Citi

Citi Double Cash Card Review

Editorial review

CITI

Annual FeeNo annual fee
Welcome BonusSee current issuer offer
Credit ProfileGenerally aimed at consumers with stronger credit profiles. Approval depends on the issuer's underwriting criteria.
Foreign FeesSee current issuer terms

View Current Offer

You'll be redirected to Citi's website. Review current terms, rates, fees and eligibility requirements before applying.

Pros

Flat rate on everything — no categories to track
No annual fee
Two-part earning structure incentivizes paying your balance
Can convert to Citi ThankYou Points

Cons

Foreign transaction fee may apply — see issuer terms
Minimal travel benefits
Signup bonus availability varies by offer

Rewards Breakdown

11% cash back when purchases are made
2Additional 1% cash back when those purchases are paid
32% total cash back on all purchases under this structure
45% cash back on eligible hotels, car rentals and attractions booked through Citi Travel

CredNavid Review

The Citi Double Cash Card is a simple, straightforward cash back card. Earn 1% when you make a purchase and an additional 1% when you pay it back, for a total of 2% on all spending — no categories, no caps, no rotating bonuses to track. The card also earns 5% cash back on eligible hotels, car rentals and attractions booked through Citi Travel. For someone who wants solid value without any complexity, it's a strong default recommendation.

The Two-Part Earning Structure

The Double Cash earns rewards in two parts — 1% when you make a purchase and an additional 1% when you pay your balance. This structure subtly incentivizes responsible credit use — you only earn the second portion when you actually pay down what you owe.

ThankYou Points Conversion

Cash back can be converted to Citi ThankYou Points, which may then be transferred to airline partners for potentially higher value. This makes the Double Cash a potential entry into the Citi travel ecosystem. Refer to Citi's current program terms for conversion details.

Bottom Line

A strong flat-rate cash back card. If you want a simple flat-rate rewards structure, this may be a card to consider. Terms and offers may change. Verify current details directly with the issuer before applying.

Card Details

Full details for Citi Double Cash Card
Annual Fee	No annual fee
Welcome Bonus	See current issuer offer
Regular APR	See current issuer terms
Rewards Program	Citi Cash Back / ThankYou Points
Foreign Transaction Fee	See current issuer terms
Credit Profile	Generally aimed at consumers with stronger credit profiles. Approval depends on the issuer's underwriting criteria.

Have questions about credit cards? Visit our Frequently Asked Questions for general guidance on credit scores, applications, and choosing a card.

Ready to Apply?

Terms and offers may change. Verify current details directly with the issuer before applying.

View Current Offer

You'll be redirected to Citi's website. Review current terms, rates, fees and eligibility requirements before applying.

Our Methodology Editorial Policy

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