![]() Customers who consistently spend a lot in a single category will appreciate the higher rate of return. Keep in mind the bonus earnings are automatic-you don’t need to register or pre-select a category.Įligible spend categories include common household expenses like groceries, gas, restaurants, select travel, drugstores and home improvement stores (among others). ![]() With this card you’ll earn 5% cash back on purchases in a top eligible spend category each billing cycle, up to the first $500 in spending each month and 1% cash back on all other purchases. It has variable cash-back rewards, with some purchases earning higher rates and others earning lower amounts of cash rewards. The Custom Cash is structured differently. The simplicity and strong earnings on this card make it well-loved among credit cards, even by cardholders who have good or excellent credit. If you already have a balance racking up interest on a different card, it may be advantageous to transfer that balance to your new Double Cash and pay it off while accruing 0% APR. After that, the fee will be 5% of each transfer (minimum $5). An intro balance transfer fee of either $5 or 3%, whichever is greater, applies to transfers completed within the first 4 months of account opening. After that, the standard variable APR will be 18.99% - 28.99%, based on creditworthiness. New cardholders have access to 0% intro APR on balance transfers for 18 months. Usually, 2% cash-back credit cards are reserved for those with good or excellent credit, so seeing this shift to fair credit on the Double Cash is a fantastic new option.Īnother great feature of the Citi® Double Cash Card is its intro APR on balance transfers. Specifically, you’ll earn 2% cash back on all purchases-1% when purchases are made and another 1% when they’re paid off. ![]() The Double Cash is a flat-rate card, meaning you earn the same rewards on all purchases, regardless of what you’re buying or where you’re purchasing it. ![]() Both offer cash-back rewards with no annual fee, making them great choices for nearly anyone. These two cards have a few basics in common, though each have advantages and disadvantages. ![]()
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