No late fees, no penalty rates, no annual fee — ever. This card also offers 0% interest for 21 months if you transfer your balance.
Citi Double Cash
Earn 2% cash back on all purchases — 1% when you buy and 1% when you pay your bill. This applies to all purchases, there are no rotating categories. 0% interest for 18 months when you transfer a balance to the card.
Transfer a balance to the card with no fee if it happens within 60 days of opening the account. This card offers a 0% interest rate for 15 months on transferred balances.