The Double Cash is the simplest strong cash back card around: 2% on everything, earned as 1% when you buy and 1% when you pay, with no annual fee and no categories to track. That flat rate is why it carries the Best Value badge on our cash back list, and it pairs well with category cards as the default for everything else. You also get 5% on hotels, car rentals, and attractions booked through the Citi Travel portal, a $200 bonus after $1,500 in spend over 6 months, and 18 months of 0% intro APR on balance transfers. The catches are that there is no intro APR on purchases and it charges foreign transaction fees, so leave it home when traveling abroad. For anyone who wants one reliable everyday card without fuss, it is hard to beat.
Earn rates & credits
| Category | Rate |
|---|---|
Travel (via Portal) Hotels, car rentals, and attractions booked through Citi Travel portal (2% base + 3% bonus) | 5% |
Everything Else 1% when you buy, 1% when you pay | 2% |
Card details
Regular APR | 18.24%–28.49% variable |
Intro APR on balance transfers | 0% for 18 months |
Foreign transaction fee | Yes |
Approval odds
Product changes
Where cardholders came from before landing on this card, and what they moved it to afterwards. Thicker flows carry a larger share of the changes in that direction.
Based on 21 reported product changes. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.