Citi Double Cash review

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Advertiser Disclosure

Interest Rate: Purchases
15.74% ‐ 25.74%
Balance Transfer
15.74% ‐ 25.74% (0% for the first 18 months)
Rewards
1% cashback
Signup Bonus
$150 after spending $500


9.2/10
Informr score
The Citi Double Cash currently has an Informr score of 9.2 out of 10. This score is based on our evaluation of 29 sources including reviews from users and the web's most trusted critics.

Am I eligible?


Citi Double Cash 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...


NextAdvisor

Just the fact that you’ll get an effective 2% cash back on every single purchase you make with the Citi® Double Cash Card without having to spend in a particular category or register quarterly to receive rewards is remarkable. Plus, it offers a generous 18-month 0% intro APR on balance transfers. Th...

- NextAdvisor
LendEDU

The Citi Double Cash card doesn’t offer a ton of generous perks, but at the same time, the 2% cash back rate is among the highest in the category of no annual fee credit cards. No annual fee and an intro 0% APR balance transfer period make it appealing for consumers with high-interest debt on other...

- Ashley Sutphin Watkins, LendEDU
The Wirecutter

The Double Cash is a convenient day-to-day companion you’ll reach for regularly: It has a high cash-back rate, it’s easy to earn and redeem your cash, and you get big-bank conveniences.

- Sally French, The Wirecutter
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 the card comes with big-bank conveniences.

- Sally French, The Wirecutter
Cardcruncher

The Citi Double Cash Card is a go-to credit card for everyday spending. Its best feature is its excellent cash-back rewards without rotating categories or limitations on how much you can earn. If you want to earn 2% cash back on every purchase without putting in extra thought, you should apply for t...

- Kailey Fralick, Cardcruncher

Details


Interest Rates
Regular APR Interest Rate 15.74% ‐ 25.74%

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

Balance Transfer Interest Rate 15.74% ‐ 25.74% (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 27.49%

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 $35.00

Maximum

Promotions
Sign up bonus $150 after spending $500

On purchases within the first 3 months.

Rewards
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 Yes
Car Rental Insurance Yes
Car Rental Discount No
Extended Warranty Yes
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service Yes
Price Protection Yes
Fraud Protection Yes
Free Credit Scores No
Wireless Payments Apple Pay
Additional Benefits

Return Protection

Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
Suggest a correction

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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


NextAdvisor

Offers an unlimited 2% cash back on all purchases

Just the fact that you’ll get an effective 2% cash back on every single purchase you make with the Citi® Double Cash Card without having to spend in a particular category or register quarterly to receive rewards is remarkable. Plus, it offers a generous 18-month 0% intro APR on balance transfe...More

Just the fact that you’ll get an effective 2% cash back on every single purchase you make with the Citi® Double Cash Card without having to spend in a particular category or register quarterly to receive rewards is remarkable. Plus, it offers a generous 18-month 0% intro APR on balance transfers. The combination of high cash back rewards and 0% intro APR make this card an incredibly strong contender for a place of honor in your wallet.

Read full review

Less

LendEDU

Earning cash back twice with no restrictions

from LendEDU

The Citi Double Cash card doesn’t offer a ton of generous perks, but at the same time, the 2% cash back rate is among the highest in the category of no annual fee credit cards. No annual fee and an intro 0% APR balance transfer period make it appealing for consumers with high-interest debt on other credit cards.

Read full review

The Citi Double Cash card doesn’t offer a ton of generous perks, but at the same time, the 2% cash back rate is among the highest in the category of no annual fee credit cards. No annual fee and an intro 0% APR balance transfer period make it appealing for consumers with high-interest debt on other credit cards.

Read full review

Less

The Wirecutter

High cas back rate, easy to redeem

from The Wirecutter

The Double Cash is a convenient day-to-day companion you’ll reach for regularly: It has a high cash-back rate, it’s easy to earn and redeem your cash, and you get big-bank conveniences.

Read full review

The Double Cash is a convenient day-to-day companion you’ll reach for regularly: It has a high cash-back rate, it’s easy to earn and redeem your cash, and you get big-bank conveniences.

Read full review

Less

The Wirecutter

A great cash-back card

from 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 the card comes with big-bank conveniences.

Read full review

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 the card comes with big-bank conveniences.

Read full review

Less

Cardcruncher

Earn unlimited 2% cash back on all purchases

from Cardcruncher

The Citi Double Cash Card is a go-to credit card for everyday spending. Its best feature is its excellent cash-back rewards without rotating categories or limitations on how much you can earn. If you want to earn 2% cash back on every purchase without putting in extra thought, you should apply for the Citi Double Cash Card.

Read full review

The Citi Double Cash Card is a go-to credit card for everyday spending. Its best feature is its excellent cash-back rewards without rotating categories or limitations on how much you can earn. If you want to earn 2% cash back on every purchase without putting in extra thought, you should apply for the Citi Double Cash Card.

Read full review

Less

The Points Guy

One of the simplest and most rewarding cash-back card

from The Points Guy

If you’re looking for a cash-back credit card with no annual fee and you don’t want to worry about category bonuses and figuring out the best credit card to use for each purchase, the Citi Double Cash Card may very well be the right card for you. In particular, it’s great for those that don...More

If you’re looking for a cash-back credit card with no annual fee and you don’t want to worry about category bonuses and figuring out the best credit card to use for each purchase, the Citi Double Cash Card may very well be the right card for you. In particular, it’s great for those that don’t use their credit card internationally, value having shopping protections like a 24-month extended warranty benefit and don’t have a Chase Ultimate Rewards-earning credit card that would boost the earning rate of the Chase Freedom Unlimited.

Read full review

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CreditCards.com

Rare card that allows you to earn up to 2 percent cash back

from CreditCards.com

Its cash back structure is a little complicated, this is a unique cash back card that allows you to earn cash back twice on all your purchases, and to redeem cash back rewards for a statement credit, check, gift card or credit to your checking or savings account.

Read full review

Its cash back structure is a little complicated, this is a unique cash back card that allows you to earn cash back twice on all your purchases, and to redeem cash back rewards for a statement credit, check, gift card or credit to your checking or savings account.

Read full review

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The Ascent

Best-in-class cash back

from The Ascent

Few no-annual-fee cards can match the 2% cash back total. Even fewer also include a long balance transfer offer.

Read full review

Few no-annual-fee cards can match the 2% cash back total. Even fewer also include a long balance transfer offer.

Read full review

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NerdWallet

2% on everything is tough to beat

from NerdWallet

Great rewards make up for the lack of a sign-up bonus or a 0% intro APR period for purchases.

Read full review

Great rewards make up for the lack of a sign-up bonus or a 0% intro APR period for purchases.

Read full review

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Credit Card Insider

The only card that earns you cash back twice on every purchase

from Credit Card Insider

The Citi Double Cash is one of the top cash back credit cards on the market today. It’s probably the most rewarding general rewards card you can get, as no other card issuer can match this unlimited 2% cash back on all purchases.

Read full review

The Citi Double Cash is one of the top cash back credit cards on the market today. It’s probably the most rewarding general rewards card you can get, as no other card issuer can match this unlimited 2% cash back on all purchases.

Read full review

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User Reviews


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