2. Citi® Double Cash Card
- Cashback Structure: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- Introductory APR: 0% intro APR on balance transfers for 18 months. After that, the variable APR will be based on your creditworthiness.
- No Annual Fee: Enjoy cash back with no annual fee.
3. Discover it® Cash Back
- Cashback Structure: Earn 5% cash back on rotating quarterly categories (up to $1,500 spent each quarter, then 1%) and 1% on all other purchases.
- Sign-Up Bonus: Discover will match all the cash back you’ve earned at the end of your first year, automatically.
- Introductory APR: 0% intro APR on purchases and balance transfers for 15 months. After that, variable APR applies.