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Citi Double Cash® Card
Everyday simplicity and maximum flat-rate cash back without tracking bonus categories.
Official Financial Terms & Fees
| Annual Fee | $0 |
| Base Earning Rate | 2% cash back (1% when you buy + 1% as you pay) |
| Welcome Bonus Offer | Earn $200 cash back after spending $1,500 on purchases in the first 6 months. |
| Regular APR | 18.49% - 28.49% Variable |
| 0% Intro APR Window | Purchases: N/A Balance Transfers: 0% intro APR for 18 months on Balance Transfers (then 18.49% - 28.49% variable) |
| Foreign Transaction Fee | 3% |
| Recommended Credit Score | Good to Excellent (670-850) |
| Official Bank Disclosure | Official Citi Website ↗ |
✓ Reasons to Choose Citi Double Cash® Card
- ✓ Effective 2% flat cash back on every purchase with no caps or category activations
- ✓ Redeem as cash back, direct deposit, statement credit, or convert to ThankYou® Points
- ✓ Generous 18-month 0% intro APR window on balance transfers
- ✓ No annual fee keeps recurring ownership cost at exactly zero
✕ Drawbacks to Keep in Mind
- ✕ 3% foreign transaction fee makes it costly for international travel
- ✕ No 0% intro APR on new purchases (only applies to balance transfers)
- ✕ Lacks high-multiplier bonus tiers for dining or everyday supermarket shopping
Head-to-Head Showdowns Involving Citi Double Cash® Card
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