Earn a straightforward 2% cash back—1% at purchase and 1% when you pay—with no bonus categories and no annual fee.
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Leading Credit Card Issuers in the US
Chase: Offers a broad mix of travel and cashback cards, backed by strong security and digital features.
Capital One: Known for accessible approval criteria and easy-to-understand rewards programs.
Discover: Popular for rotating cashback categories and complimentary FICO score access.
American Express: Recognized for premium benefits and travel-oriented rewards.
Citi: Features practical options like Citi Double Cash, valued for consistent flat-rate earnings and balance transfer offers.
Credit Cards from Major Banks
National banks provide cards with travel protections, promotional APR periods, and purchase coverage. These products typically require good credit and may include premium perks, though some involve annual fees or more complex reward systems.
Citi Double Cash Card Highlights
Citi Double Cash focuses on simplicity. Cardholders earn 1% cash back when making purchases and an additional 1% when paying them off, resulting in 2% unlimited cash back with no earning caps. New members can qualify for a $200 welcome bonus (20,000 ThankYou® Points) after spending $1,500 within six months.
The card also features a 0% introductory APR on balance transfers for 18 months (balance transfer fee applies). With no annual fee, rewards can be redeemed as statement credits, direct deposits, checks, travel bookings, or Amazon purchases.
Digital and Fintech Alternatives
Online-first issuers such as Petal and Tomo offer simplified applications and mobile-focused account management. While convenient, they may not provide the same steady 2% earning rate or extended balance transfer terms.
Secured and Retail Credit Cards
Secured cards require a refundable deposit and are useful for building credit history, but they often lack competitive rewards. Retail store cards may offer shopping discounts, yet frequently come with higher APRs and limited acceptance.
Impact on Your Credit
Using this card responsibly can improve your credit standing. Maintain balances under 30% of your limit, pay on time each month, and limit multiple credit applications. Careful management supports long-term financial health.