Citi Double Cash
Citi
Annual fee
$0
Rewards rate
2%-1%
Welcome Bonus
$200
Apply Now →on Citi's website
- 2%Cash back on all purchases
Welcome Bonus:
Earn $200 after spending $1,500 in the first 6 months.
Reward Rate:
Earn 1% cash back on purchases and an additional 1% as you pay for it.
A key differentiator of the Citi Double Cash is its unique structure of earning 1% when you buy and another 1% when you pay, making it a great option for those who manage their payments well.
Pros:
- Unlimited 2% cash back
- No annual fee
Cons:
- Requires timely payments to earn full rewards
- Higher spending requirement for bonus
The Citi Double Cash card is well-suited for individuals who consistently pay off their balances in full, allowing them to maximize the benefits of its unique cash back structure. With no annual fee and a straightforward rewards program, it is an appealing choice for those seeking a simple and effective way to earn cash back on everyday purchases.