Flat-rate king
CITI
Citi Double Cash
The Citi Double Cash keeps things brilliantly simple: 2% cash back on everything — 1% when you buy, 1% when you pay. No categories, no caps, no annual fee. It's the workhorse card for people who don't want to think about points.
Updated July 2026Best for: Set-it-and-forget-it spenders who want one card for everything.
Citi
Citi Double Cash
•••• •••• •••• 2026
Cashback callout
2%
Top cash back rate
Every purchase, no categories
$200
Bonus
$0
Annual fee
18.24–28.24% variable
APR
Welcome bonus: After spending $1,500 in first 6 months. Intro: 0% intro APR on balance transfers for 18 months.
Every category, every rate.
| Category | Rate | Notes |
|---|---|---|
| Every purchase (buy) | 1% | — |
| Every purchase (pay) | 1% | Requires on-time payment |
Pros
- +Flat 2% on every purchase, no caps
- +No annual fee
- +Long 0% intro APR on balance transfers
Cons
- −Second 1% only earned when you pay the balance
- −No bonus categories to boost specific spend
- −Foreign transaction fee applies
The fine print.
- Annual fee: $0
- Purchase APR: 18.24%–28.24% variable
- Balance transfer intro APR: 0% for 18 months (3% fee, min $5)
- Foreign transaction fee: 3%
Rates, fees and offer terms shown are illustrative and change frequently. Always confirm current terms on the issuer's site before applying.
The best flat-rate cash back credit card on the market. Pair it with a category card to squeeze every dollar.