Citi Double Cash® Card
- Best for: Spenders who pay in full and want one rate on everything; moving a balance to 0% for 18 months
- What Sets It Apart: 1% on each purchase plus 1% when you pay for it; 18 months at 0% on balance transfers
- Cost: $0 annual fee; 18.49% to 28.74% variable APR; 3% balance transfer fee ($5 minimum) in the first 4 months, then 5%; 3% foreign purchase fee
- Features: $200 bonus after $1,500 in purchases in 6 months; 5 points per $1 on Citi Travel hotels, car rentals, and attractions; points worth 1 cent each as cash
- Pros: No categories or caps; long balance transfer intro; cash redemptions in any amount
- Cons: No intro APR on purchases; 3% foreign purchase fee; purchases accrue interest while a transferred balance remains
Get the Citi Double Cash® Card if you pay your bill in full each month and want 2% back on every purchase, with no annual fee and no categories to track. Use another card abroad, where it adds a 3% fee to each purchase, or when you need 0% interest on new purchases.
The card pays its 2% in two halves, 1% on each purchase and 1% more when you pay for it, as Citi ThankYou points worth a cent each in cash back. Citi stopped taking applications for its Custom Cash Card on May 28, 2026, and its closure notice sends anyone who wants a cash back card to the Double Cash.
Key Features
- No annual fee and a variable interest rate (APR) of 18.49% to 28.74%, depending on your credit
- Points worth 1 cent each in cash, by statement credit, direct deposit, or check
- 5 points per $1 in all on hotels, car rentals, and attractions you book through Citi Travel, Citi’s booking site
- $200 bonus after $1,500 in purchases in the first 6 months
- 0% interest for 18 months from account opening on balances transferred in the first 4 months, for a 3% fee ($5 minimum)
Pros
- 2% on every purchase, with no categories to activate and no cap
- 18 months at 0% to pay off a transferred balance
- Cash redemptions in any amount by statement credit or direct deposit
- A simple 2% default to pair with a category card
Cons
- No 0% intro APR on new purchases
- 3% fee on foreign purchases
- New purchases accrue interest until a transferred balance is paid off
- Paying late can end the 0% rate, bring a penalty APR of up to 29.99%, and stop you from earning points until the account is current
Make it your everyday card if you pay in full each month and want one rate everywhere, but carry a card without a foreign transaction fee abroad. Pick the Citi Strata Card for 3 points per $1 at supermarkets and gas stations, the Citi Simplicity for 18 months at 0% on new purchases, or the Citi Diamond Preferred for 21 months at 0% on transfers.
Learn more about the Citi Double Cash® Card or see how it compares to the best cash back credit cards.
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