Citi® Double Cash Card

Citi® Double Cash Card

on Citibank's application

Citi® Double Cash Card

Citi® Double Cash Card

Citi® Double Cash Card

on Citibank's application

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Card details

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

  • For a limited time, earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.

  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 16.99% - 26.99%, based on your creditworthiness.

  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.

  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.

  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    1%-2%

  • Bonus offer

    For a limited time, earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.

  • Intro APR

    0% intro APR on Balance Transfers for 18 months

  • Ongoing APR

    APR: 16.99%-26.99% Variable APR

    Cash Advance APR: 28.24%, Variable

    Penalty APR: Up to 29.99%, Variable

  • Balance transfer fee

    Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).

  • Foreign transaction fee

    3%

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Learn more
Annual fee

$0

Annual fee

$99

Annual fee

$95

Regular APR

16.99%-26.99% Variable APR

Regular APR

18.24%, 22.24% or 27.24%, Variable APR

Rates & Fees

Regular APR

18.74%-25.74% Variable APR

Intro APR

0% intro APR on Balance Transfers for 18 months

Intro APR

0% intro APR for 15 months on balance transfers made within 45 days of account opening.

Intro APR

N/A

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Lindsay Konsko

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

Rating details

4.9

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • High rewards rate

  • Intro balance transfer fee

Cons
  • Requires good/excellent credit

  • No bonus categories

Getting a cash-back credit card with a high, ongoing rewards rate is a smart move if rotating 5% bonus categories aren't your thing, and the Citi® Double Cash Card might be just the ticket. With this card, you'll earn 1% cash back when you make your purchases, then an additional 1% cash back when you pay them off. There's no limit to the rewards you can earn.

The Citi® Double Cash Card also has an introductory 0% APR deal. You'll pay 0% intro APR on Balance Transfers for 18 months, and then the ongoing APR of 16.99%-26.99% Variable APR. And don't forget, all of these benefits come at an annual fee of $0, so this card is a thrifty choice. For more information about it, check out our full review here.