I mentioned the Citi Double Cash card in our strategy for earning cash back on our mortgage payments Paying Bills with a Credit Card: No Fee via Plastiq and Masterpass .
Citi Double Cash 2% Cash Back Credit Card
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.
The Citi Double Cash card is a good alternative to the Fidelity 2% Cash Back Credit Card  if you don’t have a Fidelity account and prefer straight cash back.
It’s Free Money  Friday, so let’s look closer at the Citi Double Cash card!
How to Get Your 2% Cash Back
- Open a new Citi Double Cash* card.
- Earn 1% cash back on every purchase you make.
- Earn an additional 1% cash back as you pay for those purchases in full or over time.
*Find and compare all current credit card offers in our credit card directory .
Terms and Conditions
- No annual fee.
- Unlimited cash back.
- No Caps and No Category Restrictions.
More on Citi Double Cash
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.