Citi Double Cash Card Review: Earn 2% Cash Back on Every Purchase

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Good for Earning Over Time Citi® Double Cash Card Citi® Double Cash Card
Editor’s Score: (4.4/5)
Learn more externa link icon At our partner’s secure site
Good for Earning Over Time Citi® Double Cash Card
Editor’s Score: (4.4/5)
  • Intro bonus:
    N/A
  • Annual fee:
    $0
  • Regular APR:
    13.99% – 23.99% (Variable)
  • Recommended credit score:
    670-850 (Good to Excellent)
Rewards rate:

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

NextAdvisor’s Take

Pros
  • Flat cash back on every purchase
  • 18-month 0% intro APR for balance transfers
  • No annual fee
Cons
  • No welcome bonus
  • 3% balance transfer fee ($5 minimum)
  • Delayed cash back rewards if you carry a balance
The Bottom Line
The Citi Double Cash Card has a straightforward rewards structure that gets you up to 2% back on everything — which is great if you’re looking to maximize savings on every purchase you make. It also shines as a debt management tool, with an 18-month 0% intro rate for balance transfers (13.99% – 23.99% variable APR thereafter).

Additional Card Details

  • Extra incentive to pay down your balance in full: You’ll earn only 1% cash back when you make a purchase, and the other 1% when you pay it off
  • 18-month 0% intro period on balance transfers, 13.99% to 23.99% variable APR thereafter
  • Redeem cash back for statement credits, direct deposit, check, or convert cash back value to Citi ThankYou points
  • $25 minimum cash back redemption
  • Balance transfers must be completed within 4 months of account opening, and a 3% ($5 minimum) fee applies

Citi Double Cash Card Full Review

Card Type

Citi Double Cash is a cash back card that earns flat rewards on every purchase. It also has an introductory APR offer for balance transfers.

Annual Fee

There’s no annual fee for this card.

Welcome Offer

Citi Double Cash has no cash back welcome bonus for new cardholders. However, there is an 18-month introductory 0% APR period on balance transfers (13.99% – 23.99% variable APR thereafter). If you have existing debt to pay off, this is one of our favorite balance transfer offers on the market today.

Rewards

Citi Double Cash earns unlimited flat 2% cash back rewards. While you should always pay off your credit card balance in full and on time, this card requires it to get the full 2% cash back rate. You’ll get 1% as you make purchases, and the other 1% when you pay them off.

You also need at least $25 in rewards to redeem cash rewards, which you can trade for a statement credit, bank account deposit, or check. 

Fees

The ongoing APR for this card is a variable 13.99% – 23.99%, and there’s a foreign transaction fee of 3%. If you pay late or your payment is returned, you may be subject to a 29.99% penalty APR.

If you decide to use the balance transfer offer, there’s a fee of 3% or $5 (whichever is greater), and you’ll have four months from account opening to transfer your balance.

Other Benefits

This card’s main appeal is its flat cash back rewards and balance transfer offer; there are few added benefits beyond that. 

Benefits of Citi Double Cash Card

The Citi Double Cash card doesn’t have any additional sign-up bonuses or perks beyond a straightforward good deal for flat cash back reward. But 2% cash back rate on everything can add up to major savings over time, and it’s one of the simplest rewards structures available, compared to some other cards’ complex or tiered rewards systems. 

Because you don’t earn the full cash back rate until you pay your balance, there’s also added incentive to practice good credit habits with the card.

Finally, if you have existing debt balances, the Citi Double Cash intro offer on balance transfers offers 18 months of interest-free payments toward your principal balance, one of the longest offers available today.

Drawbacks of Citi Double Cash Card

Citi Double Cash offers great flat rewards on every purchase, but there are other cards that offer higher rewards focused in specific categories. If you already have a more focused card for travel or dining, you may want to consider pairing this no annual fee card for any spending that falls outside of those rewards categories.

Always review your budget and regular spending before you apply for a new card to determine the best fit for you. 

How to Use the Citi Double Cash Card

The Citi Cash Double Card can help you earn flat cash back on every purchase you make, but it also stands out as a debt payoff tool. The 18-month 0% intro APR can be a gamechanger for paying off your existing debt, although you won’t get any cash back on balance transfers. After the intro period, you’ll be subject to a variable APR of 13.99% to 23.99%.

You’ll be subject to a balance transfer fee of 3% or $5, whichever is greater, a standard and small price to pay if you can successfully pay off a large credit card balance before the ongoing APR kicks in. You’ll also have four months to transfer any balances after opening the card, giving a bit more flexibility to make those transfers. Just keep in mind the intro period begins as soon as you get the card, so you’ll want to transfer balances as soon as possible to take full advantage of the promotional term.

The flat cash back rewards makes the Citi Double Cash Card a solid addition to your wallet, even after the introductory period. We calculated the rewards value for this card at $265 each year. You can further maximize the Citi Double Cash by pairing it with another rewards card that might earn a higher cash back percentage for certain categories, but use your Citi Double Cash for all other purchases that don’t fall into one of those higher-earning categories.  

If you’re disciplined about paying off your balance each month, this card can be a great way to earn money back on everyday purchases. 

Additionally, you can use your rewards for travel, by converting them to Citi ThankYou points, as opposed to keeping them as cash back. Doing so can give you added flexibility and can help you get even more value out of your card. To convert cash back into points, log into your account, and you’ll see an option that says “Convert Cash Rewards to ThankYou Points.” From there, you can choose how much of your cash rewards you would like to convert to points, at a fixed value of 1 point per cent — meaning that $1 converts to 100 points.

Citi Double Cash Card Compared to Other Cards

  • Intro bonus:
    N/A
  • Annual fee:
    $0
  • Regular APR:
    13.99% – 23.99% (Variable)
  • Recommended credit:
    670-850 (Good to Excellent)
  • Learn more externa link icon at our partner’s secure site.
  • Intro bonus:
    $200
  • Annual fee:
    $0
  • Regular APR:
    14.99% – 23.74% Variable
  • Recommended credit:
    670-850 (Good to Excellent)
  • Learn more externa link icon at our partner’s secure site.
  • Intro bonus:
    $300
  • Annual fee:
    $0 introductory annual fee for the first year, then $95.
  • Regular APR:
    13.99%-23.99% Variable
  • Recommended credit:
    670-850 (Good to Excellent)
  • Learn more externa link icon at our partner’s secure site. See Rates & Fees, Terms Apply.

Is Citi Double Cash Right for You?

But as with any card, you’ll need to be disciplined about paying off your balance on time and in full to get the most bang for your buck. Any interest accrued on balances you carry month to month will far outweigh the 2% rewards rate. You also may be subject to a penalty variable APR up to 29.99% if you make a late payment. But this is also extra incentive to make your payments on time.

You should get this card if you want a straightforward, constant source of cash back on your spending, or if you can benefit from an 18-month 0% interest period for balance transfers to pay off existing debt. The 18-month 0% interest intro period (13.99% – 23.99% variable APR thereafter) will give you one of the longest available windows to pay off a balance you transfer to the card. 

Bottom Line

Editorial Independence

As with all of our credit card reviews, our analysis is not influenced by any partnerships or advertising relationships.

The Citi Double Cash Card will offer you 1% when you buy and 1% when you pay on all purchases, making it a stable source of rewards even after the introductory period is over. But the introductory 0% APR for 18-months on balance transfers (13.99% – 23.99% variable APR thereafter) makes the card more valuable, especially if you can pay off any lingering balances. 

*All information about the Citi Double Cash Card has been collected independently by NextAdvisor and has not been reviewed by the issuer.

Frequently Asked Questions

Is there a minimum to redeem rewards?

Yes. You must have $25 in rewards to redeem them.

Will I get my rewards if I make a late payment?

You get 2% cash back on all purchases — 1% when you make the purchase and the other 1% when you pay it off. You’ll only get the second 1% cash back after you pay off the purchase.

Does the Citi Double Cash card come with a sign-up bonus?

There is currently no sign-up bonus for the Citi Double Cash Card, but there is an 18-month 0% interest offer on balance transfers (then 13.99% – 23.99% variable APR).