Citi Double Cash® Card

Simple earning structure: Earn 2% cash back on purchases, with 1% when you buy and 1% as you pay for your purchases, with no rotating categories to track or spending caps to worry about

No annual fee: Keep more money in your pocket with a zero annual fee, making it ideal for long-term use

Flexible rewards: No restrictions on which purchases you can earn cash back, making it perfect for everyday spending across all categories

Delayed rewards: Must pay your bill to earn the second 1% cash back, meaning you don't get the full 2% immediately at purchase

Limited premium perks: Lacks travel benefits, purchase protection, and other premium features found on higher-tier cards