The Citi Double Cash Card earns a healthy 2 percent total cash back, with 1 percent back on purchases and 1 percent back when you pay. There’s also an introductory APR offer for balance transfers, which is helpful if you need some help paying off a balance. Although the lengthier introductory period allows more flexibility to pay down debt, that intro offer doesn’t apply to purchases. The Citi Double Cash is perfect for people who want a lucrative balance transfer offer upfront but want to be able to earn cash back for the long haul once they’re debt-free.
