Citi Double Cash^®: Earn 2% Cashback on All Purchases

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.
• Eligibility:
  • You may not qualify for the Citi Double Cash^® Card welcome bonus if you received a new account bonus on a Citi Double Cash^® account within the past 48 months.
  • You may also be ineligible if you converted another Citi credit card that earned a new account bonus within the past 48 months into a Citi Double Cash^® account.

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:

• Cashback Redemption: Redeem ThankYou^® Points for 1 cent per point as a statement credit, direct deposit, or check.
  • No Minimum for Statement Credit or Direct Deposit: Redeem any amount through these options.
  • Check Redemption: A $5 minimum applies when redeeming points for a check.
• Other Redemption Options:
  • Gift cards.
  • Travel.
  • Online shopping 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 18.24% - 28.49% 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.

Purchase Protections

Extended Warranty: Get extra warranty protection at no cost on eligible items you purchase with your card.

Convenience Features

• Digital wallet compatible: Apple Pay^®, Google Pay™, Samsung Pay.
• Authorized Users: Add authorized users at no cost and earn rewards on their purchases.

Nice Extras

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

Shopping & Savings

Citi^® Merchant Offers: Targeted statement credit offers on select purchases. Enrollment required; offers vary by cardmember.

Buy Now, Pay Later Options

Citi^® Flex Pay: Buy now and pay over time with fixed monthly payments on eligible purchases of $75 or more, while still earning points on your purchases.

Additional Features

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

Ratings

• Net Value & Cost Efficiency: 4.7/10
• Rewards & Earnings Power: 9.7/10
• Welcome Bonus Value: 8/10
• First-Year Earning Boost: 0/10
• APR & Interest Structure: 5.5/10
• Simplicity & Transparency: 9.3/10
• Perks, Benefits & Protections: 2.6/10
• Issuer Credibility & Stability: 6.1/10
• Installment & BNPL Features: 7/10
• Eligibility & Approval Accessibility: 7.5/10

Big4Credit ratings are based on our independent analysis of each card’s features, value, fees, rewards, and benefits. Card issuers do not influence our ratings.

Customer Satisfaction

The Citi Double Cash^® Card received a 630 out of 1,000 score in the 2026 J.D. Power U.S. Credit Card Satisfaction Study, placing it above the average score for no-annual-fee rewards credit cards.

Terms and Conditions

Click Apply Now to see the terms and conditions.

EarnSmart Rewards Strategy

• U.S. Bank Altitude^® Connect (travel & transportation): Adds elevated rewards on travel, gas, and EV charging, giving Double Cash cardholders a way to earn more on key transportation and travel purchases.
• Discover it^® (rotating 5% bonus categories): Earn 5% cashback on rotating quarterly bonus categories (activation required), providing opportunities to beat Double Cash’s 2% rate when the quarterly categories match your spending.
• Chase Freedom Flex^® (rotating 5% bonus categories): Adds another rotating 5% cashback calendar (activation required), giving you even more opportunities to earn above Double Cash’s flat 2% rate throughout the year.

Alternative Cards

• Wells Fargo Active Cash^®: Earn unlimited 2% cash rewards on all purchases.
• Bank of America^® Unlimited Cash Rewards: Earn unlimited 2% cashback on purchases during the first year and 1.5% cashback thereafter, with the potential to earn even more through the BofA Rewards™ program.
• Capital One Quicksilver Rewards: Earn unlimited 1.5% cashback on all purchases, plus no foreign transaction fees.
• Chase Freedom Unlimited^®: Offers 3% cashback on dining and drugstores, plus unlimited 1.5% cashback on all other purchases.

» MORE: See Big4credit’s best cashback credit cards

The information about the credit cards has been collected independently by big4credit.com. The card details have not been reviewed or approved by the card issuer.