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The Citi Double Cash Card offers the highest flat-rate rewards-earning rate among cash-back credit cards with no annual fee. This card is best for those who spend heavily in everyday life, and then pay off their credit card bill monthly.
If customers transfer balances from other cards to the Citi Double Cash Card, they will pay no interest for 18 months on that balance, provided they make the transfer within four months of account opening. A 3% balance transfer fee ($5 minimum) applies, but the interest savings could be worth it.
The Citi Double Cash Card lets customers earn 2% back for each dollar they spend, although the rewards are offered in two parts—1% when they make a purchase and another 1% when they pay for the charge. Citi provides a “Purchase Tracker” on their monthly statement so they can see where they stand on both sides of the 2% reward. There are no caps or limits on how much they can earn.