3. Citi® Double Cash Card: Best for Long-Term Cash Back Rewards
Most dedicated balance transfer cards become completely useless once you finish paying off your debt because they don’t offer any ongoing rewards. The Citi® Double Cash Card solves this problem by serving as an elite debt-payoff tool today and a top-tier daily rewards card for your future.
- Introductory APR: 0% APR for 18 months on balance transfers.
- Ongoing Rewards: Earn 2% cash back on every purchase (1% when you buy, plus 1% as you pay).
- Annual Fee: $0.
Why We Recommend It
While the 18-month interest-free window is slightly shorter than our first two options, it is still more than enough time for most consumers to destroy their balance. Once your debt is entirely gone, you are left with one of the absolute best flat-rate cash back cards in the United States, allowing you to build wealth moving forward.
Maximizing Value
There is no limit to the total amount of cash back you can earn, and there are no category restrictions to track. It is the ultimate card for anyone looking to transition smoothly from debt management to long-term wealth building.
Click “Next” to access our essential expert guidelines to ensure your balance transfer is successful and free of hidden costs.