Credit cards are confusing. So many features, so much to think about. Even the words used to describe credit cards are complicated, that's what we love about the Citi Double Cash credit card. In a word, it's simple. Simple to understand, simple to use, simple to redeem your money back.
| Positive points | Negative points |
|---|---|
| Can convert cash back into travel points | No bonus category |
| Introductory 18-month 0% APR on balance transfers | 3% foreign transaction fee |
You won't be left behind when it comes to rewards, because Citi Double Cash always earns an industry-leading 2% fee on everything you buy, 1% when you make a purchase and another 1% when you pay. What's more, it has absolutely no annual fee, which means that it is basically a card that you can keep in your purse or wallet and never worry about again.
In addition to having no annual fee, Double Cash has one of the best and most straightforward earning rates on all credit cards. You will get 2% cash back - 1% when you buy something and another 1% when you pay - on every purchase you make, with no limits of any kind.
| Benefits | |
|---|---|
|
Flag
|
Mastercard |
|
Online
|
100% online application |
|
Rate
|
No annual fee |
|
Convenience
|
For day-to-day use |
Advantages
For people who don't spend a lot of money each day on a specific bonus category, such as groceries, food delivery, or travel, earning flat-rate cash back probably makes the most sense, and there are very few other credit cards available today that offers a flat-rate return on every purchase without an annual fee. Click the button below and apply for your card:
I Want My CardRedeeming your money
The cash back you earn with Citi Double Cash is also easy to redeem. You can use it as a statement credit to offset any purchase you make with the card, deposit it into a bank account, or have Citi send a check for it. The only requirement is that you need to earn $25 in cash back as a redemption minimum if you request a check, but there is no minimum for direct deposits or statement credits, and there is also no upper limit on the amount you can redeem.
Should I apply for this card?
If you prefer to earn money back in your pocket every month without thinking too much about it, you have probably found the perfect card. And you've also arrived at the perfect time to get it, because for a limited time, you can get it with a first-time sign-up bonus. Let's take a look at why we think the Citi Double Cash is a great option for people who want the "set it and forget it" option of the credit card world. Click the button below and apply for your card:
I Want My Card
