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0%The Citi Double Cash Credit Card offers a simple way to earn 2% cash back—1% when you buy and 1% when you pay—with no categories and no annual fee.
Credit Card
Citi Double Cash
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Top Credit Card Issuers in the US
Chase: Known for a wide selection of cashback and travel cards, supported by strong digital tools and customer service.
Capital One: Offers flexible approval standards and straightforward rewards, popular with everyday spenders.
Discover: Recognized for rotating cashback categories and free FICO score access.
American Express: Stands out for premium perks and travel-focused rewards.
Citi: Provides practical cashback cards like Citi Double Cash, valued for flat-rate earnings and balance transfer options.
Major Bank Credit Cards
Large banks issue cards with travel perks, intro APR promotions, and purchase protections. These products often require solid credit and may include added features, but some come with complex reward structures or annual fees that don’t suit simple cashback seekers.
Citi Double Cash Card Features
Citi Double Cash is built for uncomplicated rewards. You earn 1% cash back on purchases and another 1% when you pay them off, totaling 2% unlimited cash back with no caps. New cardholders can earn a $200 bonus (20,000 ThankYou® Points) after spending $1,500 in the first six months.
The card includes a 0% intro APR on balance transfers for 18 months (balance transfer fee applies). There’s no annual fee, and rewards can be redeemed as statement credits, direct deposits, checks, travel, or Amazon purchases.
Fintech and Online-Only Issuers
Digital providers like Petal and Tomo offer streamlined approval processes and app-based management tools. While convenient, they may not match the consistent 2% return or balance transfer flexibility of Citi Double Cash.
Secured and Store Credit Cards
Secured cards require a refundable deposit and help establish payment history but usually offer limited rewards. Store-branded cards may provide discounts yet often carry high APRs and restricted acceptance.
Credit Impact
Responsible use of this card can strengthen your credit profile. Keep balances below 30% of your limit, pay on time, and avoid frequent new applications. Managing your account carefully helps maintain long-term financial stability.