Sep 152006
Citi has not notified me of a change in my Citi Dividend card yet. On the fatwallet forums, many poeple have also noticed that people that have had the card for less than one year have not been notified of the change.
I think Citi does not want to irritate new cardholders so they will probably wait a bit before phasing in the card scalebacks.
Regardless, I’m going to do a no-fee balance transfer with my Citi Dividend Card and start using the Chase Cash Plus card. The $200 limit will force me to spend less and save more.
The Chase Cash Plus Visa card is pretty good (and, surprisingly, still available). However, there are some cards that are better (e.g. Citi Driver’s Edge, AmEx Blue Cash, and others depending on your spending profile).
You can use the free calculator tool at Credit Card Tune-Up: Maximize Your Cash Back Rewards to see which card or cards will pay you the most cash back for your spending profile.