Overview

Costco Anywhere Visa^® Business Card by Citi, from our partner Citi, rewards small business owners who frequent Costco warehouses for business supplies. Cardholders can earn 2% cash back on purchases at Costco. In addition, cardholders can earn 3% back on travel and dining at restaurants, and up to 5% cash back rewards on gas purchases. The Costco Business credit card has no annual fee with your paid Costco membership. You can also enjoy no foreign transaction fees on purchases you make abroad.

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Costco Anywhere Visa^® Business Card by Citi

• Discover the only business credit card designed exclusively for Costco members
• Earn 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter.
• 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel.
• 2% cash back on all other purchases from Costco and Costco.com
• 1% cash back on all other purchases
• No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
• Whether you're traveling for business or pleasure, enjoy no foreign transaction fees on purchases
• Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico

Intro APR

N/A

Intro APR Period

N/A

Annual Fee (rates & fees)

$0

Credit Needed

Excellent

Card Benefits

How to Earn Rewards

With Costco Anywhere Visa Business Card by Citi, you can earn more cash back on many regular purchases than most other credit cards. You will earn 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 per year. You will earn 3% cash back on dining at restaurants, including cafes, bars, lounges and fast food restaurants. You will also earn 3% cash back on eligible travel purchases worldwide, including airfare, hotels, car rentals, travel agencies, cruise lines and Costco Travel. For other purchases at Costco and Costco.com, you will earn 2% back. For all other purchases, you will earn 1% back.

For example, if you spend $7,000 on gas at Costco, $8,000 on dining out, $10,000 on travel, $15,000 on Costco purchases, and $10,000 on everything else in a year, you will receive $1,220 in cash rewards. You can use our cash rewards calculator to find out how much cash back you may receive.

How to Redeem Rewards

You will receive your annual cash rewards in the form of a credit card reward certificate once your February billing statement closes. The credit card reward certificate contains your Costco rewards balance based on your eligible purchases during the annual reward period of the prior year. The credit card reward certificates are redeemable through the end of the year at any U.S. Costco warehouse for merchandise or cash back. Any Costco cash rewards you have earned on purchases made by authorized users on your card account will be added to your Costco rewards total.

Additional Information

Fees

This credit card has no annual fee with your paid Costco membership. There are two tiers of membership, Gold Star and Gold Star Executive. The Gold Star has an annual membership fee of $60. The Gold Star Executive has an annual membership fee of $120 and it offers an additional 2% cash reward, up to $1,000 on your purchases at Costco. The 2% cash rewards of the Gold Star Executive can offset the $120 membership fee. For example, if you make an average of $500 monthly purchases at Costco, you will accrue $10 in cash rewards each month and $120 in annual cash rewards, which is enough to pay for the $120 membership fee by itself.

It has no foreign transaction fees, which will save you money when you travel abroad. Most other credit cards typically charge a transaction fee 3% on your purchases in foreign countries. For example, if you use a credit card to pay $2,000 for purchases or for hotel stays in Canada, Asia, or Europe, you may end up with paying a bill of $2,060 after the 3% foreign-transaction surcharge is added to your bill. If you travel abroad, Costco Anywhere Visa Business Card by Citi can help you avoid the 3% surcharge on your purchases.

Required Credit Rating

The Costco Anywhere Visa Business Card by Citi is for people who have excellent credit scores. If you have an outstanding FICO score, you may qualify for the credit card.

Is this the right card for you?

Costco is a warehouse for family and small business to make purchases in bulk. If you like to use Costco for many of your business purchases, the Costco Anywhere Visa Business Card by Citi is a great small business credit card. Although it does not offer a sign-up bonus, it offers business owners up to 5% cash back on gas purchases, 3% cash back on restaurants and travel purchases, and 2% cash back on all other purchases from Costco. In addition, the Costco Anywhere Visa Business Card by Citi has no annual fee with paid Costco membership and has no foreign transaction fees.

Similar Credit Cards

If you are interested in the Costco Anywhere Visa Business Card by Citi, you may also consider a few other credit cards with similar benefits.

Cash Back Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Costco Anywhere Visa® Card by Citi	5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter. 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel. 2% cash back on all other purchases from Costco and Costco.com 1% cash back on all other purchases	$0 rates & fees
	Citi Double Cash® Card	$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.	$0 rates & fees
	Chase Freedom Unlimited®	Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.	$0 rates & fees
	Blue Cash Everyday® Card from American Express	As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.	$0 rates & fees

Business Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	The American Express Blue Business Cash™ Card	$250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.	$0 rates & fees
	The Blue Business® Plus Credit Card from American Express	15,000 Membership Rewards points after you spend $3,000 in eligible purchases on the Card within your first 3 months of Card Membership. 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.	$0 rates & fees
	American Express® Business Gold Card	4X Membership Rewards points on the top two eligible categories where your business spends the most each month from 6 eligible categories. While your top 2 categories may change, you will earn 4X points on the first $150,000 in combined purchases from these categories each calendar year (then 1X thereafter). Only the top 2 categories each billing cycle will count towards the $150,000 cap.* Up to $20 in statement credits monthly after you use the Business Gold Card for eligible U.S. purchases at FedEx, Grubhub, and Office Supply Stores. This can be an annual savings of up to $240. Enrollment required.*	$375 rates & fees

The post Costco Anywhere Visa Business Card Review – Cash Rewards for Business Purchases appeared first on CardBenefit.

Overview

If you need a credit card that offers straightforward cash rewards, consider Citi Double Cash Card, issued by our partner Citibank. This credit card provides a $200 bonus cash back along with a consistent 2% cash back on all purchases. It allows you to earn an unlimited 1% cash back when making purchases, with an additional 1% cash back as you pay for those transactions. It is also giving out 5% cash back on eligible travel purchases. The card features no annual fee and 0% introductory APR on balance transfers for the first 18 months.

Card Summary

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Citi Double Cash^® Card

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back.
• Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
• Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% - 27.49%, based on your creditworthiness.
• Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
• If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Intro APR

0% on Balance Transfers

Intro APR Period

18 months

Annual Fee (rates & fees)

$0

Credit Needed

Excellent, Good

Card Benefits

Special Offer: $200 Cash Back Bonus

Citi Double Cash Card users have the opportunity to earn a $200 cash rewards bonus by making $1,500 in purchases within the initial 6 months. Receiving this $200 cash rewards bonus translates to a 13% discount on the first $1,500 spent — an effortless means of increasing the cash back in your wallet.

Cash Back: How Citi Double Cash Works

By earning 1% cash back when making purchases and an additional 1% when paying off the balance, you accumulate a total of 2% cash back on all your expenditures. The cash back has no limits, and as long as your account remains open, your earned rewards don’t expire.

In addition, Citi Double Cash Card is running a special travel offer to let you earn 5% cash back on hotel, car rentals and attractions booked on the Citi Travel^℠ portal.

Illustratively, if your annual card spending amounts to $30,000, including $6,000 in eligible travel purchases of 5% cash back, you will receive $780 in cash back rewards. You can utilize our cash rewards calculator to determine the potential cash back rewards based on your specific expenditures.

0% Introductory APR

Additionally, it offers a 0% introductory APR on balance transfers, enabling you to transfer your current credit card balance and benefit from an extended period of 18 months with no interest. This provides an opportunity to save on interest costs. Post the introductory period, a go-to rate of 17.49% - 27.49% (variable) applies.

Fees

Citi Double Cash Card boasts a zero annual fee, allowing you to retain the card without incurring any charges. On the other hand, it has foreign transaction fees at 3% of each transaction in U.S. dollars. If you’re planning to use a credit card for international transactions, it’s crucial to be aware of any foreign transaction fees and consider other cards that may offer more favorable terms for overseas spending if that’s a significant part of your financial activity.

Required Credit Rating

Citi Double Cash Card is tailored for individuals with an excellent or good credit profile.

Bottom Line

To recap, here are the main pros and cons when considering Citi Double Cash Card:

Pros

Double Cash Back: Citi Double Cash Card provides a unique structure where you earn 1% cash back on all purchases when you make them and an additional 1% cash back when you pay them off. This effectively gives you 2% cash back on every purchase, making it competitive in the cash back rewards category.

Sign-Up Bonus: The card offers a sign-up bonus of $200 cash, which makes it quite attractive.

No Annual Fee: Citi Double Cash Card does not charge an annual fee, making it a cost-effective option for cardholders.

Simplicity: The card’s structure eliminates the need to navigate through different spending categories or deal with quarterly changes, offering a straightforward way to earn rewards on all purchases.

Acceptance: Citi Double Cash Card is a Mastercard, which is accepted at nearly every merchant that accepts credit cards, both in the US and internationally.

Balance Transfer Intro APR: The card typically offers a 0% introductory APR on balance transfers for a long period of 18 months, providing a potential benefit for those looking to transfer and manage existing credit card debt.

Cons

Foreign Transaction Fee: If you frequently travel internationally, it’s important to note that the card has foreign transaction fees, which may not be ideal for those who spend internationally.

Variable APR: The APR can be relatively high, especially if you have less-than-excellent credit, so it’s important to consider this if you carry a balance.

Is this the right card for you?

If you desire simple and direct cash back rewards without the burden of an annual fee, the Citi Double Cash Card is an obvious and advantageous choice. This card grants a $200 cash bonus following qualified spending and ensures a consistent 2% cash back on all purchases. Furthermore, it extends a 0% introductory APR on balance transfers for an extensive period of 18 months, providing a valuable opportunity to alleviate existing credit card debt.

Similar Rewards Credit Cards

If you are interested in the Citi Double Cash Card, it’s worth exploring a few other credit cards that offer comparable benefits.

No-Annual-Fee Rewards Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Citi Strata℠ Card	20,000 bonus Points after spending $1,000 in the first 3 months of account opening. 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.	$0 rates & fees
	Chase Freedom Unlimited®	Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.	$0 rates & fees
	Blue Cash Everyday® Card from American Express	As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.	$0 rates & fees
	Costco Anywhere Visa® Card by Citi	5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter. 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel. 2% cash back on all other purchases from Costco and Costco.com 1% cash back on all other purchases	$0 rates & fees

0% APR Balance Transfer Credit Cards

Credit Card		0% APR	Annual Fee
	Citi® Diamond Preferred® Card	0% on purchases for 12 months and on balance transfers for 21 months. After the intro period ends, the go-to rate of 16.49% - 27.24% (variable) applies. (rates & fees)	$0

The post Citi Double Cash® Card Review – $200 Bonus and Straight 2% Cash Back on All Purchases appeared first on CardBenefit.

Credit cards allow you to borrow money up to a pre-set limit for your purchases or balance transfers. The convenience of using credit cards as a payment option comes with the potential cost of fees and interest. But if you make responsible payments on credit card bills, you can maintain good credit scores. Consequently, you can be approved for credit cards for excellent credit to save money in many ways.

1. Sign-up bonuses with new credit card accounts

Credit cards with rich bonus can let you earn substantial rewards in the first few months of account opening. Some Credit cards hand out cash back bonus of hundreds of dollars. For example, Sapphire Reserve for Business is currently offering 150,000 points bonus after qualified spending. And some other credit cards offer $200 bonus cash back after $500 is spent on purchases within the first 3 months from account opening, which is a whopping 40% cash back on the first $500 charged to your credit card. See more credit cards that offer top-notch bonus.

2. Cash back or travel rewards

There are many rewards credit cards that give you cash back or travel rewards on your purchases. The cash rewards offered by different cards vary. In general, you can expect between 1% and 2% cash back on most purchases. You can receive higher cash rewards on select purchases. Sometimes credit card rewards are in the form of points or miles, which are redeemable for travel credit or shopping gift cards.

For example, Citi Double Cash Card offers 2% cash back on all purchases, along with $200 bonus cash back. And Blue Cash Preferred Card from American Express offers 6% cash back on grocery purchases, up to $6,000 per year.

3. Buy now and pay later, with no interest cost

Credit cards with 0% introductory interest on purchases can help you save money. If you need to make a big purchase, 0% intro APR credit cards let you borrow money from the card issuer for an extended period of time without incurring any interest or fees. As long as you make the minimum payments every month and pay off the remaining balance before the end of the introductory period, you will not pay for any interest.

For example, Blue Cash Everyday Card from American Express offers 0% Introductory APR for 15 billing cycles for purchases. Post the introductory period, a go-to rate of 19.49% - 28.49% variable applies. If you use the card to make a purchase of $10,000, you can pay the monthly minimum payment for 15 months, which is usually around 1% of the account balance, and then pay off the remaining balance at the end of 15 billing cycles without incurring any interest fees.

4. Use balance transfers to minimize interest charges

Credit cards with 0% introductory APR on balance transfers can help you save money by allowing you to transfer high-interest balances to a 0 interest credit card to eliminate or minimize interest charges. For example, if you have $10,000 in credit card debt and are paying an interest rate of 20%, transferring balances to a 0% APR credit card for 21 months, such as Citi Diamond Preferred Card, can provide substantial savings. You can save around $3,000 on interest charges over the next 21 months. If you are carrying a credit card balance each month, it is well worth your time and effort to apply for a credit card offering 0% intro APR on balance transfers.

5. Free membership of Global Entry and TSA Pre✓

For frequent flyers, getting stuck in the airport security lines means the unnecessary long wait. Sometimes the delay causes travelers to miss flights or connections. In such situations, the travelers have to change flight ticket and may need to stay in a nearby hotel overnight if the flight is scheduled for the next day.

The airport expedited screening programs of TSA Pre✓ and Global Entry can save travelers 20 to 30 minutes in most airports, which help you avoid the situation of missing flights. TSA Pre✓ provides expedited security screening benefits for flights departing from U.S. airports. Global Entry provides the TSA Pre✓ benefit plus expedited US customs screening for international air travelers when entering the United States. TSA Pre✓ costs $85 and Global Entry costs $120 for a five year membership.

A few travel credit cards, such as Chase Sapphire Reserve and IHG One Rewards Premier Credit Card, offer up to $120 Airport Security Statement Credit towards TSA Pre✓ or Global Entry Application fee.

6. Free checked bags

Many airlines charge $35 or $40 per bag on each leg, which means an additional cost of $70 or $80 per passenger on a round trip. The cost of baggage fees can add up quickly for a large travel group. Some airline credit cards let you check your first bag for free. Delta SkyMiles Gold American Express Card and Delta SkyMiles Gold Business American Express Card offer its cardholders free checked bags on Delta flights.

7. Free access to airport lounges

Whether you are a business traveler or an avid vacationer, having unlimited lounge access to VIP airport lounges will be a pleasant experience when you and your companions can enjoy a light meal, sip wine, and relax in comfortable chairs in an exclusive club. Some travel credit cards offer a complimentary Priority Pass Select membership, which is a prestigious membership program for travelers to visit airport VIP lounges. For example, Chase Sapphire Reserve offers complimentary Priority Pass Select membership, which is an instant savings of a few hundred dollars in value annually.

8. Free in-flight food, drinks, and WIFI

Some credit cards give you airline credit of $100 or $200 annually to pay for airline fees or incidentals, such as airfare, baggage fees, in-flight drinks, refreshments and WIFI access. For example, American Express Platinum Card offers $200 annual airline credit.

9. Complimentary elite status of hotel membership

Hotel cards may offer complimentary elite status of hotel membership, which can be used to save you on a number of hotel amenities, such as complimentary breakfast, room upgrade, award nights, etc. You can also earn extra rewards points which can be redeemed for free hotel nights or merchandises. For example, Hilton Honors American Express Surpass Card offers complimentary Gold Status of Hilton Honors membership, and Hilton Honors American Express Card offers complimentary Hilton Honors Silver status.

10. Complimentary concierge services

Personal concierge services provide errand management and information research for private clients. Services include informational requests, making travel arrangements, booking tickets to special events or concerts, setting dinner reservations, making telephone calls, and more. The cost of using an independent personal concierge company can be quite expensive. A few premium credit cards offer complimentary concierge services. For example, Synchrony Premier World Mastercard and First Tech Odyssey Rewards World Elite Mastercard provide their cardholders with complimentary concierge services.

11. Complimentary car rental insurance

When you rent a card, you may need to buy car rental insurance. Buying such insurance services from the rental car company will add extra cost to your car rentals. Many credit cards offer complimentary insurance against damage to or theft of your rental cars. It will save you money on car rentals. For example, Chase Sapphire Reserve^® offers auto rental coverage as a complimentary service to its cardholders.

12. Save on the cost of foreign currency exchange

When you are traveling abroad, withdrawing cash from local ATMs and converting currency can cost extra. Many credit cards let you pay no foreign transaction fees for your purchases in foreign countries. For example, Capital One credit cards do not charge foreign transaction fees. In addition, some travel credit cards do not charge such fees either, such as Chase Sapphire Preferred Card. When you travel abroad, it is always a good idea to carry a credit card with no foreign transaction fees because it saves you money on purchases and it helps you avoid the hassle of converting currency. See more credit cards that have no foreign transaction fees.

13. Discounts on companion airfare

Some airline credit cards let you buy companion flight tickets at a discount, which saves you money on airfare if you fly with a companion. Delta SkyMiles Platinum American Express Card offers its cardholders a Companion Certificate on Main Cabin domestic, Caribbean, or Central American roundtrip flights each year on your account anniversary.

14. Complimentary extended warranties

In-store extended warranties may cost too much and you may never have a chance to use the coverage. You are often better off declining to pay for such extended warranties because it can be a waste of money. Luckily, many credit cards offer extended warranty at no cost for their card members.

15. Complimentary price protection

Price protection is another common benefit provided by credit cards. If your purchase goes on sale after you buy, some credit cards may refund the difference. You just need to provide an ad proving the better price and submit the claim within the specified time limit of the price change.

16. Improve credit score and save on loans

Having a higher credit score can lower your costs on other loans, such as home mortgage, car loans, etc. Your credit-card payment activities affect your credit score. If you make payments on time to pay towards the balance on your credit card accounts, your responsible payments will improve your credit score. Having an excellent credit rating may qualify you for loans with lower interest rates, which will potentially save you thousands of dollars each year. If you have poor credit or have insufficient credit history, you may be ineligible for loans. Opening credit card accounts and making payments responsibly can be a good first step to establish credit history so that you can save a lot on loans. Sometimes you may have to start with secured credit cards to build credit, which may have low credit limit and may cost a little, but having an established credit history of good ratings will pay off over the long term.

The post 16 Money-Saving Tips on Using Credit Cards appeared first on CardBenefit.

Numerous credit cards provide rewards specifically for dining expenses, often featuring extra rewards for restaurant spending. We thoroughly examined offerings from various card issuers to identify those that are exceptionally generous with their dining bonuses. Our findings highlight several cards that not only offer substantial rewards for dining but also come with additional perks.

Costco Anywhere Visa^® Card by Citi

Costco Anywhere Visa Card by Citi is a rewarding option for dining and various other categories. Cardholders can earn 3% rewards on restaurant spending. Additionally, there are substantial rewards for other purchases, including 4% cash back on eligible gas and EV charging purchases (up to $7,000 per year), 3% cash back on travel purchases, and 2% cash back on purchases from Costco and Costco.com. For alll other purchases, you earn a solid 1% cash back. The card offers these benefits without an annual fee, provided you have a paid Costco membership. Furthermore, it comes with the advantage of no foreign transaction fees, making it a favorable choice for those who frequently make purchases abroad.

The Best Dining Credit Cards for You

Choosing the right card among these options depends on your specific preferences and priorities. For Costco members seeking simplicity and 3% cash rewards on dining, the Costco Anywhere Visa Card by Citi, bundled with the perks of a paid Costco membership, fits the bill. Whatever your preference for dining rewards, there’s a card tailored to meet your needs.

Recommended Dining Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Costco Anywhere Visa® Card by Citi	5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter. 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel. 2% cash back on all other purchases from Costco and Costco.com 1% cash back on all other purchases	$0 rates & fees

The post Best Dining Credit Cards with No Annual Fee appeared first on CardBenefit.

Many cash back credit cards offer rewards based on specific spending categories, and some even feature rotating categories that change every quarter. On the other hand, flat-rate cash back credit cards, which offer a consistent cash back percentage on all purchases, provide simplicity and predictability without the need to monitor or activate specific categories. There are several cash back credit cards that offer a fixed rewards structure, providing a constant 2% cash back on all purchases.

Best All-Around 2% Cash Back Credit Cards

Citi Double Cash^® Card

For those seeking straightforward cash rewards without an annual fee, Citi Double Cash Card issued by our partner Citibank stands out as a clear and beneficial choice. With a $200 cash bonus and a steady 2% cash back on all purchases, it offers simplicity and reliability. Additionally, the card provides 0% introductory APR on balance transfers for a generous 18-month period, presenting a valuable opportunity for managing and reducing existing credit card debt.

Apply Now

Citi Double Cash^® Card

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back.
• Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
• Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% - 27.49%, based on your creditworthiness.
• Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
• If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Intro APR

0% on Balance Transfers

Intro APR Period

18 months

Annual Fee (rates & fees)

$0

Credit Needed

Excellent, Good

Other 2% Cash Back Credit Card

A few other cash back credit cards also give you 2% cash back rewards on all purchases. Here is a list of additional credit cards offering a flat 2% cash back rate:

Credit Card		Bonus and Rewards	Annual Fee
	Synchrony Premier World Mastercard®	2% cash back* on every purchase--no categories, tiers, or limits--no kidding. Get more out of every day purchases -- earn 2% cash back with your Synchrony Premier Card. No complicated math or rewards categories to remember.	$0
	TD Double Up℠ Credit Card	$100 Cash Back in the form of a statement credit when you spend $1,000 within the first 90 days after account opening Unlimited 2% Cash Back on all eligible purchases	$0

The post Best 2% Cash Back Credit Cards appeared first on CardBenefit.

Personal credit cards with no annual fee can be advantageous for a number of reasons.

Cost Savings: The most apparent benefit is the absence of an annual fee, which means you won’t incur a yearly charge for simply having the card. Therefore, no-annual-fee credit cards are popular among individuals who want to minimize credit card costs.

Accessibility: No-annual-fee credit cards are often more accessible to a broader range of consumers. In general, premium travel cards usually require applicants to have excellent credit profile. But for credit cards with no annual fee, people with varying credit profiles usually may qualify, making these cards a good option for those who may be establishing or rebuilding their credit.

Simplicity: No-annual-fee cards typically come with straightforward terms. Consequently, you don’t have to worry about justifying the annual fee through rewards or benefits, making them simpler to understand and manage.

Introductory Offers: Some no-annual-fee cards offer introductory perks, such as cash back rewards, sign-up bonuses, or 0% APR on purchases or balance transfers. These features can provide value without the cost of an annual fee.

Backup or Occasional Use: A no-annual-fee card can be an excellent backup or secondary credit card. It is there when you need it without the financial commitment of an annual fee.

Building Credit History: For individuals looking to build or rebuild their credit, no-annual-fee cards can be a low-risk option to establish a positive credit history without the added cost.

List of Personal Credit Cards with No Annual Fee

Here is a list of available personal credit cards that have no annual fee:

Citi Credit Cards

Credit Card		Bonus, Rewards, Perks, and 0% APR	Annual Fee
	Citi Strata℠ Card	20,000 bonus Points after spending $1,000 in the first 3 months of account opening. 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases. 0% on purchases and balance transfers for 15 months. After the intro period ends, the go-to rate of 18.49% - 28.49% (variable) applies. (rates & fees)	$0
	Citi Double Cash® Card	$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel. 0% on balance transfers for 18 months. After the intro period ends, the go-to rate of 17.49% - 27.49% (variable) applies. (rates & fees)	$0
	Citi® Diamond Preferred® Card	0% on purchases for 12 months and on balance transfers for 21 months. After the intro period ends, the go-to rate of 16.49% - 27.24% (variable) applies. (rates & fees)	$0
	Costco Anywhere Visa® Card by Citi	5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter. 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel. 2% cash back on all other purchases from Costco and Costco.com 1% cash back on all other purchases No foreign transaction fees	$0 rates & fees

Chase Credit Cards

Credit Card		Bonus, Rewards, Perks, and 0% APR	Annual Fee
	Chase Freedom Unlimited®	Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases. 0% on purchases and balance transfers for 15 months (rates & fees)	$0
	IHG One Rewards Traveler Credit Card	80,000 Bonus Points 3 points per $1 spent on purchases on monthly bills, at gas stations, and restaurants. Earn 2 points per $1 spent on all other purchases No foreign transaction fees	$0 rates & fees

American Express Credit Cards

Credit Card		Bonus, Rewards, Perks, and 0% APR	Annual Fee
	Blue Cash Everyday® Card from American Express	As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout. 0% on purchases and balance transfers for 15 months. After the intro period ends, the go-to rate of 19.49% - 28.49% variable applies. (rates & fees)	$0
	Hilton Honors American Express Card	80,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you spend $2,000 in purchases on the Card within your first 6 months of Card Membership. 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with a hotel or resort within the Hilton portfolio. 5X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: at U.S. restaurants, at U.S. supermarkets, at U.S. gas stations. 3X Hilton Honors Bonus Points for all other eligible purchases on your Card. No foreign transaction fees	$0 rates & fees
	Delta SkyMiles® Blue American Express Card	10,000 bonus miles after you spend $1,000 in purchases on your new Card in your first 6 months. 2X Miles per dollar spent on Delta purchases, at restaurants worldwide, plus takeout and delivery in the U.S., and 1X Mile on all other eligible purchases. No foreign transaction fees	$0 rates & fees

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Card Issuer

USAA Federal Savings Bank

Network

Visa

Card Category

Cash Back, No Annual Fee

Required Credit

Good, Excellent

Rate this card:      

Rates & Fees     Must be or become a USAA member to apply.

Citi Double Cash^® Card

Citi^® Diamond Preferred^® Card

Blue Cash Preferred^® Card from American Express

Citi Strata^℠ Card

Chase Freedom Unlimited^®

Blue Cash Everyday^® Card from American Express

The American Express Blue Business Cash™ Card

Costco Anywhere Visa^® Card by Citi

Costco Anywhere Visa^® Business Card by Citi

Choice Rewards World Mastercard^®

GO2bank™

Walmart MoneyCard^®

Upgrade Life Rewards Visa^®

Zolve Classic Credit Card

Destiny^® Mastercard^® - Up to 3% Cashback Rewards

Milestone^® Mastercard^® - 1.5% Cashback Rewards

This offer is currently unavailable

WE RECOMMEND

Citi Double Cash^® Card

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Browse featured credit cards

The post USAA Preferred Cash Rewards Credit Card appeared first on CardBenefit.

Citi Double Cash Card offers unlimited 2% cash back on every purchase, including all online purchases. In addition, new cardholders can also receive a $200 cash bonus.

Credit Card		Bonus and Rewards	Annual Fee
	Citi Double Cash® Card	$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.	$0 rates & fees

Alternative Cash Rewards Credit Cards

If you are interested in Citi Double Cash Card, you may also consider a few other credit cards with similar benefits.

Credit Card		Bonus and Rewards	Annual Fee
	Blue Cash Preferred® Card from American Express	As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.	$0 intro annual fee for the first year, then $95. rates & fees
	Blue Cash Everyday® Card from American Express	As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.	$0 rates & fees
	Citi Strata℠ Card	20,000 bonus Points after spending $1,000 in the first 3 months of account opening. 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.	$0 rates & fees
	Chase Freedom Unlimited®	Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.	$0 rates & fees
	Costco Anywhere Visa® Card by Citi	5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter. 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel. 2% cash back on all other purchases from Costco and Costco.com 1% cash back on all other purchases	$0 rates & fees

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Citi Double Cash: $200 Bonus, 2% Cash Back

Citi Double Cash^® Card offers $200 bonus cash. You only need to spend $1,500 on purchases in the first 6 months to qualify for the $200 bonus. In addition, you can earn 2% cash back on all purchases. It has no annual fee.

Apply Now

Citi Double Cash^® Card

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back.
• Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
• Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% - 27.49%, based on your creditworthiness.
• Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
• If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Intro APR

0% on Balance Transfers

Intro APR Period

18 months

Annual Fee (rates & fees)

$0

Credit Needed

Excellent, Good

Alternative Rewards Credit Cards

If you are interested in Citi Double Cash Card, you may also consider a few other credit cards with similar bonus, cash rewards, and benefits.

Cash Back Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Blue Cash Preferred® Card from American Express	As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.	$0 intro annual fee for the first year, then $95. rates & fees
	Chase Freedom Unlimited®	Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.	$0 rates & fees
	Blue Cash Everyday® Card from American Express	As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.	$0 rates & fees
	Costco Anywhere Visa® Card by Citi	5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter. 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel. 2% cash back on all other purchases from Costco and Costco.com 1% cash back on all other purchases	$0 rates & fees

Rewards Credit Cards

Credit Card		Bonus and Rewards	Annual Fee
	Citi Strata Premier® Card	60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com. 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations. 1 Point per $1 spent on all other purchases	$95 rates & fees
	Chase Sapphire Preferred® Card	75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. Enjoy benefits such as 5x on travel purchased through Chase Travel, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases	$95 rates & fees
	Citi Strata℠ Card	20,000 bonus Points after spending $1,000 in the first 3 months of account opening. 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.	$0 rates & fees

The post Best Cash Rewards Credit Cards appeared first on CardBenefit.

3% Cash Back on Grocery, Online Retail, and Gas Purchases + $200 Bonus

Blue Cash Everyday Card from American Express is offering $200 bonus cash back. It also offers 3% cash back on purchases at U.S. supermarkets, U.S. gas stations, and U.S. online retailers, on up to $6,000 per year. It has no annual fee..

Apply Now

Blue Cash Everyday^® Card from American Express

• Apply and find out your welcome offer. As High As $200 cash back* after you spend $2,000 in purchases on your new Card within the first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply, and if approved: 1. Find out your offer amount 2. Accept the Card with your offer 3. Spend $2,000 in 6 months 4. Receive the cash back. *Cash back is received in the form of Reward Dollars that can be redeemed for a statement credit or at Amazon.com checkout.
• No Annual Fee.
• Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, your APR will be a variable APR of 19.49%-28.49%.
• Plan It^®: Buy now, pay later with Plan It. Split purchases of $100 or more into equal monthly installments with a fixed fee so you don't have the pressure of paying all at once. Simply select the purchase in your online account or the American Express^® App to see your plan options. Plus, you'll still earn rewards on purchases the way you usually do.
• Earn 3% cash back at U.S. supermarkets, 3% cash back on U.S. online retail purchases, 3% cash back at U.S. gas stations, on eligible purchases for each category on up to $6,000 per year in purchases (then 1%). Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.
• Get up to a $7 monthly statement credit after using your enrolled Blue Cash Everyday^® Card for a subscription purchase, including a bundle subscription purchase, at DisneyPlus.com, Hulu.com, or Stream.ESPN.com U.S. websites. Subject to auto-renewal.
• Terms Apply.

Intro APR

0% on Purchases and Balance Transfers

Intro APR Period

15 months

Annual Fee (rates & fees)

$0

Credit Needed

Good to Excellent

Alternative Cash Rewards Credit Cards

If you are interested in Blue Cash Everyday Card from American Express, you may also consider a few other credit cards with similar benefits.

Credit Card		Bonus and Rewards	Annual Fee
	Citi Double Cash® Card	$200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.	$0 rates & fees
	Citi Strata℠ Card	20,000 bonus Points after spending $1,000 in the first 3 months of account opening. 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.	$0 rates & fees
	Blue Cash Preferred® Card from American Express	As High As $300 cash back* after you spend $3,000 in purchases on your new Card within the first 6 months of Card Membership. 6% cash back at U.S. supermarkets on up to $6,000 per year in eligible purchases (then 1%), 6% cash back on select U.S. streaming subscriptions, 3% cash back at eligible U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more) purchases and 1% cash back on other purchases. Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit and at Amazon.com checkout.	$0 intro annual fee for the first year, then $95. rates & fees
	Chase Freedom Unlimited®	Earn a $250 Bonus after you spend $500 on purchases in your first 3 months from account opening Enjoy 5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases.	$0 rates & fees
	Costco Anywhere Visa® Card by Citi	5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter. 3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel. 2% cash back on all other purchases from Costco and Costco.com 1% cash back on all other purchases	$0 rates & fees
	The American Express Blue Business Cash™ Card	$250 statement credit after you make $3,000 in purchases on your Card in your first 3 months. 2% cash back on all eligible purchases on the first $50,000 of purchases each calendar year, 1% thereafter. Cash back earned is automatically credited to your statement.	$0 rates & fees

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