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Citi's Double Cash Card is gaining attention for its straightforward cash back rewards. The card offers a simple earning structure, providing 2% cash back on every purchase—1% when buying and another 1% upon payment. This uncomplicated approach makes it an appealing option for those new to credit card rewards.
The card's appeal extends beyond its cash back benefits. It comes with no annual fee, allowing users to earn without incurring yearly costs. "It's the gift that keeps on giving," states a representative from The Points Guy (TPG), highlighting the card's value without the burden of additional fees.
For individuals managing high-interest credit card debt, the Citi Double Cash offers a 0% introductory APR for 18 months on balance transfers. After this period, a variable APR ranging from 18.74% to 28.74%, based on creditworthiness, applies. New cardholders must complete transfers within four months of account opening, subject to a 3% balance transfer fee (minimum $5).
