Citi Double Cash

Earning Rates

Key Benefits

• 2% everywhere
• No annual fee
• Pairs with TY Premier
• Simple earning

All Benefits

• New cardmember welcome offer: earn $200 cash back after you spend $1,500 in purchases in the first 6 months of account opening; the $200 is fulfilled as 20,000 ThankYou Points (each point worth 1 cent when redeemed as cash), per Citi's product page (offer not available to existing or recent Citi Double Cash, Citi Custom Cash, or Citi Rewards+ cardmembers per Citi's terms)
• $0 annual fee on the primary card and on authorized users; Citi does not charge an annual fee on the Citi Double Cash Card
• 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)
• 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)
• 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)
• ThankYou Points earned on the Citi Double Cash can be converted 1:1 to airline and hotel transfer partners when you also hold a points-eligible Citi card (Citi Strata Premier, Citi Prestige, or the Citi Rewards+); without an eligible companion premium card, ThankYou Points from Double Cash can be redeemed at 1 cent each as cash but cannot directly transfer to airline partners (per The Points Guy and One Mile at a Time strategy guides)
• Citi ThankYou airline transfer partners accessible via a points-eligible companion card include American Airlines AAdvantage (1:1, U.S.-residents only, as of recent program changes), Air France/KLM Flying Blue, Avianca LifeMiles, Cathay Pacific Asia Miles, Choice Privileges, Emirates Skywards, Etihad Guest, EVA Air Infinity MileageLands, JetBlue TrueBlue (1:1 instead of the older 2.5:1 ratio for Premier cardholders on certain redemptions), Qantas Frequent Flyer, Qatar Privilege Club, Singapore KrisFlyer, Thai Royal Orchid Plus, Turkish Miles&Smiles, Virgin Atlantic Flying Club, and Wyndham Rewards (transfer ratios and active partners change; verify on the ThankYou portal before transferring)
• 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
• ThankYou 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
• Balance transfer intro offer: 0% intro APR on balance transfers for 18 months from date of first transfer; balance transfers must be completed within 4 months of account opening to qualify for the intro APR; after the intro period the standard variable APR applies (currently 18.24% to 28.24% variable based on creditworthiness per Citi's pricing terms as of 2026-05-22)
• Balance transfer fee: intro balance transfer fee of 3% of each transfer (minimum $5) for transfers completed within the first 4 months of account opening; balance transfers completed after 4 months are charged 5% of each transfer (minimum $5), per Citi's pricing and terms
• Purchases do not receive an intro 0% APR; the standard purchase APR applies from day one (variable 18.24% to 28.24% as of 2026-05-22). This is a balance-transfer-focused card, not a purchase-financing card
• 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)
• Citi 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)
• $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)
• 24/7 customer service via phone, chat, and the Citi Mobile App; the Citi Mobile App supports card lock/unlock, transaction alerts, dispute filing, and FICO Score access at no additional cost
• Digital wallet support: Apple Pay, Google Pay, Samsung Pay, and contactless tap-to-pay built into the chip card; virtual card numbers available through Citi's online account portal for safer online purchases
• Authorized 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
• 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
• Pre-qualification tool: Citi offers a soft-pull pre-qualification check on Citi.com that does not affect your credit score; useful for gauging approval odds before submitting a hard-pull application
• 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
• Citi Flex Pay: eligible cardmembers can convert qualifying purchases of $75 or more into fixed-rate, fixed-monthly-payment plans with no separate origination fee (APR varies based on creditworthiness and plan term)
• Choose Your Payment Due Date: Citi allows you to pick a payment due date that fits your billing cycle, configurable through online account servicing
• Cell Phone Protection: Not offered on Citi Double Cash (Citi removed cell phone protection from this card; The Points Guy and Bankrate reviews both note the absence of cell phone protection as a gap relative to competing 2% cash back cards like the Wells Fargo Active Cash)
• Purchase Protection / damage and theft coverage: Not offered on Citi Double Cash (Citi removed purchase protection from most of its consumer cards in 2019 and the benefit has not returned to Double Cash; this is a notable gap versus Chase and Amex cash back cards which still offer 90 to 120-day purchase protection)
• Extended Warranty Protection: Not offered on Citi Double Cash (Citi removed extended warranty from most of its consumer cards in 2019; the benefit is not listed on the current Citi Double Cash product page or Guide to Benefits)
• Trip Cancellation / Interruption Insurance: Not offered on Citi Double Cash (this is a $0 annual fee cash back card; trip cancellation insurance is reserved for Citi's premium travel cards like the Citi Strata Premier and the now-discontinued Citi Prestige)
• Trip Delay Reimbursement, Baggage Delay Insurance, and Lost Luggage Reimbursement: Not offered on Citi Double Cash (none of these travel insurance benefits are listed on the current Citi Double Cash Guide to Benefits)
• Rental Car Collision Damage Waiver (CDW) / Auto Rental Insurance: Not offered on Citi Double Cash (Citi eliminated rental car CDW from the Double Cash and most consumer cards in September 2019; you must purchase the rental company's CDW or rely on another card's coverage when renting a car)
• Travel Accident Insurance: Not offered on Citi Double Cash (not listed on the current Guide to Benefits)
• Lounge access, Priority Pass, Admirals Club, or Centurion Lounge access: Not offered on Citi Double Cash (this is a $0 annual fee cash back card; lounge access on Citi is reserved for the Citi Strata Elite, the now-discontinued Citi Prestige, and the AAdvantage Executive World Elite Mastercard)
• Annual travel credits, hotel credits, dining credits, Global Entry / TSA PreCheck application credit, or elite hotel status: Not offered on Citi Double Cash (none of these statement credit benefits are listed; reserved for Citi's premium portfolio)
• Concierge service: Not offered on Citi Double Cash at the issuer level (Citi removed its World Elite Concierge from the Double Cash in 2019; Mastercard World Elite cardholders may still access Mastercard's Priceless network concierge-style services where Mastercard provides them, but no Citi-branded concierge is offered)
• Rotating quarterly bonus categories and 5% category cards: Not offered on Citi Double Cash (the 5% rotating-category structure is the Citi Custom Cash Card model, which earns 5% on your top eligible spend category each billing cycle up to $500 in spend; Double Cash uses a flat 2% structure instead)

Citi ThankYou points transfer to these loyalty programs:

Turkish Miles&Smiles

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Air France/KLM Flying Blue

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Singapore KrisFlyer

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Cathay Asia Miles

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Avianca LifeMiles

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Qantas Frequent Flyer

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British Airways Avios

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