Citi credit cards provide a host of benefits, including some generous points and miles earning opportunities (depending on the card you have).
But, when it comes to travel insurance, let’s just say it’s not necessarily Citi cards’ strong suit.
Still, there are Citibank travel insurance benefits you should know about to ensure you use the right card when paying for your next trip. Here are the primary benefits associated with Citi card travel insurance.
Do Citi cards have travel insurance?
Only two Citi cards have travel insurance, and each one has a different set of benefits.
Car rental insurance
If you use either of the two Citi credit cards listed above to pay for a car rental, Citi travel insurance will protect any damages to a rental car up to $50,000.
This amount will cover the cost of repairs or the cash value of the car, whichever is lower. It applies anywhere you rent a car — there are no geographic limitations — as long as the rental period is no longer than 31 days. Citibank travel insurance covers accidental damage, theft, vandalism or a natural disaster, and any necessary towing costs.
🤓Nerdy Tip
Citi’s rental car insurance is secondary when renting a car within the U.S., but if you’re renting outside of the country, it switches to primary coverage.
With secondary insurance, you need to rely on any other insurance coverage you have before Citi’s car rental insurance kicks in. Primary insurance, alternatively, will be the first line of coverage you have.
Coverage wouldn’t apply if you rent the car to someone else or operate a rental car as a rideshare vehicle. It also only covers the car, not any personal injuries that might result from an accident.
There are several types of vehicles that are excluded from coverage. These include:
Trucks, pickup trucks, trailers, full-size vans on a truck chassis or recreational vehicles like campers and off-road vehicles.
Motorcycles or motorized bikes.
Commercial vehicles or cargo vans.
Any vehicle with fewer than four wheels.
Antique vehicles older than 20 years or that have not been made in the past decade.
Limousines.
Sport-utility trucks or open, flat-bed trucks.
Any vehicle that retails for over $50,000.
Costco Anywhere Visa® Card by Citi travel insurance benefits
Roadside assistance
When driving in the U.S., roadside assistance is available for Costco Anywhere Visa® Card by Citi cardholders by calling 866-918-4670.
Roadside assistance is valuable in the event of an accident, loss of fuel or other vehicle malfunction. Keep in mind that you would still have to pay for the assistance (like a tow truck, for example), but this benefit makes it easy to reach someone with one phone call.
Citi card provides access to similar assistance as a membership program like AAA. The difference is that AAA’s annual fee covers roadside assistance fees while Citi’s coverage doesn’t; it solely provides access to someone who can help you for a reduced rate.
Worldwide travel accident insurance
The Costco Anywhere Visa® Card by Citi includes accident insurance, which covers the cardholder or family members if they are injured or killed when traveling on a common carrier (any vehicle that is licensed to carry passengers like a bus, plane, cruise ship or train).
You will need to have used the Citi card to cover the entire cost of the travel on that common carrier for the benefit to apply. The maximum coverage is $250,000.
Travel and emergency assistance
The Costco Anywhere Visa® Card by Citi card provides access to a 24/7 concierge to help you with a disruption to your trip. This can include medical assistance, referrals to a doctor or legal help. It can also help if you need to adjust travel plans.
Just remember, you’ll be responsible for paying for any services used, but the call is toll-free.
Citi® / AAdvantage® Executive World Elite Mastercard®travel insurance coverage
Baggage protection
Only available for the Citi® / AAdvantage® Executive World Elite Mastercard®, this luggage protection provides coverage if your checked bag is stolen, lost or damaged.
The insurance covers as much as $3,000 per person ($2,000 for New York residents), but only kicks in if you use the card or American AAdvantage miles to pay for the trip.
Trip cancellation and interruption insurance
If a covered traveler has a medical emergency or dies, the Citi® / AAdvantage® Executive World Elite Mastercard® coverage can provide reimbursement for up to $5,000 in eligible nonrefundable expenses.
You would need to use the card or American AAdvantage miles to pay for the trip.
Trip delay protection
Another benefit that’s reserved only for the Citi® / AAdvantage® Executive World Elite Mastercard® is trip delay protection. This coverage kicks in if your trip is delayed by at least six hours, and offers reimbursement for expenses incurred during the delay, up to $500 per trip.
This would include reasonable purchases like hotel stays, rental cars and meals.
Does Citibank offer travel insurance?
Both cards include rental car coverage, but beyond this, each has its own set of benefits. Depending on which one you hold, it may include coverage like trip delay protection or roadside assistance.
People hold Citi cards for many reasons, including the ability to earn transferable Citi ThankYou Points. But, the travel insurance benefits are somewhat limited. If you have a Citi card, review the travel insurance perks before you take off to understand your coverage.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024, including those best for:
Update 11/3/23: Added note below about possible new rule which auto-declines applications if there was a hard pull done on your credit report from any bank in the past 5 days. This also may cause a decline for another 60 days since Citi will just use the old credit pull for up to 60 days. (After 5 days you can call reconsideration and ask them to run your credit report again for approval.)
Original Post:
Citi has strict rules on how many card applications they’ll accept from someone. Many people are confused about this, and we’ll try explaining Citi’s rules as clearly as possible.
Note: This post is not about Citi’s 24-month rules regarding how frequently you can get a signup bonus (we have a separate post on that churning rule). Here we’ll discuss when they’ll process your application at all and when they’ll deny you, often without even pulling your credit.
There are still some question marks here – please contribute your own data points in the comments. We’ll try to keep this post updated with any future rule changes as well.
Personal Cards (8/65)
There are two rules to be aware of regarding Citi personal cards:
Must wait 8 days after application before applying for another card. While this rule is well known, there are data points of those who got approved for a second card within 8 days, so this might not be a hard rule (Flyertalk). Based on this, I’d guess that a hard pull will be done for applications within 8 days.
No more than 2 Citi applications within 65 days. The real rule is 60 days, but it’s become common to wait 65 as a safeguard since Citi has been known to miscount.
These two rules have borne the short-hand ‘Citi’s 8/65 rule’.
That is, after applying for a Citi card (Day #1), wait eight days before applying for another Citi card on Day #9. Then you’ll have to wait until Day #66 to apply for a third card. Then on Day #74 you can apply for the next one. And so on.
Business Cards
Regarding business cards, the rule is as follows:
Must wait 90 days between business card applications. Again, we’ll wait an extra 5 days to be safe.
For example, if you apply for a business card today Day #1, you can apply for another business card on Day #96.
Personal + Business Combo
It appears that both business cards and personal cards combine toward for the 65-day wait. A friend reports that during a recent business card application, Citi didn’t even do a hard pull due to the fact that he had done two personal two applications within the past 60 days. Other reports (1, 2) confirm this as well.
The 8-day rule is often relaxed when applying for one business and one personal card, meaning that you can apply for a personal and business card on the same day or the same week and don’t have to wait 8 days in between (Frequentmiler and others). This can be the case even when applying for both with your SSN. Being the 8-day rule is a soft rule, it’s difficult to track solid data on this.
You can apply for a business card using an EIN within 8/65 since business applications run separately. Thus, it’s possible to get three cards within 60 days (2 personal and one business) (1, 2, 3). [However, note, there are data points indicating that while EIN applications don’t count your previous SSN applications against you, SSN applications DO count your previous EIN applications against you (1). Hopefully, this makes sense.]
Notes about the Rules
Even denials count. For example if you were denied for your second card on Day #9, you still have to wait until Day #66 for the third application. And the same is probably true for business cards: if you were denied a business card, you’ll have to wait 95 days to try again.
If your application did not get processed, e.g. if you violated the 8/65 rule, that application will likely not count against you toward your 8/65 (Reddit).
The only day that matters is the application date, not the card approval date.
All calendar days count, even non-business days.
Other Rules
5-Day Credit Pull Rule
Frequentmiler has some reports indicating a possible new rule which auto-declines applications if there was a hard pull done on your credit report from any bank in the past 5 days. This also may cause a decline for another 60 days afterward since Citi will just use the old credit pull for up to 60 days. (After 5 days you can call reconsideration and ask them to run your credit report again for approval.)
New 1/60 Rule?
In the past few months, some people have been told by Citi that only one new card can be approved per 60-days.
Is there a new 1/60 rule? Based on numerous data points, my understanding is that this is not a firm approval rule. There does seem to be a fraud detection in place when you apply for two cards within 60 days which requires manual intervention. I believe this issue is only when you apply for two of the same cards (e.g. two AA cards), but not when you apply for two separate cards.
Max Hard Pull Rule (6/6)?
Many people mention that Citi does not approve applicants who have six hard pulls on their credit report within the past six months.
There’s not a whole lot of information out there on this rule, but it’s probably a generalization, not a firm rule. There will presumably be a hard pull if you apply when you have more 6/6.
Since this rule tracks pulls, not cards, it’s much easier to get around it by spreading your hard pulls around various credit reports. Most people are usually under 6/6 since even if they do have six hard pull, overall, in the past six months, there will be a few pulls with each credit bureau, not six with a single one.
Max Credit
This isn’t a rule, but some people mention having a hard time getting approved for a card after they have a certain number of cards, or, perhaps, a certain amount of overall credit limit with Citi. This is probably true for a lot of card issuers, and it’s something to keep in mind.
If you have too many cards and high credit limits, consider proactively closing some of them before applying. Or try asking the credit analyst to close out another card in order to get the new one approved.
FAQ
1) You say that denials count. What if I mistakenly applied for a third card within 60 days. Does the 8/65 start over or is the dead application rendered non-existent?
Flyertalk suggests that your clock probably resets anyway, as if it were a real application. Some data points confirm this as well. (I did hear one data point about a Citi business card which would seem to suggest otherwise regarding the 90 day business rule.)
2) Is a product change considered an application toward your 8/65?
Logically, it shouldn’t count since it’s not an application.
3) If you have a targeted offer which doesn’t have the 24-month language, will it bypass the 8/65 rule?
No. It’s subject to 8/65 and it counts against future applications as part of 8/65.
4)Any advice if can’t remember the exact date I applied?
You can figure it out from your application number. The date is written year/month/day in the application number. For example, 201412150000 means you applied on December 15, 2014. (Flyertalk)
5) Is there an easy way to count up 8/65 without adding up the days on the calendar?
Try this.
6) Can I apply for a card I already have to have two of the same card?
You can usually do that with personal cards but not with business cards. That does not mean you’ll get the bonus on the second card. Read more about that here.
Editor’s note: This is a recurring post, regularly updated with new information and offers.
If you like flying for (much) less, want to maximize frequent flyer award chart sweet spots and have transferrable credit card points to redeem, it’s time to learn about some of the amazing deals you can book with Turkish Miles&Smiles.
Just how good of a deal are we talking?
How about a 7,500-mile award from the U.S. mainland to Hawaii on United? Perhaps you’d prefer a lie-flat seat on a cross-country journey for 15,000 miles? Or Europe in business class for 45,000 miles each way, compared to the 200,000 plus miles some programs with dynamic pricing are now charging? The Turkish Miles&Smiles program makes all this possible.
Even better? The program is a 1:1 transfer partner of three popular transferable currencies.
If you want to learn about an international frequent flyer program that’s jam-packed with redemption sweet spots, here’s what you need to know about Turkish Airlines’ Miles&Smiles.
How to earn Turkish Miles&Smiles
Transfer points from credit card programs
While there are no Turkish-branded credit cards available in the U.S., you can transfer rewards from three programs with transferable currencies directly to Miles&Smiles at a rate of 1:1: Bilt Rewards, Capital One and Citi ThankYou Rewards.
There’s only one card that allows you to earn Bilt points: the Bilt Mastercard (see rates and fees). While it doesn’t offer a welcome bonus, it does allow you to pay rent with no fees and earn 1 point per dollar (up to 100,000 points per year). You’ll also earn 3 points per dollar on dining and 2 points per dollar on travel, though note that you must have at least five eligible transactions during your billing period.
Meanwhile, here’s a list of some currently available cards that earn transferable Capital One miles:
Sign up for our daily newsletter
Capital One Venture Rewards Credit Card ($95 annual fee, see rates and fees): New cardmembers earn 75,000 bonus miles after spending $4,000 on purchases within the first three months from account opening.
Capital One Venture X Rewards Credit Card ($395 annual fee, see rates and fees): New cardmembers earn 75,000 bonus miles after spending $4,000 on purchases within the first three months from account opening.
Capital One VentureOne Rewards Credit Card (no annual fee, see rates and fees): New cardmembers earn 20,000 bonus miles once you spend $500 within the first three months from account opening.
Capital One VentureOne Rewards for Good Credit (no annual fee, see rates and fees).
Capital One Spark Miles for Business ($0 annual fee for the first year, then $95, see rates and fees): New card members can earn 50,000 bonus miles after spending $4,500 in the first three months of account opening.
Capital One Spark Miles Select for Business (no annual fee): New cardmembers can earn 20,000 bonus miles after spending $3,000 in the first three months of account opening.
The information for the Capital One Spark Miles Select has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Finally, here are some of our favorite Citi cards that can earn ThankYou points:
Related: Is Citi ThankYou Rewards the most underappreciated and misunderstood program?
Transfer points from hotel programs
You can also transfer Marriott Bonvoy points at a rate of 3:1 (so 3,000 Bonvoy points would become 1,000 Turkish points).
For every 60,000 Marriott Bonvoy points you transfer, you’ll receive a bonus of 5,000 Miles&Smiles.
Related: 17 ways to earn lots of Marriott Bonvoy points
Earn points from flying
You can fly Turkish Airlines-operated flights, and you’ll earn reward miles based on your fare class, Miles&Smiles elite status level and the distance of the flight.
If you flew Turkish Airlines from Los Angeles to Istanbul (a 6,865-mile route) in a discounted ‘U’ economy fare, you would earn 25% of the miles flown or 1,716 redeemable miles. That’s not great, but it’s something.
Turkish Airlines is in the Star Alliance, and as a result, you can also earn miles by flying Turkish’s partner airlines and crediting those miles to your Miles&Smiles account. For many U.S.-based travelers, the most likely partner to fly and credit to Miles&Smiles would probably be United Airlines — especially given the program’s recent devaluations.
You’ll earn Turkish miles based on the fare class and distance of your United-operated flight.
There are different earning charts for each partner airline. So, be sure to check if your fare class is eligible to earn miles and how many miles you’ll earn before deciding to put your Turkish frequent flyer number on a partner reservation.
Finally, Turkish miles expire three years from the time they’re earned. You can pay a rather expensive fee of $10 for every 1,000 miles that are about to expire to extend them for another three years. However, you should plan on using your Turkish miles long before they expire.
Read more: How to keep your points and miles from expiring
How to redeem Turkish Miles&Smiles
How to book a Turkish Airlines-operated award flight
If you want to book an award ticket operated only by Turkish Airlines, you can get to the award booking engine from the Turkish home page by clicking the “Award ticket” checkbox.
This will require you to log in to your Miles&Smiles account and then bring you to the award ticket booking engine, where you can enter your origin, destination, dates, class of service and number of passengers. Pro tip: Don’t include the leading TK portion of your account number when you log in. Also, remember this first search screen is only for Turkish-operated flight itineraries.
After you select a flight option, you’ll see the flight details, aircraft type and the award space labeled as promotional pricing or regular pricing, which will match the published award charts:
The following page will give you the total flight cost, including taxes and fees, even if you don’t have the required miles in your account.
How to book a Star Alliance partner award flight
If you want to search for Star Alliance-operated award flights (such as those operated by United, Lufthansa, Air New Zealand and others), you must find the Star Alliance award search engine.
To access Star Alliance award searches, log into your Turkish Miles&Smiles account and, on the drop-down menu (below your name), select “Miles Transactions” as shown below:
On the next page, you’ll see the link that will take you to the Star Alliance award ticket booking engine:
The engine looks identical to the Turkish-operated award search engine, except it says “Star Award Ticket” at the top:
You can then follow the same process to book partner flights.
Related: The best websites for searching Star Alliance award availability
Things to know about Turkish Miles&Smiles
The best way to redeem Turkish miles is for award flights. While other options may exist in the program, booking Turkish or Star Alliance-operated flights will get you maximum value.
With that in mind, here are a few of the most important rules and nuances of Miles&Smiles:
Miles&Smiles prices award flights on region-based award charts.
There are two levels of award availability for Turkish-operated flights: regular and promotional. Regular doesn’t technically have a name. It is just “award ticket” when you see it in the search results. Promo space (still referred to as “limited space capacity” in the terms and conditions) means fewer seats are available at a much lower mileage cost than the regular “award ticket” space.
Award ticket prices for flights within the same region cost 15,000, 25,000 and 40,000 miles round trip for economy, business and first class, respectively.
You can book one-way awards for half the price of a round-trip journey.
You can redeem miles for anyone besides yourself, but you must register them in your Miles&Smiles account first.
If you need 10,000 additional miles or less to issue an award ticket, you can buy them at a rate of 25 euros (about $27) per 1,000 miles.
Fuel surcharges are not charged on United flights and are somewhat reasonable on Turkish flights, but can be problematic on some Star Alliance carriers like Lufthansa.
Award tickets can be canceled or changed for a fee of $25.
One open jaw is allowed on a round-trip ticket. An open jaw is an itinerary when you fly into one city and out of another.
One stopover is allowed in Istanbul on the outbound or return of a Turkish Airlines-operated award itinerary. A stopover is when you stay in a city along the path of your itinerary for a period of time.
Award tickets can have a maximum of eight segments: four on the inbound and four on the outbound.
You can put award tickets on hold for 72 hours, even with zero miles in your account.
Best uses of Turkish Miles&Smiles
Hawaii for 7,500 miles one-way, 15,000 miles round trip
Flights within the same region, as defined by the Turkish region chart, cost 15,000 miles round trip. Honolulu’s Daniel K. Inouye International Airport (HNL) is specifically included in the North America region (though all other Hawaii destinations price out the same) along with the rest of the U.S. This makes one-way flights to the Aloha State just 7,500 miles each way. These awards are bookable online and carry no fuel surcharges.
Even one-stop itineraries from the East Coast cost just 7,500 miles each way.
Theoretically, you can fly in business class for just 12,500 miles each way (a tiny fraction of the more than 40,000 miles United would charge). However, know that business-class awards to Hawaii are extremely hard to find.
Alaska, Puerto Rico or the U.S. Virgin Islands for 7,500 miles in economy or 12,500 in first class
We’re starting to sound like a broken record at this point, but hang in there: San Juan, Puerto Rico, as well as Alaska and the U.S. Virgin Islands, are grouped in with the rest of the U.S. This means award flights are 7,500 miles each way in economy or 12,500 in first class.
While United doesn’t usually fly fancy lie-flat seats to these destinations, the flight can be long enough that doing it in domestic first class is still a bargain for just 12,500 miles. That is, if you can snag it.
U.S. to Mexico for 10,000 miles one-way in economy or 15,000 miles in business class
You can book that beach getaway from the U.S. down to Mexico for just 10,000 miles in economy or 15,000 in business class. Whether you want Cancun International Airport (CUN), Puerto Vallarta’s Gustavo Diaz Ordaz International Airport (PVR) or Mexico City International Airport (MEX), the Turkish award price to fly United is the same awesome deal. For comparison, United would usually want at least 17,500 miles each in economy or 30,000 miles to sit up front in each direction.
U.S. to Europe for 45,000 miles one-way in business class
You can fly From North America to Europe Zone 1 and Europe Zone 2 for the same miles. Economy costs 30,000 miles one-way, and business is a fantastic 45,000 miles, flying either Turkish Airlines or Star Alliance partners (or a combination of both). This is arguably the best business-class price you will see to Europe (outside of the occasional Flying Blue Promo Awards).
North America to India for 52,500 miles in business class
One of the most common award routings we’re asked to find is a round-trip flight to India. India is included in the Central Asia zone on the Turkish chart. These tickets cost just 34,000 miles one-way in economy and 52,500 miles in business class.
Intra-Oceania for 15,000 to 25,000 miles one-way in economy or business class
Intra-Oceania is a big zone stretching from French Polynesia to Australia, New Zealand and beyond. It’s available for 25,000 miles one-way in business class. These can be tough awards to score, often on Air New Zealand, but it’s a steal when you can book one. The catch? We haven’t gotten the online search site to recognize the gateway to French Polynesia — Tahiti’s Faa’a International Airport (PPT) — so you may have to call to book those awards.
Bottom line
The game of chasing the best frequent flyer programs and redemptions is always changing. No single program is the best at everything, but the Turkish Miles&Smiles program is worth investigating. Especially for those who have access to Bilt points, Citi ThankYou points or Capital One miles and like to fly on Star Alliance airlines, there are some excellent value redemptions.
Additional reporting by Ben Smithson.
See Bilt Mastercard rates and fees here. See Bilt Mastercard rewards and benefits here.
Deal has ended, view more credit card bonuses by clicking here.
Update 11/3/22: Deal is set to end on 11/14/22. Hat tip to MtM
The Offer
Direct Link to offer
Citi is offering a $200/20,000 Thank You points signup bonus on the Double Cash card when you spend $1,500 within the first 6 months.
Not all links are showing the $200 bonus, be sure to use a landing page that does show it.
Card Details
2% cashback on all purchases; 1% with the purchase and another 1% at time of payment; no caps or category restrictions
Card earns ThankYou points which can be redeemed for cash (1:1) or transferred to partners or on other ThankYou redemption options
No annual fee
3% foreign transaction fee
Our Verdict
Sweet deal for the Double Cash card which now has the flexibility of being either straight cash or ThankYou points. We may have briefly seen $200 before at launch and we’ve also seen $100 and $150, but typically there’s no bonus on this card.
Spend requirement isn’t bad at $1,500 and you get 6 months for that. A lot of people will find the card useful to have for ordinary use as well.
As always if you have questions about Citi cards, read this first. We’ll add this to our list of Best Credit Card Signup Bonuses.
I can’t find any signup bonus limitations on this card. Far as I can tell, this bonus is the Rewards+ bonus which does not seem to have any limitations. So even if you already got a bonus on the Double Cash card or any other Citi card, you can still signup now and get the bonus. Please correct me if I’m missing it somewhere.
Earlier this year Citi announced it was discontinuing the two Expedia cards they offered and cardholders would be product changed to other Citi cards. In addition a bonus of $100 was offered. Cardholders have received that bonus, but now report receiving the following e-mail:
Dear Expedia member,
We recently sent you an email in error stating that your Expedia Rewards Voyager Card from Citi would be converted to a Citi Premier® Card. No changes were made to your Expedia Rewards Voyager Card and it will not be converted to a Citi Premier account. In addition, no changes were made to the status of your Expedia Rewards account. Any Expedia Rewards status extension and bonus points that were awarded as a result of the email will be honored. We apologize for any inconvenience or confusion the original email may have caused you.
There’s no further action needed, thank you for your continued loyalty.
Sincerely,
The Expedia Team
Looks like the $100 bonus will stick around as well as per the terms of the e-mail.
I applied last year for the Citi Premier’s 80,000 point bonus, and now that the second annual fee is due, the card is on the chopping block. After failing repeatedly to receive a retention offer from Citi, I gave up and decided to downgrade the card. My only active Citi card is the Premier card.
After some consideration, I came to the conclusion that it would be beneficial to have two Citi cards for the long term, with additional cards thrown in as needed or as bonuses become available:
I wanted the ability to earn a 10% bonus on cash redemptions, but the Rewards+ card does not allow cash redemptions, only gift card redemptions:
The Citi Custom Cash card has no annual fee and offers 5% back on your top category each month on up to $500 in spend. The card also enables redeeming ThankYou points for cash at 1 cent-per-point.
The Custom Cash card will allow me to cash out ThankYou points at 1 cent-per-point, and then I’ll get a 10% redemption bonus with the linked Rewards+ card.
I decided to get one of the two cards via product change and the other via new application. Both the Custom Cash and the Rewards+ card offer a 20,000/$200 bonus signup bonus. I applied for the Custom Cash card via new application and product changed my Premier to the Rewards+.
Product changing from Premier to Rewards+ should avoid resetting my 24 month clock on the Prestige/Premier/Preferred/Rewards+ family of cards if the card number remains the same. Indeed, my card number remained the same through the product change, and my ThankYou points remained intact through the downgrade as well.
Citi always says some confusing thing about how their product changes are only complete after 45 days. For me, everything seemed to change over to the Rewards+ within a week or two, and the $95 annual fee was refunded within a couple of weeks as well.
So that’s my latest Citi churn. Hopefully someone found this interesting. 🙂
The Offer Direct Link to offer Limited Time Offer: Citi has increased the signup bonus on their Rewards+ card to 25,000 ThankYou points (previously 20,000). Spend requirement is the same at $1,500. They are also showing a limited time offer to earn 5 total ThankYou Points per $1 spent on hotel and car rentals booked on the […]
Update 4/11/23: Citi has made some changes to the rules, Citi family cards now have a 48 month clock similar to the American Airline cards. [Note: if some of this post is not showing properly, try without adblock.] Citi has a rule that once you get the signup bonus on a credit card, you can’t […]
When you think of credit cards you probably think: debt, fees, and compounding interest. But, if you use credit cards correctly it can actually save money. I’m serious. Travel credit cards, in particular, have a lot of perks built in, not only saving you money on vacation but also during normal life. Before I begin,
The post How Travel Cards Can Save You Money appeared first on MintLife Blog.