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Citi® Double Cash Card

Credit Card Offer from our Partner
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using Citi's secure application
Annual Fee  $0

Earning Rewards

  • 2% Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Why We Like It

If you’re looking for a cash-back credit card with no annual fee and you don’t want to worry about category bonuses and figuring out the best credit card to use for each purchase, the Citi Double Cash Card may very well be the right card for you.

Top Benefits

  • • Cash back as a check, statement credit or deposit into your banking account
  • • Intro 0% APR for 18 months on balance transfers (then a variable APR of 13.99% - 23.99% applies)

More Information

  • 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.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • 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 a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
  • 13.99% - 23.99% (Variable)
  • $0
  • 3% of each balance transfer; $5 minimum.
  • Excellent
Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

The Citi Double Cash Card is a great card for people who like straightforward cash back and don’t want to pay an annual fee. You get 2% cash back on all purchases (1% when you buy, 1% as you pay). It’s a good card to pair with another travel card so you can maximize your spend in every category.

Essential Reading

Simple and rewarding: Citi Double Cash Card review
Best cash-back credit cards for January 2021

Citi® Double Cash Card

Point Value
1.7 cents
X
There isn’t a strict mathematical formula at work here. At some point we’d like to create a system that could calculate a precise value based on award availability, fees, award levels and ease of accrual, but for now these valuations are based on a combination of how much TPG would pay to buy points if given the opportunity, and the overall value I could get from redeeming them.
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Editorial Note: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.