Citi Double Cash Card Review

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Citi® Double Cash Card
Good for earning over time

Citi® Double Cash Card

Learn more externa link icon at our partner’s secure site
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.

  • Intro bonus: No current offer
  • Annual fee: $0
  • Regular APR: 13.99% – 23.99% (Variable)
  • Recommended credit score: 740-850 (Excellent)

The Citi Double Cash Card* has a straightforward rewards structure that gets you as much as 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 a healthy 18-month 0% intro rate for balance transfers (13.99% – 23.99% variable APR thereafter). This card’s simple rewards rate and attractive balance transfer rate make this a versatile card for many different types of users.

At a Glance

  • 2% cash back on every purchase: 1% when you make each purchase and 1% when you pay it off
  • 18-month 0% intro period on balance transfers, after which you’ll be subject to a 13.99 to 23.99% variable APR 
  • No annual fee

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 full cash back rewards if you carry a balance

Additional Card Details

The Citi Double Cash card doesn’t have any additional sign-up bonuses or perks beyond a straightforward good deal for flat cash back rewards. The 2% cash back rate on everything is relatively simple compared to some other cards’ complex or tiered rewards systems. 

However, there is a caveat: with Citi Double Cash, you get 1% cash back on every dollar you spend, and then another 1% for every dollar you pay off. 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 also need at least $25 in rewards to redeem for cash, which can be done as a statement credit, bank account deposit, or check. 

Should You Get this Card?

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. 

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.

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. 

Citi Double Cash Card Compared to Other Cards

Citi® Double Cash Card

Citi® Double Cash Card

  • Intro bonus:
    No current offer
  • Annual fee:
    $0
  • Regular APR:
    13.99% – 23.99% (Variable)
  • Recommended credit:
    740-850 (Excellent)
  • Learn more externa link icon at our partner’s secure site
Chase Freedom Unlimited®

Chase Freedom Unlimited®

  • 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
Blue Cash Preferred® Card from American Express

Blue Cash Preferred® Card from American Express

  • Intro bonus:
    $250
  • Annual fee:
    $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

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

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

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.

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).