Citi Double Cash Card Review

The basics

Balance transfer details

Intro APR


Intro Period

18 months


3% or $5 whichever is greater

Annual Fee


Regular APR

13.99% - 23.99% var

Credit Score Required


Good for: Flat-rate cash back rewards

Our verdict

The Citi Cash Back Card is a solid option if you’re looking for a lengthy 0% introductory APR period with an opportunity to earn 2% cash back on every purchase. But there’s no sign-up bonus, and the balance transfer fee could weigh you down.

Apply Now

Beyond the basics

  • Earn cash back twice on every purchase
  • 0% introductory APR for 18 months
  • No annual fee

Purchase APR


Cash Advance APR


Penalty APR

Up to 29.99%

Sign up Bonus


Foreign Transaction Fees


Late Fees

After 1 year, $40



Full review

Lender description The Citi Double Cash Card is one of few cards out there that rewards you for paying down your debt. The balance transfer card allows you to earn 1% cash back when you buy and another 1% as you pay down your balance.

Best used for

  • Paying off debt
  • Everyday spending

Pros & cons

  • 0% introductory APR for 18 months on balance transfers
  • Earn cash back twice on every purchase, as long as you pay the minimum on time
  • No annual fee
  • No caps or category restrictions on cash back
  • No sign-up bonus
  • No 0% introductory APR on new purchases
  • $25 minimum to redeem rewards
  • Balance transfer fee of $5 or 3% of the amount transferred, whichever is greater

Most suitable for

  • Consumers seeking hassle-free cash rewards on every purchase
  • Consumers who use a two-card strategy to maximize cash-back benefits
  • Consumers looking to pay down high-interest credit card debt

Card reward details The Citi Double Cash Card offers 2% cash back on every purchase, with 1% at the point of purchase and another 1% when you pay back those purchases. You can redeem your cash back as a statement credit, direct deposit, or check, or convert your rewards to ThankYou Points if you have at least $25 in rewards available at the time of redemption. You can use ThankYou Points to shop online at participating retailers (like Amazon), get gift cards, or make charitable donations.

How to apply Apply online or by phone at 1-877-645-3708. Existing Citi customers will have a shortened application.

Available The Citi Double Cash Card is available nationwide.

Balance transfer example If you have a balance of $6,200 with an APR of 15.09% and pay $200 toward the balance each month, you would pay off your debt in 40 months with a total interest of $1,706.62. If you transferred that balance and still paid $200 each month, you’d pay off your debt in 34 months with total interest and fees amounting to $572.31, based on the average regular APR.