Read our review. You earn 2% cash back on every purchase — 1% when you buy something and 1% when you pay it off. After that, the variable APR will be % - %, based on your creditworthiness.1 Balance transfer fee of either $ or % of the amount of each transfer, whichever is greater.1, Balance transfer fee of either $ or % of the amount of each transfer, whichever is greater.1. The difference between term and whole life insurance, How medical conditions affect your life insurance rate. % - % variable APR, based on your creditworthiness1 Balance transfer fee of either $ or % of the amount of each transfer, whichever is greater1. Read MoreRead More. The card charges no foreign transaction fee, so it's a good travel companion. is an intriguing choice for people who make a lot of small purchases because it automatically rounds up the number of points you earn when you buy something. The Costco Anywhere Visa® Card by Citi turns everyday spending into rewards you can redeem at Costco (although you can only redeem them once a year). It's about as much breathing room as you'll find anywhere for transferring debt. However, this does not influence our evaluations. You earn bonus rewards on gas, at restaurants, on travel and at Costco itself. You don’t have to worry about keeping track of rotating rewards categories or opting into quarterly offers. Our pick for: Outsize rewards on small purchases. Plus, earn 1X ThankYou® Points on All Other Purchases. Another upside? has been our choice for the best flat-rate cash-back card. The standard variable APR for Citi Flex Plan is 13.49% - 23.49% based on your creditworthiness. Earn American Airlines AAdvantage® bonus miles after spending $ in purchases within the first months of account opening. After that, the variable APR will be 13.49% - 23.49%, based on your creditworthiness. After that, the variable APR will be % - %, based on your creditworthiness.1 Balance transfer fee of either $ or % of the amount of each transfer, whichever is greater1. Our pick for: Balance transfers + late fee waiver. Earn double miles on select purchases as well as enhanced travel benefits, including your first checked bag free. All financial products, shopping products and services are presented without warranty. Choose a Mastercard ® credit card from Citi with rewards that suit your lifestyle. It doesn't charge an annual fee, late fees or penalty APRs either. The list of airline transfer partners is lacking in good domestic options. You receive a rewards certificate once a year in your February billing statement. Read our review. 0% Intro APR on balance transfers and purchases for 15 months.