Citi・Mastercard・No.015
Synonymous with 'lazy 2%.' One card to rule them all if you don't want to think about categories.
✓ Annual fee, APR and foreign-transaction fee checked on 2026-07-16 (source: citi.com). Welcome offers, rewards and benefits change often; the issuer's site has the current terms.
Best for people who want maximum flat-rate cash back with zero effort.
APR and fees as published by the issuer. Variable APRs move with the prime rate, so check the issuer's site before applying.
No, there is no annual fee.
Yes, it charges a 3% foreign transaction fee.
You earn 1% when you buy and another 1% as you pay it off, for up to 2% total.
⚠️ About this data: Where we have checked a card's annual fee, APR and foreign-transaction fee, the page shows the date and the source. Welcome offers, rewards and benefits change often, so the issuer's own site is the final word. Approval is decided by the issuer. Nothing here is financial advice.