Sep 30, 2017

The best cash back credit cards let you earn points with few restrictions.

Citi Double Cash gives you points worth $2 back for every $100 you spend—on anything. There are no category restrictions. No rotating categories to keep track of. And no caps on the amount of rewards you can earn. This Citi Mastercard also has no annual fee and offers a below-average APR if you have good credit.

Rewards: Two points for every $1 spent and paid off
Annual Fee: $0
APR: 14.49%–24.49%