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Citi® Double Cash Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
14.74% ‐ 24.74% (Variable)
Interest Rate: Purchases
14.74% ‐ 24.74% (Variable)
Balance Transfer
14.74% ‐ 24.74% (Variable) (0% for the first 18 months)
Balance Transfer
14.74% ‐ 24.74% (Variable) (0% for the first 18 months)
1 point
1 point
Signup Bonus
Signup Bonus

Informr score
The Citi® Double Cash Card currently has an Informr score of 9.1 out of 10. This score is based on our evaluation of 50 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...

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% cash back (1% when you buy and an additional 1% as you make payments for those purchases), making it an ideal card for purchases that don’t qualify for larger bon...

- Emily Sherman,
One Mile at a Time
One Mile at a Time

The Citi Double Cash is a no annual fee card that offers unparalleled flexibility, whether you’re looking to earn cash back or travel rewards points. The card earns 2x ThankYou points per dollar spent. Those points can each be redeemed for one cent cash back, or in conjunction with the Citi Premier,...

- Ben Schlappig, One Mile at a Time

Balance Transfers do not earn cash back. Intro APR does not apply to purchases. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

- Toby Sembower, CardRates
The Ascent
The Ascent

Earn up to 2% on all purchases - 1% when you buy, and 1% when you pay the minimum each month. Add that to no annual fee and an 18 month 0% intro APR offer on balance transfers and this card is a winner.

- Lyle Daly, The Ascent
Business Insider
Business Insider

Getting 2% back (1% at the time of purchase and 1% when you pay your bill) without an annual fee is an excellent deal, and it will soon become better when the Citi® Double Cash Card shifts to earning flexible Citi ThankYou points in March 2022.

- Holly Johnson, Business Insider


Interest Rates
Regular APR Interest Rate 14.74% ‐ 24.74% (Variable)

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

Balance Transfer Interest Rate 14.74% ‐ 24.74% (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 25.99% (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


Sign up bonus No
All Purchases 1 point per $1 spent

Additional 1 point 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, Google 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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