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Citi® Double Cash Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
17.74% ‐ 27.74% (Variable)
Interest Rate: Purchases
17.74% ‐ 27.74% (Variable)
Balance Transfer
17.74% ‐ 27.74% (Variable) (0% for the first 18 months)
Balance Transfer
17.74% ‐ 27.74% (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 9 out of 10. This score is based on our evaluation of 46 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...


For those who are searching for a reliable credit card, the Citi® Double Cash Card is one of the best cash back options available. Simple and affordable, you’ll have no trouble racking up cash-back rewards thanks to its effortless 2% earning rate.

- Stella Shon, MoneyUnder30

The Citi Double Cash is a great choice for those looking for an everyday credit card that earns a solid cash back rate on each purchase, with no rotating categories or cash back calendars to keep up with. Those who are in the market for a balance transfer credit card can also benefit greatly from th...

- Claire Dickey, Garrett Yarbrough, Bankrate
Traveling For Miles
Traveling For Miles

The Citi® Double Cash Card has always been a strong cash back card, but ever since Citi started to allow the cash back that it earns to be converted to ThankYou points it has been one of the best cash back cards on the market. On its own, it’s a great card to hold but when held alongside the Citi Pr...

- Ziggy, Traveling For Miles

Rewards cards can be confusing, but the not the Citi Double Cash card. You'll earn 1% cash back on every purchase, and another 1% when you pay it off. While other cards might earn more in specific categories, the Citi Double Cash's beauty is in its simplicity. There's no signing up for quarterly bon...

- Cardcruncher
Upgraded Points
Upgraded Points

The card is a great beginner card for those looking to get started in the credit card points world. Thanks to its uncapped 2% ThankYou Points per $1 on all purchases, flexible redemptions, and no annual fee, it makes a great addition to your wallet.

- Jarrod West, Upgraded Points


Interest Rates
Regular APR Interest Rate 17.74% ‐ 27.74% (Variable)

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

Balance Transfer Interest Rate 17.74% ‐ 27.74% (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 28.99% (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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