Citi Double Cash®

Pros

✅ No annual fee

✅ Earn 2% cash back on all purchases (1% when you buy + 1% when you pay)

✅ Long 0% intro APR period on balance transfers (18 months)

✅ Flexible rewards redemption options (cash back, points, statement credits)

✅ No spending categories to track

✅ Simple rewards structure without caps or limits

✅ ThankYou Points conversion available

Cons

❌ No 0% intro APR on purchases

❌ 3% foreign transaction fee

❌ High balance transfer fees (3% first 4 months, then 5%)

❌ Higher regular APR (18.49% - 28.49%)

❌ Must pay bill to earn full rewards rate

❌ No welcome bonus for new cardholders