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Citi Double Cash

Citi · Mastercard · $0 annual fee

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670
Min Score
17.49–27.49%
APR Range
0%
Intro BT · 18 mo
3%
Foreign Fee
$0
Annual Fee
Welcome Bonus
$200 cash back
Paid as 20,000 ThankYou points
After you spend $1,500 in the first 6 months. A generous window — six months, not three.
How You Earn · cash back per $1
Hotels
5%
Hotels, cars & attractions via Citi Travel℠
Purchases
2%
Everything else — 1% buy, 1% pay

What you get with the card — tap a row for details.

1% + 1%How the 2% actually works▾
You earn 1% when you buy and another 1% when you pay it off. Carry a balance and you only ever collect the first half — so the headline 2% is really only 2% for people who pay in full. There’s no cap and no categories to track.
UpgradeCash back is secretly ThankYou points▾
Your “cash back” accrues as ThankYou points at 1¢ each. Pair this card with a Citi Strata Premier and those same points become transferable to 16 airline and hotel partners — often worth well north of 2%.
3%Foreign transaction fee — heads up▾
This card charges 3% abroad. It’s built for domestic everyday spending — carry a no-FX card when you travel.
16 transfer partners*
*Requires a Strata Premier to unlock transfers. View partners →

Terms apply; verify current details with Citi before applying.

The latest changes to this card — newest first. Verified against issuer terms.

2026NEW

Still the benchmark flat-rate cash-back card

2% on everything with no annual fee remains the number most other cards are measured against — and the 18-month balance transfer offer is among the longest available.

2026

$200 bonus on only $1,500 of spend

Earn $200 back after $1,500 in the first 6 months — a low bar with an unusually long qualifying window.

2026

Pair it with Strata Premier to beat 2%

Alone it’s a 2% cash-back card. Paired with a Strata Premier, the points transfer to airlines — the single easiest upgrade to its value.

Advertiser Disclosure: MyCreditPerks may earn a commission when you apply through a link on our site, at no cost to you. Rankings and values are based solely on reward rates, fees, and estimated value — advertiser relationships never influence results. Reward values are estimates; verify current terms with Citi before applying.

Transfer Partners

Citi ThankYou points transfer 1:1 to these airline & hotel programs.

Air France/KLM Flying BlueAvianca LifeMilesCathay PacificEmirates SkywardsEtihad GuestEVA AirJetBlue TrueBlueQantasQatar Privilege ClubSingapore KrisFlyerThai Royal OrchidTurkish Miles&SmilesVirgin AtlanticAccor Live LimitlessChoice PrivilegesWyndham Rewards