Double Cash®: 2% Cashback on All Purchases
The Bottom Line
4.0
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Citi Double Cash® is one of the best choices for people who want simple, high flat-rate cashback with no annual fee. You earn 2% cashback on every purchase — 1% when you buy and 1% when you pay — with no categories to track and no spending caps. While it doesn’t include premium perks, the card offers a sign-up bonus, 5% cashback on select Citi travel bookings, and a 0% intro APR for 18 months on balance transfers. Overall, it’s an excellent everyday card for maximizing consistent cashback with minimal effort.
Double Cash®
Apply now
On Citi's Secure Website
Annual fee:
$0
Intro APR
Purchases: N/A
Balance Transfers: 0%, 18 months
Regular APR
17.49% - 27.49% Variable APR
Buy Now, Pay Later Make equal monthly payments on purchases of $75 or more. No interest, just a fixed monthly fee. The plan availability is up to the bank's discretion.
Citi Flex Plan
Credit Score
670-850 (Good/Excellent)
Rewards Earn 2% unlimited cashback on every purchase - 1% when you buy and 1% as you pay - with no categories to track or quarterly activations. Plus, earn 5% cashback on hotels, car rentals, and attractions booked on Citi Travel®.
2% - 5% Cashback
Welcome Offer Earn $200 cashback after spending $1,500 in the first six months.
$200
Welcome Offer
- Earn $200 cashback after spending $1,500 in the first six months.
Rewards
- 5% Cashback on Select Citi Travel®: Earn 5% cashback on hotels, car rentals, and attractions booked on Citi Travel®.
- 2% Cashback on All Other Purchases: 1% when you buy and 1% as you pay, with no categories to track or quarterly activations.
Redemption Options
- Flexible Redemption Options: Redeem points for cashback (100 ThankYou® Points = $1) as a statement credit, direct deposit, or check. There are no minimums for statement credit or direct deposit redemptions. Points can also be redeemed for gift cards, travel, or used to shop with points at Amazon.com. Redemption rates may vary. Cash rewards do not expire.
Fees and APR
- Annual Fee: $0.
- 0% Intro APR on Balance Transfers: For 18 months from account opening on balance transfers completed within the first 4 months.
- Regular APR: After the introductory period, a variable APR of 17.49% - 27.49% applies to purchases and balance transfers.
- Intro Balance Transfer Fees: $5 or 3% of the transfer amount, whichever is greater, for balance transfers completed within the first 4 months.
- Regular Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
- Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.
Convenience Features
- Digital wallet compatible: Apple Pay®, Google Pay™, Samsung Pay.
Nice Extras
- Entertainment Access: Citi Entertainment® (presale ticket access and occasional exclusive events).
Additional Features
- Identity Theft Assistance: Mastercard ID Theft Protection (identity monitoring alerts and guided recovery support).
Terms and Conditions
Click Apply Now to see the terms and conditions.
Build Your Citi Cashback Setup
- Citi Custom Cash®: Earn up to 5% cashback on your top eligible spending category each billing cycle. Pairs well with Citi Double Cash®, which earns unlimited 2% cashback on all purchases with no category caps, while Custom Cash® covers your highest monthly spend category at 5%. 👉 Learn more about Citi Custom Cash®.