Citi Double Cash® Card

Mastercard Cash Back Rewards Travel Balance Transfer No Annual Fee Gas Dining

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Credit Score

680 850

Good - Excellent

Apply Now On Citi's secure website Terms apply. Approval is not guaranteed.

Intro Offer

$200 cash back

Annual Fee

Rewards Rate

Up to 5%

Foreign Fee

Purchase APR

N/A

Balance Transfer APR

0% for 18 mo

Regular APR

17.49% - 27.49% (Variable)

Rates & fees apply. View the Rates & Fees.

Editor's Take

CardCompareHub editorial

Editorial Note: This analysis reflects CardCompareHub's independent review. It has not been reviewed, approved, or endorsed by Citi.

Double Cash earns an effective rate of 2% on every purchase — half when you buy, half when you pay — with no annual fee, a welcome bonus, and a long 0% intro APR on balance transfers. Plus an elevated rate on hotel, car rentals, and attractions booked through Citi Travel.

For flat-rate cash back, this is the card to benchmark others against. The effective 2% rate matches the Fidelity Visa (which requires a Fidelity account) and the Wells Fargo Active Cash, and beats most other no-fee competitors. The split structure (earn on purchase + earn on payment) is mildly annoying — you don't get the full rate until you've paid the balance, which slightly reduces rewards velocity. The 0% on balance transfers is among the longest with no purchase-APR window, which makes this card a dual-purpose tool: long-term cash-back driver plus balance-transfer parking spot.

Card Details

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 17.49% - 27.49%, 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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Citi Double Cash® Card

Ready to apply? Visit the issuer's secure site.

Apply Now On Citi's secure website Terms apply. Approval is not guaranteed.

Rates & fees apply. See issuer's website for full terms and conditions.