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Citi Double Cash Card card art
Citi · double cash

Citi Double Cash Card

4.5 / 5
Citi ThankYou Points · Personal card

The Active Cash alternative for households that already hold a Citi Premier. Pairing the Double Cash with a Premier turns your 2% into transferable ThankYou Points.

See current offer Read issuer terms

At a glance

Issuer terms
Welcome bonus
$200 cash
Spend $1,500 in 6 months
Annual fee
$0
Purchase APR
19.24% to 29.24%
No intro APR
FX fee
3%
BT intro: 0% for 18 months
Rates accurate as of
Editorial

Our take

The Active Cash alternative for households that already hold a Citi Premier. Pairing the Double Cash with a Premier turns your 2% into transferable ThankYou Points.

Verdict

Pros & cons

Pros

  • Effective 2% on every purchase
  • $0 annual fee
  • 18-month 0% APR on balance transfers
  • ThankYou Points convertible when paired with a Premier or Strata

Cons

  • You only earn the second 1% on payments toward the balance
  • No 0% intro APR on purchases
  • 3% foreign transaction fee
Earnings

Earn rates

CategoryRateNotes
Purchase1%1% when you buy.
Payment1%1% when you pay for those purchases.
Benefits

Key benefits

Effective 2% on everything

1% earned at purchase plus 1% earned as you pay the balance.

No annual fee

Keep it open indefinitely without a holding cost.

Convertible ThankYou Points

Pair with a Citi Premier or Strata to convert cash back into transferable ThankYou Points.

Fit

Who this is best for

  • Citi Premier or Strata holders who want a flat-rate companion
  • People who pay balances in full each month (you only earn the second 1% on paid balances)
  • Anyone wanting a fee-free 2% card with a long balance-transfer window
FAQ

Frequently asked questions

What is the Double Cash welcome bonus?
Earn $200 cash back after spending $1,500 in the first 6 months. Cash back is received as 20,000 ThankYou Points, redeemable for $200 in cash back.
Does the Double Cash charge an annual fee?
No. The Double Cash has a $0 annual fee.
Does the Double Cash have a foreign transaction fee?
Yes. The Double Cash charges a 3% foreign transaction fee on purchases made outside the US.
What APR does the Double Cash charge?
The purchase APR is 19.24% to 29.24% variable.
Who is the Double Cash best for?
Citi Premier or Strata holders who want a flat-rate companion. People who pay balances in full each month (you only earn the second 1% on paid balances). Anyone wanting a fee-free 2% card with a long balance-transfer window.
Similar

Related cards

Apply

Citi Double Cash Card

Spend $1,500 in 6 months
See current offer

Rates accurate as of May 15, 2026. Issuer terms.