Citi Double Cash
2% on everything (1% when you buy, 1% when you pay)
4.7
Editor rating · out of 5
Best for: Pure flat-rate cash back with no categories
The original 2% card. Pair with a Citi Premier or Strata to convert to transferable ThankYou points.
Pros and cons
Pros
- +2% on everything
- +18-month 0% on balance transfers — one of the longest
- +Cash back converts to ThankYou points if paired with Premier/Prestige
Cons
- −No 0% on new purchases
- −Balance transfer fee 5% or $5 (3% if transferred in first 4 months)
Key details
Annual fee
$0
Rewards
2% (1+1)
Balance transfer APR
0% for 18 months
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