Citi Double Cash®

Issuer

Citi

Network

Mastercard

Regular APR

18.49% - 28.49%

Credit Score

630 - 850 (Fair - Excellent)

Rewards Rate Details

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.

Intro Offer Details

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

Pros

• No annual fee
• Earn 2% cash back on all purchases (1% when you buy + 1% when you pay)
• Long 0% intro APR period on balance transfers (18 months)
• Flexible rewards redemption options (cash back, points, statement credits)
• No spending categories to track
• Simple rewards structure without caps or limits
• ThankYou Points conversion available

Cons

• No 0% intro APR on purchases
• 3% foreign transaction fee
• High balance transfer fees (3% first 4 months, then 5%)
• Higher regular APR (18.49% - 28.49%)
• Must pay bill to earn full rewards rate
• No welcome bonus for new cardholders