When it comes to the cash-back category, there are plenty of cards to choose from, but there’s one standout from our advertising partner that beats any card in your wallet as the best cash-back card right now: the Citi® Double Cash Card.

Here’s why:

  • Earn unlimited 2% cash back — 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • 0% intro APR on Balance Transfers for 18 months, then 13.99% – 23.99% (Variable)
  • No annual fee — save hundreds compared to similar rewards cards that charge a fee
  • $0 liability for unauthorized charges
  • Easy, secure online application — Click APPLY NOW to apply online


Citi® Double Cash Card

Apply on Citibank’s Secure Website

Why It’s the Best Cash-Back Card

The Citi Double Cash Card‘s unlimited 2% cash back makes it an outstanding card for all-around spending. It also comes with no annual fee and an extraordinarily long 0% APR on balance transfers. Here’s why it’s worthy of a spot in your wallet:

  • Earn unlimited cash back TWICE — 1% when you make a purchase and 1% when you pay your balance
  • No limits on how much cash back you can earn and no categories to keep track of — earn 2% cash back on ALL your spending
  • 0% intro APR on balance transfers for 18 months — move your existing balance to the card and pay no interest for over a year
  • No annual fee — save hundreds compared to similar rewards cards that charge a fee
  • Easy, secure online application — you could find out if you qualify in seconds

Unique Cash-Back Structure

The Citi Double Cash Card has a uniquely rewarding cash-back structure that pays a hefty 2% on all your spending — significantly more than many other cash-back cards. There are no limits to the amount of cash you can earn and there are no confusing categories to keep track of, as you’ll receive a flat 2% cash back on all of your purchases — 1% cash back when you buy, then an additional 1% cash back when you pay them off. Some cards pay bonus cash back on a series of rotating categories, but it can get quite annoying wondering when you’re supposed to be spending on groceries or restaurants, for example. The Citi Double Cash Card removes all of that worry, paying 2% cash back on everything you buy, at any time, with no limits.

No Annual Fee

You won’t ever pay an annual fee with the Citi Double Cash Card. If you have other cash-back or rewards cards in your wallet, you might notice that they often carry annual fees of $95 or more.

Intro 0% Balance Transfer Offer

When you first sign up for the Citi Double Cash Card, you’ll enjoy a 0% introductory APR on balance transfers for a full 18 months. That’s an extraordinarily long time to enjoy a 0% APR, giving you immense flexibility with the card. For example, if you ran up some bills remodeling your home during the pandemic, you can transfer those balances to the Citi Double Cash Card, effectively turning it into a project financing card. Then, you’ll have a generous 18 months to pay off your renovation expenses at 0% interest.

Who Should Get This Card

Anybody looking for an uncomplicated, unlimited cash-back card should seriously consider the Citi Double Cash Card. The card’s straightforward approach to unlimited 2% cash back makes it a great card for anyone looking to take the hassle and need for overthinking out of their rewards card. That’s most people, so it’s no wonder the Double Cash Card has become so popular. Looking to make a big purchase? This card’s long intro period will save you a bundle. It’s like taking a 18-month vacation from paying interest. Even if you don’t need the balance transfer feature, having a no annual fee, cash-back card that pays an unlimited 2% on all purchases should snag your interest. After all, who doesn’t like earning double cash back on purchases you’d be making anyway?

However, if your credit score is below 670, you might want to look for a different card, as applicants without good or excellent credit scores aren’t likely to get approved for this card.

How To Apply

If you’re interested and want to learn more or find out if you’re approved, head to this page to apply. You’ll need your basic information like your name, contact information, Social Security number and income. Once you fill out the online application, you could find out your approval in seconds.
Interested and want to find out if you’re approved? You could get a decision in 60 seconds or less. Why wait?