The Citi Double Cash Back card is a credit card with good, constant cash back rate for those who prefer simplicity with their credit cards. With no annual fee, 0% introductory APR for 18 months, and a constant 2% cash back on all purchases, this is a great no-hassle credit card for people who never want to worry about tracking which card to use in the right situation.
Review
The Citi Double Cash Back card is one the simplest cards you can have, in a good way. No need to worry about spending multipliers or rotating categories, just 2% back on all purchases (1% back at time of purchase, 1% back at time of paying statement).
Who is this card for?
Anyone who wants a no-annual fee card that they can use on anything without having to consider what card they should use for a purchase.
This card doesn’t have many perks, but considering the card is made of people who appreciate simplicity, this isn’t too surprising.
Multipliers and Benefits
2% cash back on all purchases (1% when purchasing, 1% when paying off the purchase)
0.00% introductory APR on balance transfers for the first 18 months
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Redeeming Citi Cash Back rewards
There are several ways to redeem your cash back rewards with the Citi Double Cash Back card:
You can redeem your cash back rewards as a check, statement credit, or credit to a linked account. Keep in mind, there is a $25 minimum rewards balance in order to redeem your cash back rewards
You can also transfer your cash back rewards to Citi ThankYou points at a 1:1 ratio ($1 cash back rewards = 100 Citi ThankYou points) if you have a Citi credit card which earns ThankYou points (Citi Premier® Card, Citi Rewards+® Card, etc.). For this option, there is only a $1 minimum rewards balance in order to transfer to Citi ThankYou points
Summary
The Citi Double Cash Back card is a good card for people who have no desire to obtain a credit card with an annual fee, while also getting the simplicity of 2% cash back on all purchases, regardless of categories. While the card is hassle-free, it does lack a signup bonus and many of the benefits that most other $0 annual fee credit cards offer.
If you think this card would be a good fit for you, please consider using our referral link below.
