The Bottom Line

The Citi Double Cash® Card is one of the simplest, most rewarding cards available. It delivers a 2% flat-rate cash back with no caps or category tracking. Add in a strong intro APR for balance transfers and no annual fee, and you’ve got one of the best value cards on the market.

Why We Rate This Card So Highly

Unlike cards that push rotating bonus categories or spending hoops, this card thrives on simplicity. Every purchase earns 2% total cash back (1% when you buy, 1% when you pay). Whether you’re grocery shopping or paying utility bills, you earn at the same strong rate.

Plus, the balance transfer offer — 0% Intro APR on Balance for 18 months (18.24%-28.24% Variable APR afterward) — provides a strategic opportunity to reduce or eliminate interest on existing debt.

This card is particularly attractive to those who:

• Want effortless rewards on everyday spending

• Appreciate a generous intro offer and no annual fee

• Need breathing room to pay off a transferred balance without accruing interest (until almost 2027 if you signed up today)

Benefits Beyond 2% Cash Back

On top of the headline cash back rate, the Citi Double Cash® Card offers these standout features:

• 0% Intro APR on Balance Transfers: For 18 months (18.24%-28.24% Variable APR afterward), giving you flexibility to manage high-interest debt.

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.

• No Annual Fee: More of your rewards stay in your pocket, with nothing lost to maintenance costs.

While it lacks some travel perks or category bonuses, it excels as a dependable everyday cash back tool.

A Hard-to-Beat Combo of Rewards and Savings

Very few cards offer a true 2% cash back rate combined with a long intro APR on balance transfers — especially without charging an annual fee. It's a rare triple threat: high rewards, low interest opportunity, and no annual fee.

If you’ve got a balance to manage or just want a powerful everyday card, this offer checks all the boxes.

Recommended Credit Score

While approval isn’t guaranteed, applicants with a FICO® Score of 630 or higher tend to have better odds. That said, Citi reviews applications holistically, so even applicants with fair credit might qualify, depending on income and credit history.

A Smart Choice For:

• People looking for high, consistent rewards on every purchase

• Those interested in transferring balances to avoid interest for over a year

• Budget-conscious consumers who want a reliable card with no annual fee