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Pros & Cons
Pros
- +No annual fee
Cons
- –No purchase protection
Our Review
Unlock 2% Cash Back with the Citi Double Cash® Card
- 2% cash back on all purchases: 1% when you buy, plus 1% as you pay
- $200 cash back bonus after $1,500 in purchases within 6 months
- 0% intro APR on balance transfers for 18 months
- No annual fee
- 3% foreign transaction fee
Perfect for simplifying your rewards, the Citi Double Cash® Card delivers unlimited cash back on every dollar you spend and pay off. Redeem your ThankYou® Points as statement credits, direct deposits or checks—all tracked easily in the Citi mobile app. Plus, use the introductory 0% APR period to consolidate balances and save on interest.
Terms apply. Balance transfer fee: 3% of each transfer (min $5) within first 4 months, then 5% thereafter. Intro APR applies to transfers completed within 4 months of account opening. See full terms for details.
Rewards
All Spending
2x
Cash Back pts per dollar
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Points Earned
60,000
Cash Back/yr
Estimated Value
$600
After Fees
+$600
1st Year Value
$600
incl. welcome bonus
Breakdown
Terms & Conditions
Card Features
- 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, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.24% – 28.24%, 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).
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia USA may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Citibank. All trademarks are property of their respective owners.