The Citi Double Cash® Card is built for straightforward spenders who want a reliable, high flat rate on every purchase without tracking bonus categories or paying an annual fee. It functions best as an effortless everyday card for routine expenses or as a dependable back-up for non-category spending.
All information about Citi Double Cash® has been collected independently by MaxRewards. Citi Double Cash® is no longer available through MaxRewards.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Overview
Everyday non-category spending
No-annual-fee rewards
Flexible cash back redemption
For anyone seeking a simple rewards strategy, the Citi Double Cash® Card is easily worth holding. Earning an effective 2% back (1% when you buy, plus 1% as you pay) on every purchase with no annual fee makes it one of the most practical everyday cards available. Because rewards are issued as Citi ThankYou Points, you can redeem them for cash back, statement credits, or gift cards without needing complex points strategies.
The main drawback is the 3% foreign transaction fee, which makes it a poor option for overseas travel or international online purchases. Cardholders seeking broad travel protections or airport perks will also need to look elsewhere. Even so, as a hassle-free card for domestic daily spend, its baseline value is difficult to top.
The Citi Double Cash® Card is an outstanding core card for anyone wanting high baseline rewards on every purchase with no annual fee. Just pair it with a no-foreign-fee card when traveling abroad.
Welcome Offer
after you spend $1,500 on purchases on your new card in your first 6 months of card membership.
Est. Value
$300
Required Spend
$1,500
Time Frame
6 Months
Est. Value
$300
Required Spend
$1,500
Time Frame
6 Months
Earning
Earning centers on a clean flat rate across all purchases, paid out as ThankYou Points when you buy and when you pay off your balance.
Everywhere
Rewards percent based on a valuation of 1.5¢ per ThankYou point
Benefits
Extended warranty
Should you apply and be approved for the Citi Double Cash® Card, more information will be provided in the Guide to Protection Benefits you receive with your card. Benefits are subject to terms, conditions, and limitations, including limitations on the amount of coverage. Coverage is provided by New Hampshire Insurance Company, an AIG company. Policy provides secondary coverage only.
Eligibility
Good credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Annual Fee
$0
Purchase APR
18.49% - 28.74%
Variable
Transfer APR
18.49% - 28.74%
Variable
Cash Advance APR
29.99%
Variable
Foreign Transaction Fee
3%
Balance Transfer
$5 or 3%
Cash Advance
$10 or 5%
Late Payment
$41
Return Payment
$41
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Recognition
75,000 Points
Worth $1,125
After you spend $6,000 on purchases on your new card in your first 3 months of card membership.
Annual Fee
$595
Rec. Credit
Excellent
80,000 Miles
Worth $1,120
After you spend $8,000 on purchases on your new card in your first 3 months of card membership.
Annual Fee
$695
Rec. Credit
Excellent
75,000 Miles
Worth $1,050
After you spend $5,000 on purchases on your new card in your first 5 months of card membership.
Annual Fee
$99
Rec. Credit
Excellent
