Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.
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 for 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 15.49% – 25.49% (Variable).