This card offers 2 percent cash back (1 percent when you make purchases and another 1 percent when you pay off purchases), making this a good option for any purchase. Whenever you aren’t able to earn additional bonus points on Amazon purchases, this is a solid option. Flat-rate cash back cards are simple and give consistent returns. This card is always high on our list of best cash back cards.
Pros
This card is one of the best flat-rate cash back cards available.
For added payment flexibility, you can get one of the most extended intro APR periods on balance transfers.
Cons
There are no additional bonus categories on this card to boost rewards.
ThankYou points earned from this card can’t be transferred directly to Citi’s travel partners.
