Citi Double Cash Card Review: Why we love this no annual fee card right now

This MasterCard offers 2% cash back with no caps or limits. 1% when you spend, 1% when you make a payment.

Written by : Updated On: July 21

The basics

Reward Rate:


All spends


Eligible card payments


It may take up to one additional billing cycle for cash back to appear in your ThankYou Account.

Key Features:

Annual Fee


Intro APR

0% intro APR on Balance Transfers for 18 months then variable APR will be 18.99% - 28.99%.

Regular APR

18.99% to 28.99%

Signup bonus


0% intro APR for 18 months on balance transfers (but must be made in the first four months of account opening.)

Redemption ways


Statement credit, direct deposit, or check.

Our Verdict

This is one of the best cash back cards that Citi currently offers. We love the approach of 1% back as you spend, 1% back as you pay off your balance. This encourages you to pay off your balance on time and not spend more than you can feasibly pay. There are also no spending caps or category restrictions, so there is no limit to how much cash back you can receive each year. This card is great for people that do not spend most of their money in one category like groceries. If you spend a little bit of money in different categories, you always get 2% back.

Best Suited for:


The everyday spender

This consumer relies on their credit card for everyday purchases. They want something that combines convenience, rewards, flexible credit limits, enhanced security, and robust online/mobile account management to create a seamless and rewarding experience. Think a straightforward cash-back card that earns 2% on all expenses. They want something that rewards everyday purchases, such as grocery runs, gas fill-ups and online shopping. Rewards that can help them deal with inflation.

No caps or category restrictionsForeign transaction fees
No annual feeNo sign on rewards bonus
Offers 2% cash back

Hidden perks

The biggest benefit of this card is getting 2% back on anything. Most cards incentivize certain categories, but you can use this card on just about any purchase to reap the benefits.

Comparing Citi® Double Cash with a similar card

Wells Fargo Active Cash®

Reward rate2.00%
Reward detailsEarn unlimited 2% cash rewards on purchases with no categories to track or quarterly activations
Intro Bonus:$200 Annual fee$0
Regular APR20.24% - 29.99%
Read full review

Citi® Double Cash

Reward rate2.00%
Reward detailsEarn cash back on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases
Intro Bonus:NA Annual fee$0
Regular APR18.99% - 28.99%
Read full review

Beyond the basics

Balance Transfer Intro APR

0% for 18 months

Cash Advance APR


Foreign Transaction fee

3% of each purchase in U.S. dollars

Loan APR

14.24% to 24.24%

Late Payment fee

up to $40

Penalty APR


Credit Score required


What we like about this card?

When it comes to the Citi Double Cash credit card, it stands out for a variety of features:

1. Double Cash Back

One of the standout features of the Citi Double Cash Credit Card is its simple and lucrative cashback structure. Cardholders earn 1% cash back on all purchases when they make them and an additional 1% cash back when they pay for those purchases, effectively offering a total of 2% cash back on every dollar spent.

2. No Annual Fee

The absence of an annual fee makes this card an attractive option for individuals looking to maximize their cash back without incurring additional costs.

3. Versatility in Redemption

The earned cash back can be redeemed in various ways, providing flexibility to cardholders.

4. Citi Price Rewind

This feature offers price protection by automatically searching for lower prices on registered purchases. If a lower price is found within a certain timeframe, cardholders may be eligible for a refund of the price difference. This benefit provides additional savings and showcases Citi’s commitment to customer value.

5. Introductory APR Offer

The Citi Double Cash Credit Card often comes with a promotional APR offer, providing cardholders with an introductory period of 0% APR on balance transfers.

6. Worldwide Acceptance

Being a Mastercard, the Citi Double Cash Credit Card is widely accepted globally. This makes it a reliable companion for both domestic and international transactions, adding to its convenience and practicality for users who travel or make purchases from international vendors.


Drawbacks and considerations

On the other hand, there are some extra considerations to keep in mind when comparing the Citi Double Cash Card:

1. Balance Transfer Fee

While the Citi Double Cash Credit Card may offer a promotional 0% APR on balance transfers during an introductory period, it’s important to note that a balance transfer fee is applicable. This fee typically ranges from 3% to 5% of the transferred amount, reducing the immediate savings for individuals looking to consolidate debt.

2. Foreign Transaction Fees

The Citi Double Cash Credit Card charges foreign transaction fees on purchases made outside of the United States. This can add up, particularly for frequent international travelers, making it less favorable for those who regularly engage in overseas transactions.

3. No Sign-Up Bonus

Unlike some other credit cards in the market, the Citi Double Cash Credit Card does not offer a sign-up bonus. This absence of an initial reward or incentive might make it less appealing to individuals seeking immediate gratification or a boost in rewards at the outset of their card membership.

4. Variable APR

The APR on the Citi Double Cash Credit Card is variable, meaning it can fluctuate based on market conditions. Cardholders who carry a balance should be mindful of potential interest rate increases, as this could impact the overall cost of using the card over time.

5. Redemption Minimum

While the cashback rewards on the Citi Double Cash Credit Card are attractive, there is a minimum redemption threshold. Cardholders must accumulate a certain amount of cash back before they can redeem it, which could be a drawback for those who prefer more frequent, smaller redemptions.

6. Limited Bonus Categories

Unlike some rewards cards that offer bonus cash back in specific spending categories, the Citi Double Cash Credit Card provides a flat-rate cash back on all purchases. While the simplicity is a strength, individuals who spend heavily in specific categories like dining or travel may find other cards with category bonuses more lucrative.

7. No Introductory APR for Purchases

While the card offers an introductory 0% APR for balance transfers, there is no similar promotional offer for purchases. Individuals looking to make significant purchases and defer interest payments for an introductory period may need to consider other credit cards with this feature.

8. Customer Service Reviews

Some customer reviews indicate mixed opinions about Citi’s customer service. While some customers have positive experiences, others report challenges in resolving issues or accessing timely assistance.


Other Offers

Citi representatives are able to assist you whenever you need.

The card is contactless chip enabled, so you just have to tap it on the reader at checkout.

Make online checkouts easier and more secure with the digital wallet.

Citi monitors your account 24/7 and will alert you if there is unusual activity.

Get alerts if there is suspicious activity on information you choose to protect.

Citi will issue you a new card within 24 hours if you lose your wallet, as well as providing you wish emergency cash up to your cash advance limit.

You will never be held responsible for unauthorized purchases made on your account.

Get exclusive access to presale tickets and experiences with Citi Entertainment.

How to decide if this card is right for you

Deciding if the Citi Double Cash Credit Card is right for you involves considering various factors that align with your financial goals, spending habits, and preferences. Here’s a guide to help you determine if this card suits your needs:

1. Consider Your Spending Patterns

The Citi Double Cash Credit Card’s flat 2% cash back on all purchases is advantageous for individuals with diverse spending habits. If you prefer simplicity and don’t want to manage multiple cards with category bonuses, this card may be a good fit.

2. Evaluate Your Credit Score

The card generally requires a good to excellent credit score for approval. If your credit score falls within this range, you’re more likely to qualify. If your score is lower, you might explore other options.

3. Interest Considerations

If you plan to carry a balance, be mindful of the variable APR. Individuals who regularly carry balances might want to prioritize a card with a lower ongoing interest rate.

4. Assess Redemption Preferences

If you appreciate flexibility in how you redeem rewards, the Citi Double Cash Credit Card offers various options, including statement credits, direct deposits, or converting cash back into gift cards. Confirm that the redemption methods align with your preferences.

5. Minimum Redemption Threshold

Be aware of the minimum redemption amount. If you prefer more frequent, smaller redemptions, this could be a factor to consider.

6. Consider Foreign Transactions

If you frequently travel internationally, the foreign transaction fees associated with this card might impact its overall value. If you spend a significant amount abroad, you may want to explore cards with no foreign transaction fees.

7. Balance Transfer Needs

If you’re looking to consolidate debt, the introductory 0% APR on balance transfers can be beneficial. However, factor in the balance transfer fee and ensure it aligns with your debt repayment strategy.

8. Interest in Introductory Offers

If you’re enticed by sign-up bonuses or introductory APR offers on purchases, this card may not be the best fit, as it lacks these features.

9. Research Customer Reviews

Investigate customer reviews and experiences with Citi’s customer service. If prompt and effective customer support is crucial to you, feedback from existing cardholders can provide insights.


Pair this card with:

Citi Premier Card


We recommend pairing this card with the Citi Premier Card. It offers higher rewards on travel, dining, and entertainment purchases which complement the Citi Double Cash Card’s everyday spending perks. Together they give you a robust rewards system.

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1. Access Your Account Online: Log in to your Citi account online. If you don’t have an online account, you’ll need to set one up. This can usually be done on the Citi website or through the mobile app.

2. Navigate to the Rewards Section: Once logged in, navigate to the rewards or cash back section of your account.

3. Choose Redemption Method: Select your preferred redemption method:

4. Statement Credit: Apply your cash back as a credit to your account balance.

5. Direct Deposit: Have the cash back amount deposited directly into your linked bank account.

6. Check: Request a check for the cash back amount.

7. Gift Cards: Convert your cash back into gift cards for popular retailers.

8. Verify Redemption Details: Review the details of your redemption and ensure that the information is accurate.

9. Complete the Redemption: Follow the prompts to complete the redemption process.

10. Confirmation: Once the redemption is processed, you should receive a confirmation.

11. Monitor Your Account: Keep an eye on your account to ensure that the cash back redemption reflects accurately. The credited amount should be visible on your statement or account summary.

No, as long as your account remains open and in good standing.

The credit limit for the Citi Double Cash Credit Card is not fixed and can vary based on several factors, including your creditworthiness, income, and other financial information. When you apply for the card, Citi will evaluate your credit history and financial profile to determine the appropriate credit limit.