Citi Double Cash

Citi · Mastercard · $0 annual fee

Compare this card →View full details

670

Min Score

17.49–27.49%

APR Range

Intro BT · 18 mo

Foreign Fee

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.

Welcome bonus, last 9 mo: $200 · steady

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Full history▾

Know the moment this bonus changes

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How You Earn · cash back per $1

Hotels

Hotels, cars & attractions via Citi Travel℠

Purchases

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.

Citi Double Cash

Still the benchmark flat-rate cash-back card

$200 bonus on only $1,500 of spend

Pair it with Strata Premier to beat 2%

Transfer Partners