Citi · personal · mastercard
Citi Double Cash
The nerd's flat-rate workhorse: a clean 2% on everything with no fee, and the cash is really transferable ThankYou points if you also hold a Strata. A great keeper — just not for overseas spend (3% foreign fee).
Current public offer
$200 cash back after qualifying purchases — as of 2026-07-01 · source
Fees & fine print
- Annual fee: $0
- Intro APR: 0% for 18 months on balance transfers
- Suggested credit: Good / Excellent (690+)
Earning
- 2% cash back — 1% when you buy + 1% when you pay
Transfer partners
JetBlue · Avianca · Flying Blue · Emirates · Singapore · Turkish · Virgin Atlantic · Choice · Wyndham
Informational only — not financial advice. Offers change; verify all terms with the issuer before applying.