Citi Double Cash® Card
Why this is your pick
The original 2% cashback card. Earn 1% when you buy + 1% when you pay. Now earns Citi ThankYou points that can transfer to airline partners — a hidden travel value most cardholders don't use. Choose this over Active Cash if you already bank with Citi.
Pros
- Also earns transferable ThankYou points
- No annual fee
- Long-established, proven track record
Cons
- Must pay bill to get the second 1%
- No sign-up bonus traditionally (rare exceptions)