Earn Cash on Everything with Citi® Double Cash
Get up to 2% back—1% when you buy and 1% when you pay. No annual fee, just simple cashback.
Why Choose Citi® Double Cash Card?
✅ 💳 Earn 2% Cashback on Everything
Get 1% cash back when you buy and 1% when you pay—no complicated categories, just simple rewards.
✅ 📱Easy to Use & Track
Track spending and rewards easily via Citi mobile app and dashboard. Stay in control 24/7.
✅ 💡Flexible Payment Options
Pay in full or over time. With low interest and no gimmicks, it's easy to stay financially healthy.
✅ 🚫 No Annual Fee, Ever
Enjoy premium card benefits with no annual fee. Save money while earning cash back year-round.
✅ 🌍Accepted Worldwide with Mastercard®
Shop with confidence anywhere Mastercard® is accepted—online, in-store, and internationally.
✅ 🔁0% Intro APR on Balance Transfers
Transfer high-interest balances and enjoy 0% intro APR for 18 months—save big on interest charges.
Citi® Double Cash Card
Double the Rewards with Every Purchase
Earn 2% cashback—1% when you buy and 1% when you pay. Enjoy simple rewards with no annual fee, and manage everything easily through the Citi® Mobile App.
Citi® Double Cash Card – Key Features at a Glance
🔹 Flat 2% Cashback: 1% when you buy + 1% when you pay
🔹 Annual Fee: $0
🔹 Intro APR: 0% for 18 months on balance transfers
🔹 Regular APR: 19.24% – 29.24% Variable
🔹 Foreign Transaction Fee: 3%
🔹 Rewards Structure: Simple, no categories
🔹 Network: Mastercard® – accepted worldwide
🔹 Best For: Everyday spending & balance transfers
Pros ( Pro Arguments)
✅ 2% cashback on everything (1% + 1%)
✅ No annual fee, ever
✅ 0% Intro APR for 18 months on balance transfers
✅ Mastercard® accepted globally
✅ Easy to manage via the Citi Mobile App
Cons ( Contra Arguments)
❌ No signup bonus for new users
❌ Balance transfer fee applies (3%)
❌ Foreign transaction fee: 3%
❌ No cashback boost categories
🟩 Who Should Use The Citi® Double Cash Card?
✅ You want unlimited flat-rate cashback on all purchases
✅ You prefer a card with no annual fee ever
✅ You don’t want to worry about bonus categories
✅ You plan to pay in full to earn both stages of cashback
✅ You want a 0% intro APR period for balance transfers
✅ You frequently shop where Mastercard® is accepted
✅ You’re looking for a card that’s easy to manage via app
✅ You want simple rewards without spending limits or tiers
🙋♂️ Frequently Asked Questions (FAQs)
Does the Citi® Double Cash Card have an annual fee?
No, the card has no annual fee, so you can earn rewards without paying to keep the card.
How does the cashback system work?
You earn 1% cash back when you make a purchase and another 1% when you pay, totaling 2% cash back on every purchase.
Is there a 0% intro APR offer?
Yes, the card offers 0% intro APR for 18 months on balance transfers. After that, a variable APR applies.
Can I use this card internationally?
Yes, it’s a Mastercard®—accepted worldwide both online and in-store. However, a 3% foreign transaction fee applies.
Does it offer any signup bonus?
No, this card does not offer a welcome bonus, but the unlimited cashback makes up for it.
✅ Recommended For:
✅ Want flat 2% cashback with no annual fee
✅ Prefer simple rewards with no bonus categories
✅ Plan to pay in full and manage via app
✅ Need 0% intro APR for balance transfers
✅ Use Mastercard® often when shopping
✅ Don’t want to track rotating categories
🛑 Not Recommended If:
❌ Want a big signup bonus
❌ Frequently transfer foreign currency (3% fee)
❌ Prefer high rewards on dining/travel/grocery
❌ Like rotating bonus categories or 5% cards
❌ Want multiple tiered cashback programs
❌ Spend mostly abroad and want no foreign fees
