Citi Double Cash® Card: Simple, Unlimited 2% Cashback with Great Perks

The Citi Double Cash® Card is a top choice for those seeking a straightforward, high-reward cashback credit card. With unlimited 2% cashback—1% when you buy and 1% as you pay—this card offers excellent value with no annual fee. Plus, it includes a $200 welcome bonus for new cardmembers and a special cashback offer for travel bookings through the Citi TravelSM Portal. Here’s everything you need to know about the Citi Double Cash, a highly versatile credit card.

Key Features

Unlimited 2% Cashback

The Citi Double Cash Card’s hallmark feature is its 2% cashback structure:

• 1% cashback when you make purchases.
• 1% cashback when you pay for those purchases (as long as you meet the minimum payment).

This flat-rate cashback applies to all purchases with no caps or categories, making it a hassle-free way to maximize rewards on everyday spending.

Special Travel Cashback Offer

Through December 31, 2025, cardholders earn an additional 3% cashback (for a total of 5%) on:

• Hotel bookings.
• Car rentals.
• Attractions booked through the Citi TravelSM Portal.

This offer enhances the value of the card for travelers looking to save on their trips.

Reward Redemption Options

Your cashback is earned in the form of ThankYou® Points, which can be redeemed for:

• Direct deposit into any checking or savings account.
• Statement credit to offset your card balance.
• Check by mail (minimum redemption of $5).

With no minimum redemption requirements for statement credits or direct deposits, accessing your rewards is easy and flexible.

Introductory APR Offer

The card includes a 0% Intro APR for 18 months on balance transfers, making it an excellent option for consolidating debt. After the intro period, the APR ranges from 18.49% to 28.49% variable based on creditworthiness.

Important Notes:

• Balance transfers must be completed within four months of account opening.
• Intro balance transfer fee: 3% (minimum $5). After four months, the fee increases to 5% (minimum $5).
• Purchases do not qualify for the introductory APR.

Benefits of the Citi Double Cash Card

No Annual Fee

Enjoy all the perks of this card without any annual fee, ensuring that every dollar of cashback goes straight to your wallet.

No Rotating Categories

Unlike other cashback cards that require activating quarterly bonus categories, the Citi Double Cash Card keeps it simple with 2% cashback on every purchase.

Wide Acceptance

As a Mastercard, the Citi Double Cash Card is widely accepted worldwide, offering convenience and flexibility wherever you go.

Drawbacks

No Intro APR on Purchases

While the card offers an excellent balance transfer intro APR, it doesn’t extend this benefit to purchases, which may be a downside for those looking to finance big-ticket items.

Foreign Transaction Fees

A 3% foreign transaction fee applies, making it less ideal for international travel. For frequent travelers abroad, other cards with no foreign transaction fees might be a better fit.

How the Citi Double Cash Stacks Up Against Competitors

Citi Double Cash® Card vs. Wells Fargo Active Cash® Card

• Welcome Bonus: Citi offers $200 after spending $1,500 in six months; Wells Fargo offers $200 after spending $500 in three months.
• APR: Wells Fargo provides a 0% intro APR for 15 months on purchases and balance transfers.
• Foreign Transaction Fees: Wells Fargo has none, giving it an edge for international travelers.

Citi Double Cash® Card vs. Discover it® Cash Back

• Rewards Rate: Discover offers 5% cashback in rotating categories (up to a quarterly limit) and 1% on all other purchases, while Citi provides a consistent 2%.
• Sign-Up Bonus: Discover matches all cashback earned in the first year, potentially surpassing Citi’s $200 bonus for high spenders.
• Foreign Transaction Fees: Discover has none, making it better for international use.

Is the Citi Double Cash® Card Right for You?

The Citi Double Cash Card is perfect for:

• Everyday spenders who want a simple, flat-rate cashback card without worrying about categories or caps.
• Balance transfer seekers looking to consolidate debt with a generous 18-month 0% intro APR.
• Travelers who can take advantage of the 5% cashback offer through the Citi TravelSM Portal.

However, if you frequently travel internationally or want more versatile cashback redemption options, other cards might be a better fit.

Final Thoughts

The Citi Double Cash® Card combines simplicity, value, and no annual fee, making it a fantastic option for cashback enthusiasts. While it lacks some perks like foreign transaction fee waivers or an intro APR on purchases, its unlimited 2% cashback and easy redemption options make it a standout choice.

Apply today to start earning rewards effortlessly and take advantage of the $200 sign-up bonus!