The combined 2% rewards rate — 1% when you make a purchase and 1% when you pay it off — is among the best on any cash-back card, especially for an annual fee of $0. Many or all of the products ...

I've had Citi card for years - with a high credit limit. I often use it. I had a high balance, and paid it off in a large payment. They turned around and lowered my credit limit from 29k to 500 ...