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Citi® Double Cash Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
19.24% ‐ 29.24% (Variable)
Interest Rate: Purchases
19.24% ‐ 29.24% (Variable)
Balance Transfer
19.24% ‐ 29.24% (Variable) (0% for the first 18 months)
Balance Transfer
19.24% ‐ 29.24% (Variable) (0% for the first 18 months)
1% cashback
1% cashback
Signup Bonus
Signup Bonus

Informr score
The Citi® Double Cash Card currently has an Informr score of 8.8 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...


This is a solid low-hassle option that will get the job done for anyone looking for a simple way to earn rewards. But no sign-up bonus, no intro APR on purchases and a foreign transaction fee put it at a disadvantage to other rewards cards.

- Garrett Yarbrough, Bankrate

Although the market has started to catch up, this remains one of the better top-of-wallet cards. Use it by itself every day, or as a companion to bonus category cards.

- Gregory Karp, NerdWallet

The Citi® Double Cash Card is a no-annual-fee credit card offering a high flat rate rewards amount of 2% -- 1% when you make a purchase and another 1% when you pay off a purchase. It lacks a welcome bonus and an introductory purchase APR, but still offers a solid rewards amount with a simple rewards...

- Jaclyn DeJohn, Raina He, Cnet

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,
Business Insider
Business Insider

The Citi® Double Cash Card doesn't come with a lot of bells and whistles. But earning 2% cash back (1 point per dollar at the time of purchase and 1 point per dollar when you pay your bill) without an annual fee is an excellent deal. It's also one of our picks for the best balance transfer credit ca...

- Holly Johnson, Business Insider


Interest Rates
Regular APR Interest Rate 19.24% ‐ 29.24% (Variable)

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

Balance Transfer Interest Rate 19.24% ‐ 29.24% (Variable) (0% for the first 18 months)
  • Intro rate applies on balances transferred within the first 4 months of account opening.
  • This APR will vary with the market based on the Prime Rate.
Cash Advance Interest Rate 29.99% (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 $41.00


Sign up bonus No
All Purchases 1% cash back

Additional 1% cash back 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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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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