Citi® Double Cash Card review

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Advertiser Disclosure

Interest Rate: Purchases
13.99% ‐ 23.99% (Variable)
Balance Transfer
13.99% ‐ 23.99% (Variable) (0% for the first 18 months)
1% cashback
Signup Bonus

Informr score
The Citi® Double Cash Card currently has an Informr score of 9.2 out of 10. This score is based on our evaluation of 37 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Citi® Double Cash Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...

Business Insider

Now that Citi® Double Cash Card cardholders can convert cash back to Citi ThankYou points, the card is considerably more valuable. The Citi ThankYou program lets you redeem your rewards for gift cards, merchandise, and even travel through the Citi ThankYou portal. If you don't like those options, ho...

- Holly Johnson, Business Insider
The Wirecutter

The Double Cash is a convenient day-to-day companion you’ll reach for regularly: It has a high cash-back rate, earning and redeeming your cash is easy, and you get big-bank conveniences. Plus, you enjoy a long 0% APR period on balance transfers.

- Emily Long, The Wirecutter

We love Citi® Double Cash Card because it offers the powerful duo of simplicity and great value. There are no bonus categories or annual fees to worry about. You just have to pay your bill in full every month, and you’ll receive a handsome reward for your trouble. That said, some people might be abl...

- John S Kiernan, WalletHub
One Mile at a Time

The Citi Double Cash has gone from a great cash back credit card, to an unrivaled card for those who are into miles & points. Not only can the card potentially earn up to two cents back per dollar spent, but in conjunction with the Citi Premier or Citi Prestige you can potentially earn 2x ThankY...

- Ben, One Mile at a Time

If you regularly pay off your card in full each month, it’s hard to beat the cash back rewards on the Citi Double Cash card: It offers 2 percent cash back (1 percent when you buy and an additional 1 percent as you make payments for those purchases), making it an ideal card for purchases that don’t q...

- Emily Sherman,


Interest Rates
Regular APR Interest Rate 13.99% ‐ 23.99% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 13.99% ‐ 23.99% (Variable) (0% for the first 18 months)
  • Intro rate applies on balances transferred within the first 2 months of account opening.
  • This APR will vary with the market based on the Prime Rate.
Cash Advance Interest Rate 25.24% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 3%

Minimum of $5

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee 3%

of each transaction in U.S. dollars.

Over Limit Fee $0.00

Late Payment Fee $40.00

- Maximum

- None for the first late payment

Sign up bonus No
All Purchases 1% cash back

Additional 1% as you pay for those purchases.

Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments Apple Pay, Samsung Pay, Android Pay
Virtual Cards Yes
Additional Benefits

- Return Protection

- The Lost Wallet Service

- Citi Identity Theft Solutions

Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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