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Citi Double Cash Card
Effectively a 2% flat card (1% when you buy, 1% when you pay it off) with no annual fee, so it ties the best flat-rate cards, but you only get the second 1% after you actually pay. Carry a balance and you forfeit half the reward, which defeats the purpose. On $20,000 of spend that's $400 back if you pay in full. It also runs a long balance-transfer window, handy for debt payoff. Active Cash gives the full 2% up front, so pick that if your payment timing is erratic. Confirm transfer fees on citi.com.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓Works out to a 2% flat rate
- ✓Lengthy balance-transfer window
- ✓Points you can switch over to ThankYou travel
👍 Pros
- + No annual fee
- + Flat 2% rewards
- + Good for balance transfers
👎 Cons
- – 3% foreign purchase fee
- – You only get the second 1% once you pay the bill
Can you get it?
- ▸A good credit score
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
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