Citi
Citi Double Cash® Card
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | $ Cash Back |
| Rewards Rate | 2% Cash Back |
| Intro APR | Introductory rate of % for months from date of account opening for balance transfers completed within months of account opening. |
| Regular APR | After the introductory period ends, a variable APR of % - %, based on your creditworthiness, applies to unpaid promotional balances and new balance transfers. The variable APR for purchases is % - %, based on your creditworthiness. For Citi Flex Plans subject to an APR, the variable APR is % - %, based on creditworthiness. Variable cash advance APR - %. Variable Penalty APR up to % and applies if you pay late or your payment is returned. |
| Other Fees | No Authorized User fee Minimum interest charge – $. Fee for foreign purchases – % of the U.S. dollar amount of each purchase. Cash advance fee – either $ or % of the amount of each cash advance, whichever is greater. Balance transfer fee – intro fee of % of each transfer ($ minimum) completed within the first months of account opening. After that, % of each transfer ($ minimum). For Citi Flex Pay Plans subject to a Plan Fee, a monthly fee of up to % 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 is a strong contender in the no-annual-fee cash-back category, meriting an overall rating of 4.1. Its primary strength lies in its simple and effective 2% cash back on all purchases, making it a valuable card for everyday spending. The absence of an annual fee further enhances its appeal. The reputation is excellent, with consistent praise from financial publications and users alike. The main drawbacks are the presence of a foreign transaction fee and the relatively high APR range. While the rewards program is compelling, the foreign transaction fee makes it less suitable for international travel or purchases. The APR, although variable, can be high, which is a concern for users who carry a balance. The card's value proposition is best suited for users who pay their balance in full each month to avoid interest charges and who do not frequently make purchases in foreign currencies. Overall, it is an excellent card for building credit and earning rewards on everyday spending.
Pros & Cons
What's great
- Generous sign-up bonus
- No annual fee
- Cashback on purchases
Things to consider
- High regular APR
- Foreign transaction fees apply
- High balance transfer fee
What this card offers
Sign-up bonuses
- Earn $ cash back after you spend $ on purchases in the first months of your Citi Double Cash® Card account opening.
- Earn $ cash back bonus after qualifying purchases.
- You can earn your $ welcome bonus by spending $ on purchases in the first months of opening your Citi Double Cash® Card account.
Rewards
- Unlimited 2% cash back
- Earn unlimited 1% cash back when you buy, plus an additional 1% as you pay, on every purchase.
- 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.
- Cash back is earned in the form of ThankYou® Points. This means each billing cycle, you will earn 1 ThankYou® Point per $1 spent on purchases and an additional ThankYou® Point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.
Other features
- $0 liability on unauthorized charges
- Extended warranty
- Citi® Merchant Offers
- Citi Entertainment®
- Access FICO® Score
- Mastercard® ID Theft Protection
- Citi® Quick Lock
- 24-hour fraud protection
- Automatic account alerts
- Choose your payment due date
- Paperless statements and e-communications
- Citi Mobile® App
- Contactless pay
- Digital wallets
- 24/7 Customer service
- Citi® Flex Pay
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.