Citi Double Cash
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Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
View OfferEarn $200 cash back after spending $1,500 in the first 6 months.
Benefits and fees last verified Jun 2026against the issuer's published terms.
The OG flat 2% card. Pairs with Custom Cash + Premier to form Citi's trifecta, turns your combined cash back into transferable ThankYou Points. Rock solid for non-bonus spend.
Earning Rates
At a glance
- 2% everywhere
- No annual fee
- Pairs with TY Premier
- Simple earning
Important considerations
- Charges foreign transaction fees
This card adds a foreign transaction fee on purchases made outside the United States, so it is a poor fit for spending abroad. Carry a no foreign transaction fee card for international trips.
Based on this card's terms last verified Jun 2026.
Earning rates
3- 2%
Earn 2% cash back on every purchase with unlimited rewards: 1% when you buy and an additional 1% when you pay for those purchases (you must pay at least the minimum due on time each statement period for the 'pay' portion of the rewards to post; rewards on the 'pay' side accrue based on payments applied to qualifying purchases)
- 5xlodging
Limited-time boost: earn 5X ThankYou Points on hotels, car rentals, and attractions booked through CitiTravel.com through 12/31/2026 (5% effective rate when redeemed as cash; this is a temporary boosted earning tier that overrides the base 2% on those Citi Travel categories)
- 1x
Rewards are technically issued as ThankYou Points at the rate of 1 point per dollar when you buy and 1 point per dollar when you pay (totaling 2 points per dollar on the base earn) and can be redeemed at 1 cent per point as cash, statement credit, direct deposit, or check (per Citi's ThankYou Rewards program rules)
Statement credits
1- $25Cash redemption minimum
Cash redemption minimum: $25 minimum to redeem ThankYou Points as a check, statement credit, or direct deposit; gift card redemptions and merchandise redemptions are available at various minimums in the ThankYou portal
Perks & memberships
4- Authorized users$0 annual fee on the primary card and on authorized users; Citi does not charge an annual fee on the Citi Double Cash Card
- RedemptionThankYou Points earned on Citi Double Cash do not expire as long as the account remains open and in good standing (per Citi's ThankYou Rewards program rules); however, if your account is closed, you typically have 60 days to redeem remaining points before they are forfeited
- ExperiencesCiti Entertainment: complimentary access to presale tickets and special experiences for concerts, sporting events, dining, and live performances; benefit is shared across all Citi credit cards (the program lists curated event presales months in advance, but specific availability varies by market)
- Authorized usersAuthorized users may be added at no additional annual fee and earn rewards back to the primary cardmember's account; the primary cardmember is responsible for all charges made by authorized users
Travel & purchase protections
2- $0 fraud liability: you are not liable for unauthorized charges made with your card, per Citi's Zero Liability policy (standard across all Citi consumer credit cards)
- Citi Identity Theft Solutions: complimentary identity theft assistance provided through Citi at no additional cost; specialists help you cancel cards, contact credit bureaus, and resolve fraudulent activity if your identity is stolen (this is an assistance service, not insurance reimbursement)
More benefits & fine print (4)ShowHide
- Foreign transaction fees: 3% of each purchase transaction in U.S. dollars, charged on transactions made outside of the United States or with merchants located outside the U.S.; this makes the Citi Double Cash a poor choice for international travel spend (per Citi's pricing terms and Bankrate's independent review)
- Network: most current Citi Double Cash Cards are issued on the Mastercard World Elite network (older accounts may have been issued as Mastercard World tier and not been upgraded); World Elite cardholders may access Mastercard's Priceless Specials and Lyft promotional credits, but these are network-level perks, not Citi-specific guarantees
- Account alerts: customizable text and email alerts for purchases, payments, statement availability, balance thresholds, and suspicious activity, configurable in the Citi Mobile App and online account
- Choose Your Payment Due Date: Citi allows you to pick a payment due date that fits your billing cycle, configurable through online account servicing
Before you decide, weigh alternatives
This is already one of the lower-fee cards in its category. Compare it side by side to confirm it is the right fit for how you spend.
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Transfer Partners
Full guide →Citi ThankYou points transfer to these loyalty programs. Or start from your balance and see what a points balance can book:
How to Earn the Bonus
Spend $1,500 in the first 6 months to earn the $200 cash back bonus.
See the Current Offer
Earn $200 cash back
View OfferAffiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.
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