Cardholders receive a 0% introductory APR on balance transfers for the first 18 months of account opening (18.99% to 28.99% variable thereafter). Long 0% intro APR offer on balance transfersĪs an added perk, the Citi Double Cash Card comes with a lengthy balance transfer offer. Depending on the partner, it’s possible to nearly double the average value of your points, based on Bankrate’s latest point valuations. Unlike the Double Cash Card, it has access to all of Citi’s 16 airline and hotel transfer partners. ![]() This is a travel rewards card packed with travel perks. Travel enthusiasts looking to maximize their Citi rewards can pair the Citi Double Cash Card with the Citi Premier® Card. On the flip side, when it comes to travel, it may be possible to increase the value of your rewards. For example, 1 point is only worth 0.8 cents when redeeming to pay for Amazon purchases. The value of your points may vary if you choose to redeem for anything other than cash back. Make charitable contributions with participating charities.Pay for purchases at participating stores (enrollment required).Pay for travel purchases, such as airline tickets, cruises, hotels and rental cars.Tip: You can also set up a direct deposit into a non-Citi checking account, but you must have paid your Citi credit card bill from that account at least two times to qualify.Ĭardmembers can also use their points to: You can get cash back as a direct deposit, statement credit or check, with no minimum redemption requirement. You can still redeem your points for cash back at a rate of 1 cent per point (essentially no different than earning 2% cash back), but you no longer need to convert your rewards to ThankYou points to enjoy redemption options like gift cards and travel. The Double Cash Card recently changed from earning cash back to earning Citi ThankYou points. Any month you don’t meet the due date, you will only earn 1% cash back for your purchases. Tip: To get the most value out of the Citi Double Cash Card, be sure to pay your bill on time each month. ![]() If you want an easy, no-fuss way to earn rewards on your purchases, flat-rate cards are the way to go. ![]() There are no spending caps to track and no rotating categories that require activation or only earn bonus points during certain times of the year. With flat-rate cards, you don’t have to think about merchant codes or which credit card will give you the most points for a purchase. Compared to credit cards that feature bonus categories with different rewards rates, this is a stress-free option. Unlimited flat-rate rewards on all of your spendingĪs long as you make on-time payments, you’ll earn the full 2% cash back on all of your purchases with no limits. ![]() Here are some of the key reasons minimalists should consider the Citi Double Cash. Instead of tracking spending or enrolling in bonus categories, you can simply use the card for all your general spending and enjoy streamlined, consistent cash back. It doesn’t come with unique bonus categories or carry a ton of perks, but when it comes to flat-rate cash back cards, less is more. The Citi Double Cash Card is one of the best no-annual-fee credit cards available thanks to its simple cash back rewards and flexible redemption options. Why you might want the Citi Double Cash Card But the lack of a 0% intro offer on purchases may be a dealbreaker if you’re looking for maximum payment flexibility in your first year. The flat rate also makes it a great choice for people who prefer to use one credit card for all their purchases. That makes the Double Cash card a solid pick for people new to cash back rewards cards. It charges no annual fee and has a simple rewards structure that awards cardholders up to 2% cash back: 1% cash back on everything they buy and an additional 1% cash back as they pay off those purchases.Įarning rewards for paying your bill on time can help encourage good financial habits. If you’re in the market for a cash back card, but want a hassle-free earning experience, take a look at the Citi® Double Cash Card.
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