Citi Double Cash®: 2% Cashback on All Purchases

Olena
By Olena | Feb 3, 2026 at 4:32 PM EST

The Bottom Line

4.3
BIG4CREDIT RANKING Our 5-star rating is based on Big4credit’s independent, data-driven scoring system. Each card is evaluated across multiple weighted categories – including rewards, fees, welcome offers, 0% intro APR, ongoing APR, perks, benefits, and protections. Ratings are determined solely by our research and analysis and are never influenced by card issuers or advertisers. Read about our ranking system in the Credit Card Ranking & Methodology section.
Citi Double Cash® is one of the best choices for people who want simple, high flat-rate cashback with no annual fee. You earn 2% cashback on every purchase — 1% when you buy and 1% when you pay — with no categories to track and no spending caps. While it doesn’t include premium perks, the card offers a sign-up bonus, 5% cashback on select Citi travel bookings, and a 0% intro APR for 18 months on balance transfers. Overall, it’s an excellent everyday card for maximizing consistent cashback with minimal effort.
Citi Double Cash®
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Citi Double Cash®
Annual fee:   $0

Intro APR

Purchases: N/A

Balance Transfers: 0%, 18 months

Regular APR

17.49% - 27.49% Variable APR

Credit Score

670-850 (Good/Excellent)

Rewards Earn 2% unlimited cashback on every purchase - 1% when you buy and 1% as you pay - with no categories to track or quarterly activations. Plus, earn 5% cashback on hotels, car rentals, and attractions booked on Citi Travel®.

2% - 5% Cashback

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

$200

Pros and Cons

Pros:

  • Unlimited 2% cashback on all purchases
  • No annual fee
  • Sign-up bonus
  • Intro 0% APR on balance transfers

Cons:

  • No intro 0% APR on purchases
  • Foreign transaction fees
  • High APR

Welcome Offer

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

Rewards

  • 5% Cashback on Select Citi Travel®: Earn 5% cashback on hotels, car rentals, and attractions booked on Citi Travel®.
  • 2% Cashback on All Other Purchases: 1% when you buy and 1% as you pay, with no categories to track or quarterly activations.

Redemption Options

Flexible Redemption Options: Redeem points for cashback (100 ThankYou® Points = $1) as a statement credit, direct deposit, or check. There are no minimums for statement credit or direct deposit redemptions. Points can also be redeemed for gift cards, travel, or used to shop with points at Amazon.com. Redemption rates may vary. Cash rewards do not expire.

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: After the introductory period, a variable APR of 17.49% - 27.49% applies to purchases and balance transfers.
  • 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.

Convenience Features

Digital wallet compatible: Apple Pay®, Google Pay™, Samsung Pay.

Nice Extras

Entertainment Access: Citi Entertainment® (presale ticket access and occasional exclusive events).

Additional Features

Identity Theft Assistance: Mastercard ID Theft Protection (identity monitoring alerts and guided recovery support).

Terms and Conditions

Click Apply Now to see the terms and conditions.

Alternative Cards

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