Chase Freedom Flex
chase
4.5 / 5
- Welcome
- $250 cash
- Annual fee
- $0
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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.
At a glance
- Welcome bonus
- $200 cash
- Spend $1,500 in 6 months
- Annual fee
- $0
- Purchase APR
- 17.49% to 27.49%
- No intro APR
- FX fee
- 3%
- BT intro: 0% for 18 months
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
| Category | Rate | Notes |
|---|---|---|
| When you buy | 1% | 1% when you buy. |
| When you pay | 1% | 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 17.49% to 27.49% 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
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- Welcome
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- Annual fee
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Wells Fargo Active Cash Card
wells fargo
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- Welcome
- $100 cash
- Annual fee
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Apply
Citi Double Cash Card
Spend $1,500 in 6 months
Rates accurate as of October 6, 2026. Issuer terms.