Citi Double Cash Card
Picture a normal month: the electric bill, the phone plan, a streaming subscription or two, all on autopay, roughly the same amount every time.
Fill in your spending to see your reward
Most rewards cards pay more in one category and less in another, which only helps if your spending happens to land in the right bucket. Bills don't shift categories, so a bonus-category card doesn't actually do more for you here.
The Citi Double Cash® Card pays the same flat rate on everything, including every one of these fixed, recurring charges you clicked for.
2% cash back on everything, 1% when you buy, 1% more when you pay it off. No categories to track. $0 annual fee.
| Detail | What it means |
|---|---|
| Cash back on every purchase | 2% flat (1% + 1%) |
| Annual fee | $0 |
| Credit score recommended | Good to excellent, approximately 670 or higher |
Why flat instead of a bonus category card: a bonus category card only pays more when your spending happens to land in that category. Bills don't shift categories from month to month, so the flat rate here isn't a compromise, it's the better fit.
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See other cardsIs 670 Realistic From Here?
Same path as any card in this range: pay on time every month and keep your balance well under your limit on the card you have now. Most people who do that consistently see their score move within 6 to 12 months. Either way, checking where you stand here doesn't cost you anything, it's a soft pull.
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