Get rewarded—twice—with the Citi Double Cash® Card. Essentially, you can earn a flat 2% cash back on all purchases once they’re paid off, which is remarkable compared to the earnings on most cards available to fair credit applicants.
Why We Like It
This card also stands out for its introductory APR offer: 0% intro APR on balance transfers for 18 months. After that, the standard variable APR will be 18.24% to 28.24%, based on creditworthiness. 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 fee will be 5% of each transfer (minimum $5). Though that doesn’t apply to new purchases, it’s noteworthy to see on a card that doesn’t require strong credit. Through December 31, 2025, you can also earn 5% cash back on hotels, car rentals and attractions booked through CitiTravel.com.
In addition to redeeming them for cash back, this card’s rewards can optionally be combined with those from other Citi ThankYou® Points-earning credit cards for additional redemption options, including transfers to more travel programs.
What We Don’t Like
It’s disappointing that there is no introductory APR offer on purchases. Similarly, you won’t receive your total cash back until you pay your balance in full, which can be frustrating if you’re ready to redeem. The card comes with foreign transaction fees, so you won’t want to use it while traveling abroad.
Who It’s Best For
If you have fair credit and want to earn elevated cash back, the Citi Double Cash is one of the best options out there.