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How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.
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Advertising Disclosure

LendingTree is an advertising-supported comparison service. The site features products from our partners as well as institutions which are not advertising partners. While we make an effort to include the best deals available to the general public, we make no warranty that such information represents all available products. We are compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order).
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American Express Disclosure

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Citi Double Cash® Card Review

LendingTree's Review

How LendingTree Rates Credit Cards?

Our experts rate credit cards based on several factors including card benefits, bonus offers and independent research. Credit card issuers do not influence or have a say in our card ratings. Read our credit card methodology here.
4.8
Citi Double Cash<sup>®</sup> Card
Intro BT APR
0% for 18 months on Balance Transfers
Rewards Rate
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, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
Regular Purchase & BT APR
19.24% - 29.24% (Variable)
Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It was not reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

Our take: The Citi Double Cash® Card is a solid cash back credit card that also has an attractive balance transfer option.

Pros and cons

  • Great flat-rate rewards
  • Long intro APR period for balance transfers
  • $0 annual fee
  • Access to Citi Entertainment®
  • Ability to use your cash back as ThankYou® points and transfer to partners
  • 3% foreign transaction fee
  • No intro APR period for purchases
  • You don’t earn 2% back immediately
  • Minimal perks

Is the Citi Double Cash® Card a good card?

Citi is an advertising partner.
The Citi Double Cash® Card is a great option for people that want a simple and flat earnings rate on all purchases without having to worry about earning different amounts in different spending categories. While the Citi Double Cash® Card doesn’t come with a lot of other perks, it does have a $0 annual fee and earns cash back at a high rate.

Plus, the cash back that you earn is paid in the form of valuable Citi ThankYou® points. You can redeem your ThankYou® points as cash or transfer them to Citi’s hotel and airline transfer partners. The Citi Double Cash® Card also comes with a good balance transfer offer, so it can be a great option for someone looking to pay down a balance on another card.

Quick facts

    • 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, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
    • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, 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).
  • Recommended Credit
    Credit scores ranges may vary. Your individual chance at approval may vary due to factors such as creditors using a particular variation at their discretion
  • 600 660 720 850
    Fair/Good/Excellent
  • Works with digital wallets including Apple Pay, Google Pay and Samsung Pay
  • If you’ve lost your card, Citi can usually replace it within 24 hours
  • 24-hour fraud protection (alerts if Citi spots unusual activity on the account)
  • Citi Identity Theft Solutions

Intro Purchase APR

N/A

Regular Purchase APR

19.24% - 29.24% (Variable)

Intro BT APR

0% for 18 months on Balance Transfers

Regular BT APR

19.24% - 29.24% (Variable)

Annual Fee

$0

Cash Advance Fee

5% of each cash advance; $10 minimum

Foreign Transaction Fee

3%

Balance Transfer Fee

There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. A balance transfer fee of 5% of each transfer ($5 minimum) applies if completed after 4 months of account opening.

Benefits of the Citi Double Cash® Card

  • One of the highest earning, flat-rate rewards cards

    Unlike some other credit cards that offer different earning rates in different spending categories, the Citi Double Cash® Card has a flat-rate earning structure, where you will 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, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24. This is one of the highest rates of cash back you can get for a card with no annual fee.

  • Rewards are easy to redeem

    The rewards that you earn with the Citi Double Cash® Card are fairly easy to redeem as well. Although it’s marketed as a cash back card, your rewards are actually paid out as 2 Citi ThankYou® points per $1 spent, rather than 2% cash back. You can redeem your ThankYou® points for:

    • Cash back as a statement credit
    • Direct deposit
    • Check
    • Travel
    • Transfer to a few of Citi’s hotel and airline partners
    • Merchandise, gift cards and more

    There are no minimums when you redeem your rewards for a statement credit or direct deposit.

  • You can transfer rewards to other Citi cards

    The rewards that you earn with the Citi Double Cash® Card are actually paid out in Citi’s valuable transferable currency — ThankYou® points. With just the Double Cash card, you can transfer your points to Choice Hotels, Wyndham Rewards and JetBlue TrueBlue. But if you also have a premium Citi credit card like the Citi Premier® Card, you’ll get a better transfer ratio with these partners and unlock many other hotel and airline transfer partners.

    In fact, the Citi Premier® Card and Citi Double Cash® Card make a powerful duo, thanks to their complementary earning categories. This makes the Citi Double Cash® Card one of Citi’s best kept secrets for travel card enthusiasts.

  • Long intro APR for balance transfers

    One of the benefits that comes with the Citi Double Cash® Card is its long intro APR on balance transfers. You’ll get an intro APR of 0% for 18 months on Balance Transfers. After, a 19.24% - 29.24% (Variable) APR applies. The long intro period makes Citi Double Cash® Card one of the best balance transfer cards. It’s an attractive option if you’re looking to save money by transferring a balance from another credit card.

Drawbacks of the Citi Double Cash® Card

  • You don't earn 2% cash back immediately

    With the Citi Double Cash® Card, you don’t earn the 2% cash back immediately when you make a purchase. Instead, you’ll earn unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. You don’t get the second half of your cash back until you pay what you’ve charged to the card. You’ll also forfeit the additional 1% when you redeem rewards for statement credits. As a comparison, the Wells Fargo Active Cash® Card earns unlimited 2% cash back on all purchases right away.

  • No intro APR for purchases

    While this card has an introductory APR on balance transfers, it lacks a 0% intro APR for new purchases. Many balance transfer credit cards, including the Wells Fargo Active Cash® Card, offer an introductory APR on both purchases and balance transfers. In other words, the Citi Double Cash® Card isn’t the best choice if you have a big purchase coming up.

  • Charges a foreign transaction fee

    Because the Citi Double Cash® Card charges a 3% foreign transaction fee, you’ll want to leave it at home when traveling outside the United States. Opt for a card with no foreign transaction fee instead.

  • Few other benefits

    The Citi Double Cash® Card is light on benefits outside its rewards program, especially when compared to similar cards. For example, the Chase Freedom Unlimited® card also has a flat-rate earning structure and offers purchase protection, extended warranty protection, car rental insurance and various trip and travel insurances.

Alternative to the Citi Double Cash® Card

| Disclosures
Wells Fargo Active Cash® Card*
Wells Fargo Active Cash® Card
Learn More
on Wells Fargo's secure site
0% intro APR for 15 months from account opening
20.24%, 25.24%, or 29.99% Variable APR
$0
Earn unlimited 2% cash rewards on purchases
  • Select “Apply Now” to take advantage of this specific offer and learn more about product features, terms and conditions.
  • Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months.
  • Earn unlimited 2% cash rewards on purchases.
  • 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers. 20.24%, 25.24%, or 29.99% Variable APR thereafter; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5.
  • $0 annual fee.
  • No categories to track or remember and cash rewards don't expire as long as your account remains open.
  • Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature® Concierge.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
660 720 850
Good/Excellent
*The information related to the Wells Fargo Active Cash® Card has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply

How Does LendingTree Get Paid?

LendingTree is compensated by companies on this site and this compensation may impact how and where offers appears on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

The Wells Fargo Active Cash® Card offers a similar rewards rate to the Citi Double Cash® Card, but exceeds it in almost every way.

The Wells Fargo Active Cash® Card has no annual fee and lets you earn unlimited 2% cash rewards on purchases. It also offers a sign-up bonus and an introductory APR on both balance transfers and new purchases. Plus, it has cellphone protection of up to $600. Not to mention, it pays the 2% cash back as soon as you make a purchase, rather than making you wait for half of your rewards. This may make the Wells Fargo Active Cash® Card an all-around better option for simple, flat-rate cash back.

Is the Citi Double Cash® Card right for you?

If you want to earn cash back on new purchases without rotating categories, the Citi Double Cash® Card has one of the best flat-rate cash back programs on the market. Additionally, this card is a good option if you have credit card debt and need a while to pay it off interest-free by means of a balance transfer. If you’re looking for similar cash back credit cards, you can also consider the Wells Fargo Active Cash® Card as another card that earns 2%.

Learn More
on Citibank's secure site

Frequently asked questions

Yes, the Citi Double Cash® Card does have foreign transaction fees. You’ll be charged a foreign transaction fee of 3% for each purchase made in a foreign country. If you’re planning on traveling out of the country, you should use a different credit card to make your purchases.

Citi Double Cash® Card rewards are issued as Citi ThankYou points. Your ThankYou points do not expire as long as your account remains open. If you close your account, or convert it to another Citi card that does not participate in the ThankYou points program, you’ll have 60 days to use your points.

No, the Citi Double Cash® Card does not have an annual fee. This can make it a great card to keep for the long term.

No, the Citi Double Cash® Card does not have any sort of rental car or travel insurance. The Citi Double Cash® Card is a very basic card with no annual fee and a high rate of cash back on all purchases, but very few other benefits.

No, there is no extended warranty that comes from making purchases with the Citi Double Cash® Card. If you’re looking for a card that comes with an extended warranty, you’ll want to consider our list of the best cards with extended warranty protection.

Because the Citi Double Cash® Card is a very basic credit card, it does not come with an extensive list of benefits. So there is no additional credit card purchase protection when making purchases with the Citi Double Cash® Card.

Whether you are approved or not for the Citi Double Cash® Card will depend on many different factors, including your credit score, income and other aspects of your overall financial profile. You are likely to need Fair/Good/Excellent credit to be approved for the Citi Double Cash® Card.

The Citi Double Cash® Card is issued as a Mastercard. You can use your Citi Double Cash® Card anywhere the Mastercard payment network is accepted.

The information related to the Chase Freedom Unlimited® has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

The information related to the Citi Double Cash® Card has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.