4. Citi Double Cash Card
Score: 4 points;
Annual fee: $0 (3 points);
APR: 14.49% – 24.49% (1 point);
This card is the Citi’s most popular cash back offer. It allows you to earn 2% of unlimited cash back. Still, the return doesn’t land on your account immediately after the purchase. After you purchase a product or a service, you only get 1% cash back, and the rest of the money comes after you pay out the product in full. Although it comes with an average APR on regular purchases, the Citi’s credit card offers 18 months free balance transfers. Still, these transfers are not covered by the cash back rates.
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