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Citi® Double Cash Card

Citi® Double Cash Card

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Our rating:3.5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

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Reward Rates
2%Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Balance Transfers Intro APR
0% intro for 18 months on Balance Transfers
Purchases Intro APR
Regular APR
13.99% - 23.99% (Variable)
Annual Fee

Great for:

Flat rate cash back. Forget tracking spending or juggling multiple cards or bonus categories – the Citi Double Cash Card gets you up to 2% cash back on all purchases (1% when you buy, 1% when you pay off those purchases), no matter when, where or what you buy. This makes the card an ideal choice if you’re looking for a simple, “set-it-and-forget-it” way to earn rewards on your purchases and a no-brainer for inclusion on our list of the best cash back credit cards.


  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • The standard variable APR for Citi Flex Plan is 13.99% - 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.


  • Balance Transfer
    Balance Transfer
  • Cash Back
    Cash Back
  • Dining
  • Editor's Pick
    Editor's Pick
  • EMV
  • Excellent Credit
    Excellent Credit
  • Free Credit Score
    Free Credit Score
  • Good Credit
    Good Credit
  • Low Interest
    Low Interest
  • Mobile Pay Ready
    Mobile Pay Ready
  • No Annual Fee
    No Annual Fee
  • Popular
  • Presale Tickets
    Presale Tickets
  • Rewards
  • Unsecured credit card
    Unsecured credit card

Staff Review

Editor's Rating:

3.5 out of 5

Our take: 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 qualify for larger bonuses.

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All reviews are prepared by staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.