Citi Double Cash Card
Earn up to 2% on everything — 1% when you buy and 1% as you pay — with no annual fee and a long balance-transfer offer.
Why it ranks
- No annual fee
- 2% flat rewards
- Strong balance transfer
What holds it back
- 3% foreign fee
- Need to pay on time to earn the second 1%
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
Earn up to 2% on everything — 1% when you buy and 1% as you pay — with no annual fee and a long balance-transfer offer.
Citi Double Cash Card at a glance
| Issuer | Citi |
| Card network | Mastercard |
| Annual fee | No annual fee |
| Welcome bonus | Cash back welcome offer |
| Rewards rate | 1% when you buy + 1% when you pay = up to 2% on all purchases |
| Intro APR | 0% intro APR on balance transfers for 18 months |
| Regular APR | 18.24%–28.24% variable |
| Foreign transaction fee | 3% |
| Credit needed | Good (690+) |
| Best for | Flat-rate maximizers and debt payoff |
| Airport lounge access | No |
Rewards & benefits
- Effective 2% flat rate
- Long balance-transfer window
- Points convertible to ThankYou travel
Eligibility & who it suits
- Good credit score
How to apply
Check current rates on Citi’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar USA cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | CCitiDouble CashNo annual fee · US Citi Double Cash CardFlat-rate maximizers and debt payoff |
None | 1% when you buy + 1% when you pay = up to 2% on all purchases | Cash back welcome offer | 3% | Good (690+) | |
| 2 | CChaseFreedom UnlimitedNo annual fee · US Chase Freedom UnlimitedEveryday spenders who want simple cash back and pair it with Chase points |
None | 5% travel via Chase, 3% dining & drugstores, 1.5% all other purchases | Extra cash back in the first year on bonus spend | 3% | Good (690+) | |
| 3 | AEAmerican ExpressBlue Cash Preferred$95/yr · US Blue Cash Preferred Card from American ExpressFamilies with high grocery and streaming spend |
$95/yr | 6% U.S. supermarkets (up to $6k/yr), 6% select U.S. streaming, 3% transit & U.S.… | Statement-credit welcome offer | 2.7% | Good to Excellent (700+) | |
| 4 | CChaseFreedom FlexNo annual fee · US Chase Freedom FlexPeople who can track and activate rotating 5% categories |
None | 5% rotating quarterly categories (activation required), 5% travel via Chase, 3%… | Cash bonus after the minimum spend | 3% | Good (690+) |
Reader reviews
No reader reviews yet. Have this card? Share how it has worked for you.
Write a review
Reviews appear after moderation.
Comments & Questions (0)
No comments yet — be the first to ask. Comments appear after review.
Leave a comment
Your comment appears after our team approves it. Or sign in to post faster.