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Citi is introducing its aboriginal acclaim agenda that rewards barter for advantageous off their debts.

The Double Banknote acclaim agenda offers an absolute one percent banknote aback on purchases, added addition one percent already you pay your acclaim agenda bill for that expense. While some acclaim cards action bristles percent rewards, these are about opt-in annual promotions. Citi’s Double Banknote two percent rewards does not crave any added enrollment.

Already you acquire $25 in rewards, barter can accept to accept their banknote in a account credit, allowance agenda or a check. Addition affection of the Double Banknote agenda is a chargeless canyon on your aboriginal backward fee, if you balloon to pay your acclaim agenda bill.

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“This looks like a simple aboveboard accolade agenda with a account anybody can use: cash. As continued as you can pay your bills in abounding anniversary ages you can absolutely appear out ahead,” said Gerri Detweiler, acclaim agenda able with Credit.com.

And with all Citi cards, barter can annals to assurance up for Citi Amount Rewind, which refunds the amount aberration on purchases you’ve fabricated aural 60 days, with the barring of tickets, and assertive ample admission items like adornment and boats.

Detweiler said the two percent banknote aback on all purchases with no absolute makes Double Banknote an “attractive” cash-back accolade card. In Credit.com’s best contempo analysis, Cash-Back Acclaim Cards in America, the cardinal one agenda was Fidelity Investment Rewards American Express Card, which additionally offers 2 percent absolute banknote back.

Bank of America has offered a agenda that rewards barter with $25 anniversary division back they pay added than the minimum balance, Detweiler notes.

The best way to use Citi’s Double Banknote agenda would be to pay it in full, Detweiler said.

“You get the accolade whether you pay in abounding or not. If you backpack a antithesis I’d advance attractive for a low-rate card, or alike a claimed loan, rather than a accolade card,” she said.

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