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This simple but excellent rewards card from Citi comes with a unique twist: It offers 2% cash back on all purchases, but you’ll get 1% when the purchase is made and 1% when it’s actually paid for. There’s also a long intro APR on balance transfers and some basic benefits.
Citi is a Credit Card Insider advertiser.
The Citi® Double Cash Card is an interesting flat-rate cash back credit card with a unique offer.
It offers 2% cash back for all purchases: 1% cash back when a purchase is initially made, and then an additional 1% when that purchases is actually paid for.
Cash back can be redeemed as normal or converted to ThankYou points, where it could be worth more than usual. Every $1 in cash back will convert to 100 ThankYou points, and those points can be transferred to Citi’s airline partners, where they might be worth as much as 2 cents each or more. That would give you a 4% return on your spending!
With no annual fee and an introductory APR of 0% for 18 months on Balance Transfers, this is, by the numbers, one of the most rewarding general-purpose cash back credit cards available.
After that promotional rate runs out, you’ll get a regular balance transfer APR of 13.99% – 23.99% (Variable).