Review
Citi Double Cash® Card Review: Earn 2% Cash Back on Every Purchase
Looking for a straightforward way to earn cash back? The Citi Double Cash® Card offers a simple, flat-rate rewards system with 2% cash back on all purchases, making it a top contender for everyday spending.
| 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. |
Overview
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
Benefits
Drawbacks
Decision Guidance
Summary
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 sp...