Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
2X
Top Rate
Annual Fee
$0
Network
Mastercard World
Rewards Currency
Dillard's
Credit Required
Good
Benefits & Perks
Extends the manufacturer's warranty on purchases with your Citi Card by 24 months, up to $10,000 per item, capped at 7 years total.
Monitor your credit file for suspicious activity with alerts for new inquiries, address changes, and accounts.
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Items purchased with your Citi Card are covered against damage or theft for 90 days, up to $1,000 per Incident.
Reviews & Analysis
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$60
Annual Fee
-$0
Net Annual Value
+$60
Details & Terms
| Purchase APR | 32.49% (Variable) |
Media & Resources
| Source | Verified | Citation |
|---|---|---|
| RewardsCC API | — | RewardsCC API |
| Citi | Citi: Apr |
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.