View OfferSecure site · Updated July 2026
- Intro bonus
- $200 after $1,500 spend
- Rewards rate
- 2% cash back
- Annual fee
- $0
- Intro APR
- 0% transfers, 18 mo
Why it stands out
Citi Double Cash highlights
- 1% back at purchase plus 1% when you pay the bill
- No annual fee on any level of spending
- 0% intro APR on balance transfers for 18 months
- Convert cash back to ThankYou points for transfer partners
The verdict at a glance
Pros and cons
Pros
- Effective 2% flat rate with no categories to track
- Long balance-transfer window for paying down debt
- Pairs well with other Citi cards to unlock transfers
Cons
- You only earn the second 1% after you actually pay
- No intro APR on new purchases
- 3% foreign transaction fee limits travel use
Our full review
Our take on Citi Double Cash
This card splits its 2% in two: 1% when you buy and another 1% when you pay it off, which nudges you toward clearing the balance. There is no annual fee and rewards can convert to transferable ThankYou points.
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Figures shown are illustrative editorial examples and may change. Confirm current rates, fees, and terms on Citi Double Cash’s own site before you apply.
The alternatives
How Citi Double Cash compares
Other top-rated cards in Credit Cards. Compare the numbers side by side before you decide.
| # | Provider | Rating | Intro bonus | Best for | |
|---|---|---|---|---|---|
| 1 | Chase Sapphire Preferred | 60,000 points | Travelers who want outsized point value | View Offer | |
| 2 | Capital One Venture Rewards | 75,000 miles | Flat-rate earners who hate juggling categories | View Offer | |
| 3 | Discover it Cash Back | Cashback Match year 1 | Category chasers who want zero fees | View Offer | |
| 4 | Wells Fargo Active Cash | $200 cash | People who want 2% on every purchase | View Offer |
- Chase Sapphire Preferred4.9Best for Travelers who want outsized point value
- Capital One Venture Rewards4.7Best for Flat-rate earners who hate juggling categories
- Discover it Cash Back4.6Best for Category chasers who want zero fees
- Wells Fargo Active Cash4.4Best for People who want 2% on every purchase