The Citi®Double Cash Card – 18 month BT offer is one of our favorite cash-back cards on the market today. It offers 1% cash back when you make your purchases, then an additional 1% back when you pay them off. This means that if you’re paying your bill in full every month ( which you are, right? ), you’re effectively earning cash back at one of the highest rates out there. A rewards rate like this is tough to beat, and it comes with an annual fee of $0. There’s no limit to the rewards you can earn, so you won’t have to worry about running up against any spending caps. Plus, you have a few choices when it comes time to redeem: statement credit, check or gift cards. If you’re looking for a card that will give you a high, ongoing return on your purchases andpayments, all without having to shell out for an annual fee, the Citi®Double Cash Card – 18 month BT offer is a no-brainer.