The Citi® Double Cash Card – 18 month BT offer earns 2% cash back on everything (awarded as 1% when you make a purchase and 1% when you pay). While considered cash back, the cash comes in the form of Citi ThankYou points, which you can combine with the Citi Premier® card to turn these points into fully transferable Citi ThankYou points (giving you the ability to transfer your points to airline and hotel partners).
AVG Point Value:$0.01
Min. Credit Score for Approval:580-669 * Fair
APR on Balance Transfers:0% Intro APR on balance transfers for 18 months, 19.24%-29.24% thereafter
Balance transfer feesIntro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
Foreign Transaction Fee:3%
The earnings from this card could not be simpler.
All eligible purchases on this card net you 2% cash back. You’ll earn 1% right away, when the purchase settles, and 1% after you’ve paid your monthly statement.
You’ll see the cash back in your account as Citi ThankYou points, however they are mostly only redeemable for cash back unless you also have a Citi Premier card. That combo allows you to supercharge your cash back by allowing you to transfer the points to airline and hotel partners. Without a Citi Premier, you can transfer to JetBlue, Choice, and Wyndham at reduced rates or redeem for gift cards and statement credits.
Earns bonus points for spend in the following bonus categories:
Estimated Rewards Value: 2%
Pair another card and boost your rewards
In some cases, adding cards from the same points system will increase your rewards by unlocking a higher point value based on the ability to transfer points to air or hotel partners. In other cases, the cards simply work together to earn more points with one bank or diversify your bonus category rewards across banks.
Unique Card Benefits
Access to Citi Entertainment
You’ll get the first chance to purchase tickets for selected concerts, sporting events, and more through via the Citi Entertainment program.
0% Intro APR on Balance Transfers
0% Intro APR on balance transfers for 18 months, 19.24%-29.24% thereafter
Balance Transfer Fees: Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
The Citi Concierge can help with shopping, entertainment, gift-giving and everyday needs.
No Fees for Authorized Users
If you want to register additional user cards for others, you won’t have to pay any fees.
Free Access to Credit Score
With all Citi cards, you get free access to your FICO score.
Earn more rewards by combining credit cards
Pros & cons
- It's easy to earn 2% cash back on all purchases
- No annual fee
- Can be combined with a Citi Premier to transfer points to airline and hotel partners
- No bonus categories
- No travel or shopping protections
- Charges a foreign transaction fee
The Citi Double Cash® Card isn’t a card loaded with features and benefits.
But it has one killer feature that makes the card a must-have for nearly everyone and that’s the simple fact that it earns 2% cash back on all of your everyday purchases. Technically, you earn 1% when you spend and 1% when you pay, but semantics aside, you’re earning 2% cash back on absolutely all eligible purchases.
And before we forget, it also comes with a pretty amazing 0% Intro APR deal for balance transfers, as outlined in the Key Facts at the top of the page.
You don’t have to think about bonus categories with this credit card. The answer to “what will I earn here” is always 2%.
Just one caveat: the Double Cash does not come with many expected benefits, like extended warranty or purchase protection. For those reasons, you may want to use another card for high value merchandise purchases.
That said, why is it a must have credit card for nearly everyone? Three reasons:
1) There is no consumer credit card issued by a major bank that earns a higher % of cash back with no annual fee. None.
2) You can use this as your one credit card if you are completely averse to using multiple credit cards (although you’ll need to be aware of the foreign transaction fees charged if you travel internationally). But even better is to use this as your “default” card. What I mean by that is you may have a card that earns 4X on dining and groceries and another that earns 3% on drugstores, but that’s it. What about an insurance payment? What about daycare?
On most other credit cards, if you aren’t spending in a bonus category, you only earn 1X or 1% back. For example, the Citi Premier Card pays 3X in certain categories (Air/Hotel, Gas, Restaurants and Supermarkets) and 1X in everything else. So you can “Double Up” by having both cards.
The Citi Double Cash card earns 2X on everything. If your purchase is in a Citi Premier card bonus category, go ahead and make the purchase with your Citi Premier card. If it’s in any other category, make the purchase with your Double Cash card. That way, you’ll get one percent when you make the purchase and another percent when you pay it. With a Double Cash card in your pocket, you can always take it out when you have no bonus category available, ensuring that you never, ever earn less than 2% back on any purchases.
3) While you’ll earn cash back rewards with this card, it earns it as ThankYou points. If you only have the Double Cash alone, that keeps things simple. It’s cash! You can cash out as a statement credit, via direct deposit to your bank account, or by check.
Pair with a Citi Premier® card – a great credit card strategy
In that case, once again, you simply pair this card with a Citi Premier credit card. That would allow you to pool all of your ThankYou points together and, because of the Premier, you’ll unlock access to all of the transfer options listed below, the best kind of credit card rewards:
|Citi ThankYou Transfer Partners||Transfer Ratio||Approximate Transfer Time *|
|Air France Flying Blue||1:1||Instant|
|Cathay Pacific AsiaMiles||1:1||Instant|
|Eva Air||1:1||~1-3 days|
|Jet Airways InterMiles||1:1||Instant|
|Malaysia Airlines Enrich||1:1||~1-7 days|
|Qantas||1:1||Instant to 1 day|
|Qatar Privilege Club||1:1||~2 days|
|Singapore Airlines||1:1||~1-2 days|
|Thai Orchid Plus||1:1||~3-7 days|
|Turkish Airlines Miles&Smiles||1:1||1-2 days|
|Virgin Atlantic||1:1||Instant to 2 days|
|Choice Hotels||1:2 (Citi Prestige / Premier / Chairman cards) |
1:1.5 (No fee Citi ThankYou cards)
|Wyndham Rewards||1:1 (Citi Prestige / Premier / Chairman cards) |
1:0.8 (No fee Citi ThankYou cards)
|Accor Live Limitless||1:0.5||TBD
What are some of the ways you can use Citi ThankYou points for outsized value with a Citi Premier?
We outline all of that on the Citi Premier card page, since that is the card that unlocks these features. Please take a look at the Citi Premier review for everything you need to know about using Citi ThankYou points.
The Citi Trifecta: Add the Citi Premier and then a Citi Rewards+ Card for a 10% Points Rebate
You can make your Citi Premier and Citi Double Cash rewards combo even more rewarding if you add in a no-annual fee Citi Rewards+ card.
Each calendar year, Citi will rebate back 10% of the first 100,000 ThankYou Points that you spend, so you can get back up to 10,000 points per year Best of all, it isn’t tied in any way to your spending on the card. Just having it in your profile and linked to the same ThankYou account will ensure that you get the rebate.
Citi Application Rules
Citi won’t approve more than 2 cards in a 60-day period, although we recommend 65 days, just to be safe. This means that if you decide to apply for the Double Cash and combo with a Citi Premier and Citi Rewards+ card, you’ll have to pick one to wait and apply for on Day 66. We’d recommend getting the Rewards+ last, since the benefits are when you redeem.
The Citi Double Cash is quite simply a card that should be in 99% of wallets. The 2% cash back on everything, with no annual fee, is too good to pass up, even if you are using it in conjunction with other credit cards to maximize your bonus categories – as you should be!
Frequently asked questions
Does the Citi Double Cash® Card have an annual fee?
No, the Citi Double Cash® Card has no annual fee.
Does the Citi Double Cash® Credit Card get you into airport lounges?
Nope. You can browse our Card Explorer for credit cards that come with airport lounge access.
Is it hard to get the Citi Double Cash® Card ?
You’ll need around a 700 or better FICO score to score a Citi Double Cash
Is Citi Double Cash worth it?
The Citi Double Cash is quite simply a card that should be in 99% of wallets. The 2% cash back on everything, with no annual fee, is simply too good to pass up.
How do I earn points / cash with the Citi Double Cash® Card ?
You’ll earn 1% cash back when you make a purchase and another 1% when you pay your bill, for a total of 2% cash back. You can redeem your earned points for cash at any time, but if you pair this card with a Citi Premier, then your cash back points become transferable to Citi’s airline and hotel partners. The Citi ThankYou program is similar to other programs you may have heard of, like Chase Ultimate Rewards or American Express Membership Rewards, but with different transfer partners and rules, of course!
Is there a better credit card than the Citi Double Cash® Card?
Well, that’s totally subjective! That’s why we built Dave’s Famous Card Explorer. Just filter by what you care about and you’re guaranteed to find your best credit card.
Does the the Citi Double Cash® Card charge foreign transaction fees?
Yes, the Double Cash does charge a foreign transaction fee of 3%. It’s worth keeping that in mind as you may want to also have a credit card with no foreign transaction fees in your wallet for when you travel abroad.
Does the Citi Double Cash® Card have car rental coverage?
We know it’s surprising, but no, the Citi Double Cash® Card does not come with any car rental protection; not even secondary.
Does the Citi Double Cash® Card come with any Elite Status?
This Citi credit card does not give you any airline or hotel statuses.
Does the Citi Double Cash® Card offer extended warranty?
Unfortunately, this Citi card no longer offers an extended warranty. Find a credit card with Extended Warranty.
Does the Citi Double Cash® Card offer purchase protection?
Unfortunately, this credit card offers no purchase protection. Find a credit card with Purchase Protection
Does the Citi Double Cash® Card offer trip protections?
Unfortunately, it does not have any protections or insurance for when you travel. Consider a credit card with trip protections.
What credit score do I need to get a Citi Double Cash?
Around a 700 FICO
Does the Double Cash have Cell Phone Protection?
Unfortunately, it offers no cell phone protection. Find a credit card with cell phone protection.
Does the Citi Double Cash have a Sign Up Bonus?
Usually no, but on rare occasions it does have a sign up bonus. If you don’t currently see a bonus offer listed, you can click the bell at the top of the page to be notified when the bonus offer changes.