The Citi Double Cash card is essentially a 2% cash back card. 2% cash back cards are some of the best cards for everyday spending. Since they don’t require a sign up each quarter for higher cash back it’s my go-to recommendation for friends who want just one card.
Earning Cash Back. There are no category restrictions and no quarterly enrollments so it’s a good card for everyday spending.
Redeeming Cash Back. As soon as you earn $25 in cash rewards, you can redeem them.
Downgrade to Double Cash. Because the Double Cash card doesn’t have a sign up bonus, I typically sign up for a card with a bonus like the Citi American Airlines card first, then downgrade my card to the Double Cash card to maximize the sign up bonus and the cash back.
Intro APR. 0% Intro APR on purchases & balance transfers for 18 months.
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