Opinions expressed here are our own, not those of any bank, credit card issuer, airlines or hotel chain. Terms apply to offers listed.
The Citi Double Cash® is about as straightforward as it gets. You earn 1% cash back when you make a purchase, and another 1% when you pay it off. That gives you a flat 2% back on everything, with no rotating categories, spending limits, or merchant restrictions to think about. For people who value simplicity and consistency, it’s a very compelling option.
There’s no annual fee, and no need to memorise reward tiers or optimise your spend across multiple cards. While it doesn’t come with a big welcome bonus or flashy perks, the reliability of a flat 2% return makes it a strong backbone card for many wallets. You’re unlikely to earn outsized rewards like you might with travel cards or dining multipliers, but for predictable everyday spend, it quietly pulls its weight.
One extra detail: the Double Cash earns ThankYou Points (not just cash) if you also have a Citi Premier or Citi Prestige card, meaning you can transfer points to airline partners or stack rewards across the ecosystem. That gives it a subtle but meaningful upside for more advanced users. But even on its own, this is one of the most efficient and no-fuss cashback cards available today.
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I don’t include all US credit card offers available on this site. Instead, I write primarily about cards which earn airline miles, hotel points, and some cash back (or have points that can be converted into the same).
Editorial Note: The opinions, analyses, and evaluations here are mine and not provided by any bank including (but not limited to) American Express, Chase, Citibank, US Bank, Barclays or any other company. They have not reviewed, approved or endorsed what I have to say.
Comments made in response to posts are not provided or commissioned nor have they been reviewed, approved, or otherwise endorsed by any bank. It is not the responsibility of any advertiser to ensure that questions are answered.
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