Get an Easy $200 Cash Back with the Top Card of 2023
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Get an Easy $200 Cash Back with the Top Card of 2023

Editorial Note: Our editorial team’s content is not provided, commissioned or otherwise endorsed by any financial institution or partner. The opinions, reviews or recommendations expressed in any article mention are solely those of our editorial team. This page contains products from our advertising partners.

We're declaring a new best in class for the cash back category.

The  offers 0% for an incredible 15 months on balance transfers and purchases as well as the opportunity to earn $200 cash back making this pick a no-brainer.

The bottom line:

  • . Sign up online today and you won't pay any interest at all until 2024. The 15 month period starts when you open the account and applies to all qualifying balance transfers.
  • With Citi® Quick Lock and $0 liability on unauthorized charges, your account is secure and protected
  • annual fee
  • Click “APPLY NOW” to apply online

Why the is Our Top Pick

Showstopping cash back opportunities

New Cardholders receive the opportunity to earn major cash back — That is an easy $200 cash back! Additionally earn No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.

Balance transfers are just the beginning

This card was designed to help you take your time paying off old balances, but what about the new purchases we all have to consider? How about a whole year without the hassle of additional interest. On top of the generous 15-month balance transfer offer, you’ll also receive 15 months of 0% APR on all purchases.

Forget about paying an annual fee

Saving money on interest payments — for existing balances and new purchases, too — shouldn’t come at a high price. And with this card, the $0 annual fee means you’re not paying for the privilege of all that interest-free time.

$0 Liability on unauthorized purchases

Fraudulent charges can appear no matter how careful you are. And if they do, Citi has you covered. No liability for fraud plus proactive Citi® Identity Theft Solutions means wherever you are and whatever you buy, you can always shop with confidence.

Set payments around your schedule

The right credit card should help you control your finances, not make demands on them. With this card, you’re the one who sets your payment due dates, so you can comfortably arrange the timing between the paychecks you receive and card payments you make.

Who gets approved for this card?

Your approval odds are higher if you have a credit score of 670+. This means that you need at least good credit to get this card. Citi will also review your annual income, sources of income, and housing status, among other factors.

Our Expert Opinion

When it comes to cash back, this card is at the top of the pack. With 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, cardholders can rest easy knowing that they are earning a stellar rewards rate. On top of that, this card offers a generous sign up bonus as well as a lengthy 0% Intro APR period. See if you are approved and apply today!