⭐ Editor's Choice — Top Rated Pick
Citi® Double Cash Card
📍 Available in: US
★★★★★ 4.8 / 5.0
The Citi Double Cash is the king of simplicity. Earn 1% when you buy, 1% when you pay — totaling 2% cash back on every single purchase with no annual fee, no categories to track, and no activation required. It is the benchmark against which every other cash back card is measured.
Key Facts at a Glance
| Cost / Fee Structure | $0 |
| APR / Rate | 19.24% - 29.24% Variable |
| Sign-Up Bonus / Match | $200 Cash Back |
| Credit / Eligibility | Good to Excellent (690+) |
Pros & Cons
✓ Pros
- ✓Best flat-rate cash back on the market
- ✓$0 annual fee forever
- ✓Can convert to travel points via ThankYou Rewards
- ✓Very strong 18-month 0% balance transfer offer
✕ Cons
- ✕3% foreign transaction fee makes it unusable abroad
- ✕Requires discipline to pay off balance to get the second 1%
Key Features
2% Flat Cash Back (1% buy, 1% pay)No Annual Fee0% Intro APR on Balance Transfers (18 Mos)ThankYou Points Eligible
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