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WiseIQ Editorial Team
Reviewed by certified financial experts · Updated April 2026
The Citi Double Cash® Card earns 2% cash back on every purchase — 1% when you buy and 1% when you pay — with no annual fee and no categories to track. It's the simplest, highest flat-rate cash back card available, and it beats the Chase Freedom Unlimited's 1.5% base rate on all non-dining, non-drugstore spending.
WiseIQ Expert Tip
Financial decisions made with complete information consistently outperform those made under pressure or with incomplete data. Take time to compare at least 3 options before committing.
The card also offers an 18-month 0% intro APR on balance transfers (with a 3% transfer fee), making it one of the best balance transfer cards available for people carrying high-interest credit card debt.
Citi Double Cash® Card