The Citi® Double Cash Card is currently one of the best cash back credit cards for flexible spending.
This card fills the role as a long term, market-leading cash back rate option. You’ll earn 1% cash back on all your purchases, and then another 1% cash back once you pay off those purchases.
There is no cap on the amount of cash back you’ll receive at the maximum 2% rate. Be sure to pay at least the minimum due to earn the additional 1% cash back if you’re not paying off the balance in full each month.
There’s no annual fee, so this makes a good choice for low spenders as well as those who are looking to maximize rewards with multiple cards. Competitor cash back cards with no annual fee that earn on flexible spending typically earn 1% to 1.5%.
*Citibank offers good bonuses for their Checking accounts also.
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The 2% on Citi’s card is nice, but customer service is pretty weak. Well, insulting. When you have a question that the automaton can’t find an answer to in the script binder, they suggest a manager call you back within 48 hours. I’m not joking. You see, all of the customer service managers are in meeting each time you call. Fancy that. So very busy. They’ll perhaps ring you if available on their own timeline, say, in about two days. Not worth it in my opinion.