Citi Double Cash

Alright, so the Citi Double Cash card is kind of like that reliable friend who doesn’t make a big fuss about things but gets the job done. You earn 2% cash back on everything: 1% when you buy and another 1% when you pay it off. Pretty straightforward, right? No hoops to jump through or categories to remember. That's a relief if you're like me and can't be bothered to track all that stuff. It’s plain and simple, which I appreciate.

Now, there’s no annual fee, which is always a sweet deal, right? But, there is a bit of a catch with foreign transaction fees. So if you’re planning to jet off to another country, keep in mind you'll get dinged 3% on international purchases. That might not seem like a lot, but it can add up if you’re buying a round of drinks or souvenirs overseas. So, if you're a frequent traveler, this might not be your go-to card.

The interest rate can be a downside if you're the type to carry a balance. It’s not exactly low, so paying off your bill each month is a smart move. If you’re gonna let a balance sit around, it might hit you harder than you’d like. This card rewards folks who pay off their purchases quickly. But hey, if you’re organized with your payments, it’s a non-issue.

Customer service with Citi is actually decent. Nothing to rave about, but they’re pretty quick on the draw if you have an issue. The mobile app isn’t half bad either—easy navigation and all the info you need without having to dig for it. It’s user-friendly, which is a bonus because no one wants to wrestle with technology when they’re just trying to check their balance.

Bottom line? The Citi Double Cash card is solid for someone who wants a straightforward cash-back card without a lot of fuss. It’s reliable for everyday spending, but if you're looking for travel perks or fancy benefits, you might want to look elsewhere. It's like a trusty old pair of jeans—nothing fancy, but it’ll carry you through the day without letting you down. So, weigh what you need and see if it fits.