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 verified against the issuer on 2026-07-16. Welcome offers change often — always confirm the current offer on the issuer's site.
Best for people who want maximum flat-rate cash back with zero effort.
APR and fees are illustrative — confirm current terms on the issuer's site.
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.
⚠️ Disclaimer: This site is a product concept. All card data, bonuses and figures are illustrative, may be out of date, and are not financial advice. Always verify with the issuer before applying.