Cash backThe Citi Double Cash Credit Card stands out with its simple and unlimited cash back rewards system, designed for all kinds of purchases once there’re no category restrictions or enrollment needed and no limit on the amount of cash back you can earn. This is definetelly a great card to maximize everyday purchases.
It offers safety, zero liability on unauthorized charges, straightforward rewards system, flexible reward redemption, 0% introductory APR, and extra cash back for travel related purchases. All of that with no annual fee.
Pros vs. Cons
Pros
- 2% Cash Back On All Purchases: there are no category restrictions and no limit on the amount of cash back you can earn;
- No Annual Fee: there is no annual fee, making it a great budget friendly option;
- 0% Introductory APR: 0% APR for 18 months on balance transfers;
- Flexible Reward Redemption: redeem your points for cash back as a statement credit, direct deposit or check. Or redeem points for gift cards, travel and shop with points at Amazon.com.
Cons
- No Bonus Categories: while the flat 2% cash back is appealing, you won’t be able to earn more than that on specific spending categories, unless there’s a limited special offer;
- Balance Transfer Fee: although the card offers a 0% APR on balance transfers, there’s a 5% or $5 balance transfer fee;
- Foreign Transaction Fee: there is a 3% fee on purchases made outside of the U.S.
Why Choose the Citi Double Cash Credit Card?
The card’s unique feature is its ability to get rewarded on every purchase without restriction. So, if your spending habits shift month to month, this card ensures you’re always getting the most rewards without having to switch between categories.
The absence of an annual fee makes it easier to rack up rewards without worrying about offsetting the cost of the card itself. On top of that, for those planning big purchases or looking to consolidate debt, the 0% Intro APR for 18 months can provide breathing room to pay off balances interest-free.
Who Is The Citi Double Cash Credit Card For?
It is an excellent option for those seeking a card that allows you to earn unlimited cash back on every dollar spent. It’s especially suitable for cardholders who don’t want the hassle of manually selecting rewards categories each quarter. With no annual fee and a 0% introductory APR offer, it’s a great option for budget-conscious spenders looking to maximize rewards without overcomplicating their finances.
If you’re interested, click the button below to learn more about the card, its benefits, requirements, and application process. This could be your first step towards making the most out of your money and lifestyle!