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At Pointalize, we simplify the process by highlighting cards that deliver the strongest rewards, biggest bonuses, and best value for everyday spending. Whether you’re just starting out or looking to maximize premium benefits, our curated picks are designed to help you find the perfect fit for your wallet.
Best For
Rewards Rate - Cashback
- 5% on hotel, car rentals and attractions booked with Citi Travel.
- 2% On everything (1% when you buy + 1% when you pay)
- Intro offer
- $200 cash back after $1,500 spend in 6 months
- Annual fee
- $0
- Regular APR
- 18.24% – 28.24% Variable APR
- Recommended credit
- 690–850 (Good to Excellent)
- Travel Perks
- None
Highlights
- Earn on purchases and again as you pay them off (issued as ThankYou® Points).
- No caps or rotating categories; reliable everyday value.
- Flexible redemptions, including cash back, statement credits and travel.
Who is this card good for?
- Set‑and‑forget users who want steady rewards on everything.
- People who don’t want to juggle rotating or niche categories.
- Citi ThankYou® users who like transfer partners and flexible options.
Pointalize Opinion
Pros
- Enduring effective 2% structure remains competitive.
- ThankYou® points add flexibility vs. pure cash back.
- $0 annual fee.
Cons
- Few side perks beyond the earn structure.
- To capture full value, you must pay at least the minimum due on time.
Pointalize Final Thoughts
Double Cash is still one of the cleanest ways to get strong everyday value—ideal for minimalists and points tinkerers alike.