Citi Double Cash® Card
Citi Double Cash® Card
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Citi Double Cash® Card

Citi Double Cash® Card
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Our rating:4.1 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Good to Excellent

Credit Recommended (670-850)

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Intro Bonus
$200 cash backEarn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Reward Rates
1%Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time.
5%Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
Balance Transfers Intro APR
0% intro for 18 months on Balance Transfers
Purchases Intro APR
N/A
Regular APR
18.49% - 28.49% (Variable)
Annual Fee
$0

Great for:

Flat rate cash back. Forget tracking spending or juggling multiple cards or bonus categories – the Citi Double Cash Card gets you up to 2% cash back on all purchases (1% when you buy, 1% when you pay off those purchases), no matter when, where or what you buy. This makes the card an ideal choice if you’re looking for a simple, “set-it-and-forget-it” way to earn rewards on your purchases and a no-brainer for inclusion on our list of the best cash back credit cards.

Highlights

  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
  • 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.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Features

  • 0% Introductory APR
    0% Introductory APR
  • Balance Transfer
    Balance Transfer
  • Cash Back
    Cash Back
  • Dining
    Dining
  • EMV
    EMV
  • Editor's Pick
    Editor's Pick
  • Excellent Credit
    Excellent Credit
  • Fair Credit
    Fair Credit
  • Gas
    Gas
  • Good Credit
    Good Credit
  • No Annual Fee
    No Annual Fee
  • Popular
    Popular
  • Presale Tickets
    Presale Tickets
  • Rewards
    Rewards
  • Travel
    Travel

Staff Review

Editor's Rating:

4.1 out of 5

Our take: If you regularly pay off your card in full each month, it’s hard to beat the cash back rewards on the Citi Double Cash card: It offers 2% cash back (1% when you buy and an additional 1% as you make payments for those purchases), making it an ideal card for purchases that don’t qualify for larger bonuses. See Rates and Fees

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All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.