ‘Set Up’.
- You have to choose an account from the ‘Pay To’ selector if you have more than one account.
- Then choose your payment account from the ‘Pay From’ selector.
- After that you need to select whether you would like to pay your Minimum Payment or Last Statement Balance.
- Then click on the continue button.
- Finally, you need to verify the details you selected are correct and click ‘Confirm’ to finish setting up AutoPay.
- You will get a confirmation notice with the start date of your first automatic payment.
- You have to pay at least your Minimum Payment for that month using a one-time payment to avoid a late fee if you set up AutoPay within 4 days of your Payment Due Date.
- Payment through mail:
If you want to use a check or money order but not cash, you can mail your payment in to Citi Bank Together Cash Credit card’s. You have to Put your card number on the memo or note field of your money order or check so the company applies it to the right account. You have to be sure to send it early enough that it will arrive by the due date. Mail it to
P.O. BOX 9001037
Louisville, KY 40290-1037
Overnight Delivery / Express Payments
Citibank Express Payments
6716 Grade Lane
Building 9, Suite 910
Louisville, KY 40213
Getting Started with your Citi Bank Together Cash Credit Card:
For starting the use of your Citi Bank Together Cash Credit Card, you have to follow certain steps which are mentioned below. Check out these steps before activating your card.
- First you have to activate your Citi Bank Together Cash Credit Card.
- You have to update any bill payment services for paying your credit card bill with your new account information.
- You have to set up automatic bill payments for your account. Update online merchant accounts for storing your credit Card informations for expedited check outs as well as any digital wallets.
- You have to manage your account online, set up repeat payments, enroll in paperless statements for viewing your cards feature and benefits.
Lock your Citi Bank Together Cash Credit Card:
You can instantly lock and unlock your Citi Bank Together Cash Credit Card if lost or misplaced to prevent it from being used for purchases from its mobile app. You will also be able to set transaction limits and even block certain purchases for yourself or authorized users with its Control your card feature. Citi Bank Together Cash Credit card app will send you notifications through which you can monitor spending and catching fraudulent purchases as soon as they happen. You just have to follow these few simple steps.
- Open your Citi Bank Together Cash Credit card mobile app first.
- Log in with your credentials.
- You have to select the card you want to freeze.
- Then tap on the “Control Your Card” option.
- After that press the “Lock or Unlock this card” option there.
- You have to change the settings so that your card is in the locked position.
- This will stop new purchases with the card, including cash advances.
- But this will allow merchant-indicated recurring bill payments, returns, credits, dispute adjustments, payments, account fees, interest, and rewards redemptions.
- You have to navigate back to the Secure Hold page and unlock your card to use your card again.
Customer Support:
For general concerns, there is a customer support which will help you 24 hours a day, 7 days a week.
You can contact their customer service executives through these following details.
General Support & Servicing
Call the number on the back of your card.
If you do not have the card, then call 1-800-950-5114
TTY: 1-800-325-2865
For persons with hearing or speech impairments.
Apply for a Credit Card & Check your Application Status
1-888-201-4523
TTY: 1-800-325-2865
For persons with hearing or speech impairments.
Apply for a Costco Credit Card & Check your Application Status
1-877-343-4118
TTY: 1-866-210-0617
For persons with hearing or speech impairments.
Mailing address:
You can also mail them through this following given address,
Payments by Regular Mail for the Costco Anywhere Visa® Cards1
PO Box 78019
Phoenix, AZ 85062-8019
General Correspondence for the Costco Anywhere Visa® Cards
Costco Consumer and Costco Small Business
PO BOX 790046
ST. Louis, MO 63179-0046
Overnight Payments for the Costco Anywhere Visa® Cards
Attention: Bankcard Payments Department
6716 Grade Lane
Building 9, Suite 910
Louisville, KY 40213
General Correspondence
Citibank Customer Service
P.O. Box 6500
Sioux Falls, SD 57117
Overnight Delivery / Express Payments
Citibank Express Payments
6716 Grade Lane
Building 9, Suite 910
Louisville, KY 40213
Payments by Regular Mails
P.O. BOX 9001037
Louisville, KY 40290-1037
Reference:
www.citi.com/credit-cards/citi-double-cash-credit-card
