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Message: <blockquote data-quote="Muzzytipped" data-source="post: 235451" data-attributes="member: 683">After looking and studying went with this for the best FLAT RATE instead of the confusing TIERED RATE cards.[FONT=&quot]FLAT-RATE CASH BACK Citi® Double Cash Card - 18 month BT offer Why We Like It: With a simple earning structure that allows you to earn more than the typical flat-rate cash-back rewards credit card, this is a winner. (Citi is a CardRatings advertiser) Bonus: There's not a traditional bonus, per se, but this card does offer you 18 months of no interest on balance transfers (then, 15.49% - 25.49%* Variable), which could be "bonus" enough if you're currently paying hefty interest charges on a balance you're carrying on another card. Annual Fee: $0* Rewards Rate: You'll earn 1 percent back when you make your purchases and another 1 percent back when you pay your bill, for a possible total of 2 percent cash back on all your purchases, a nice lift over the typical 1.5 percent cash back offered by flat-rate cash-back rewards credit cards. Read our full Citi® Double Cash Card - 18 month BT offer review. Credit Needed: Excellent, Good[/FONT][FONT=&quot]Read more at: [/FONT]<a href="https://www.cardratings.com/best-credit-cards-for-cash-back-rewards.html" target="_blank">https://www.cardratings.com/best-credit-cards-for-cash-back-rewards.html</a>[FONT=&quot]Copyright © CardRatings.com[/FONT]</blockquote>