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Double Cash®

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Double Cash®
4.5

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: 0%, 18 months

Regular APR

18.24% - 28.24% Variable APR

Buy Now, Pay Later Make equal monthly payments on purchases of $75 or more. No interest, just a fixed monthly fee. The plan availability is up to the bank's discretion.

Citi Flex Plan

Credit Score

670-850 (Good/Excellent)

Rewards Earn 2% unlimited cashback: 1% when you buy and 1% as you pay, with no categories to track or quarterly activations. Limited-time 5% cashback on travel bookings: Earn 5% cashback on hotels, car rentals, and attractions booked through the Citi Travel℠ portal through 12/31/25.

2% - 5% Cashback

Welcome Offer Earn $200 cashback after spending $1,500 in the first six months.

$200

Welcome Offer

Earn $200 cashback after spending $1,500 in the first six months.

Rewards

  • 2% Unlimited Cashback: 1% when you buy and 1% as you pay, with no categories to track or quarterly activations.
  • Limited-Time 5% Cashback on Travel Bookings: Earn 5% cashback on hotels, car rentals, and attractions booked through the Citi Travel℠ portal through 12/31/25.

Redemption Options

Redeem points for cashback, gift cards, travel, purchases, and more.

Fees and APR

  • Annual Fee: $0.
  • 0% Intro APR on Balance Transfers: For 18 months from account opening on balance transfers completed within the first 4 months.
  • Regular APR: 18.24% - 28.24% Variable APR.
  • Intro Balance Transfer Fees: $5 or 3% of the transfer amount, whichever is greater, for balance transfers completed within the first 4 months.
  • Regular Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
  • Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.

Exclusive Offers

  • Citi Entertainment®: Access exclusive experiences like presale tickets, VIP packages, and events for concerts, sports, dining, and more.

Additional Features

  • 24/7 customer service, contactless checkout, compatibility with digital wallets, zero liability protection, and fraud protection. Benefit from Mastercard ID Theft Protection for added peace of mind.

Terms and Conditions

Click Apply Now to see the terms and conditions.

The Citi Double Cash® Card is a top choice for people who want a simple, no-annual-fee rewards card with strong everyday value. It offers 2% cashback on all purchases: 1% when you buy and another 1% when you pay, without any categories to track or activate. While it doesn’t come with travel perks or a flashy welcome bonus, its straightforward earning structure and flexibility make it appealing for budget-conscious users and those who prefer low-maintenance rewards. This card is ideal for anyone seeking consistent cashback on all spending.