Citi
Citi Double Cash® Card
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | Earn $200 cash back |
| Rewards Rate | 2% Cash Back, 5% on travel |
| Intro APR | Introductory rate of 0% for 18 months from date of account opening for balance transfers completed within 4 months of account opening. |
| Regular APR | After the introductory period ends, a variable APR of 17.49% - 27.49%, based on your creditworthiness, applies to unpaid promotional balances and new balance transfers. The variable APR for purchases is 17.49% - 27.49%, based on your creditworthiness. For Citi Flex Plans subject to an APR, the variable APR is 17.49% - 27.49%, based on creditworthiness. Variable cash advance APR - 29.74%. Variable Penalty APR up to 29.99% and applies if you pay late or your payment is returned. |
| Other Fees | No Authorized User fee Intro balance transfer fee 3% ($5 minimum) of each transfer, completed within first 4 months of account opening Balance transfer fee after intro rate expires 5% ($5 minimum) of each transfer Fee for foreign purchases – 3% of the U.S. dollar amount of each purchase. Cash advance fee – either $10 or 5% of the amount of each cash advance, whichever is greater. Minimum interest charge – $0.50. For Citi Flex Pay Plans subject to a Plan Fee, a monthly fee of up to 1.72% will apply, based on the Citi Flex Plan duration, the APR that would otherwise apply to the Transaction, and other factors. |
| Network | Mastercard |
About this card
The Citi Double Cash Card earns an overall rating of 4.1, positioning it as an excellent choice, particularly for consumers prioritizing straightforward cash back rewards without an annual fee. Its most compelling feature is the unlimited 2% cash back on all purchases (1% when you buy, 1% when you pay), which is a market-leading flat rate. This, combined with a $0 annual fee, creates an exceptional value proposition for everyday spending. The card further bolsters its rewards with a generous 5% cash back on hotels, car rentals, and attractions booked through the Citi Travel portal, adding a valuable bonus category without compromising its no-annual-fee status. The rewards, earned as flexible ThankYou Points, can be easily redeemed for cash back or potentially transferred for higher value with other Citi cards. The card also benefits from an excellent reputation, consistently praised by financial experts and users for its simplicity and effectiveness. However, the card does have notable limitations. Its APR structure is a significant drawback, particularly the high regular variable APR range (17.49% - 27.49%) and the absence of an introductory APR on purchases. This makes it a less ideal choice for individuals who anticipate carrying a balance, as interest charges could quickly erode earned rewards. Additionally, the 3% foreign transaction fee makes it unsuitable for international travel or foreign online purchases. While an introductory 0% APR on balance transfers is available, the standard balance transfer fee can be high. In summary, the Citi Double Cash Card is a top-tier option for consumers with good credit who consistently pay their balance in full and seek to maximize cash back on all domestic spending. Its robust rewards and no annual fee solidify its standing as an excellent everyday credit card, despite its high APR and foreign transaction fee which limit its versatility for specific use cases.
Pros & Cons
What's great
- No annual fee
- Intro APR period
- Generous sign-up bonus
- High rewards rate
- Cashback on purchases
- Valuable cardholder benefits
Things to consider
- High regular APR
- High balance transfer fee
- Foreign transaction fees apply
What this card offers
Sign-up bonuses
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of your Citi Double Cash® Card account opening.
Rewards
- Earn unlimited 1% cash back when you buy, plus an additional 1% as you pay, on every purchase.
- Plus, earn a total of 5% on select travel
- Travel your way and make the most of your vacation with an additional 3% cash back on hotels, car rentals, and attractions booked through the Citi Travel portal. This is on top of the 1% when you buy and the 1% as you pay.
Other features
- No caps and no category enrollment
- Cash back is earned in the form of ThankYou® Points
- Redeem ThankYou® Points as a direct deposit with any checking or savings account.
- Redeem ThankYou® Points for a statement credit in any denomination, which will be applied to your card account.
- Redeem ThankYou® Points for a check made payable to you with minimum redemption amount of $5.
- $0 liability on unauthorized charges
- Extended warranty
- Citi® Merchant Offers
- Citi Entertainment® is an entertainment access program available to eligible Citi® credit card and Citibank® Debit Card customers. Citi cardmembers get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences to the year's most anticipated concerts, sporting events, arts and culture experiences.
- Access FICO® Score
- View your FICO® Score online anytime, without impacting your score — plus learn key factors affecting your score. It’s updated monthly and easy to find on the Citi Mobile® App and Citi® Online. Checking your score is always FREE.
- Mastercard® ID Theft Protection
- Citi® Quick Lock
- 24-hour fraud protection
- Automatic account alerts
- Choose your payment due date
- Paperless statements and e-communications
- 24/7 Customer service
- Citi Mobile® App
- Contactless pay
- Digital wallets
- Citi® Flex Pay
- Buy now, pay later with Citi® Flex Pay. Pay over time in fixed monthly payments and continue to earn points on purchases. Available on eligible purchases of $75 or more.
Additional Notes
This offer may not be available if you leave this page. Offers may vary and this offer may not be available in other places where the card is offered. Bonus ThankYou Points are not available if you have received a new account bonus for a Citi Double Cash account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a Citi Double Cash account. Balance Transfers do not earn cash back. Intro APR does not apply to purchases. If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.