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CitiMastercard

Citi Double Cash

The go-to flat-rate cash back card that keeps things simple with no annual fee and no categories to track.

No Annual FeeGood credit
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Rewards Categories

General

1% on purchase, 1% on payment

2%

Welcome Bonus

None

Highlights

  • Simple flat-rate cash back
  • No annual fee
  • No category restrictions
  • Can transfer to Citi ThankYou points with Premier

Pros

  • +No annual fee
  • +Simple earning structure
  • +Earn cash back on everything

Cons

  • No welcome bonus
  • No category bonuses
  • Limited travel protections