Credit card

Citi Double Cash® Card

Cash back

MASTERCARD

Apply for Citi Double Cash® Card

On Citi's secure site

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Card review

Citi Double Cash® Card

4.5 9.0/10 DebitCue Score Verified Jun 20, 2026

Unlimited 2% cash back — simple, no categories needed.

Fee: No fee
Purchase APR: 17.49% - 27.49%
Interest-free: -
Foreign fee: 3%

Rewards

2% cash back on all purchases — 1% when you buy, 1% when you pay. 5% cash back on hotels, car rentals, and attractions booked via Citi Travel.

Welcome offer

$200 cash back (as 20,000 ThankYou Points) after spending $1,500 in the first 6 months.

Our verdict

What stands out, and where it falls short.

What we like

2% cash back on all purchases — 1% when…
Welcome bonus
No card fee
Pay in installments

Worth weighing

3% foreign transaction fee

Who It Is For

Whether the Citi Double Cash® Card fits how you actually spend.

Pick it if you are

Anyone who wants a low-cost everyday card
People who want rewards on their spending
People who pay big purchases off over time

Skip it if you are

Frequent international travelers

Rates and fees

As of June 20, 2026

All amounts shown in USD.

Card fee: No fee
Purchase APR: 17.49% - 27.49%
Interest-free period: -
Foreign transaction fee: 3%
Purchase APR: 17.49%–27.49% variable
Intro Balance Transfer APR: 0% for 18 months, then 17.49%–27.49% variable
Annual Fee: $0
Foreign Transaction Fee: 3%

Rewards and features

Rewards: 2% cash back on all purchases — 1% when you buy, 1% when you pay. 5% cash back on hotels, car rentals, and attractions booked via Citi Travel.
Welcome offer: $200 cash back (as 20,000 ThankYou Points) after spending $1,500 in the first 6 months.
Installments: Citi Flex Pay available (buy-now-pay-later on eligible purchases)
Pay with: Apple Pay, Google Pay, Contactless, Virtual card
Cash Back Delivery: Earned as ThankYou Points; redeemable for cash, statement credit, gift cards, or travel

Benefits and perks

Extras that come bundled with the card.

Extended Warranty

Doubles the original manufacturer or store warranty by up to 24 months on eligible purchases.
$0 Fraud Liability

No liability for unauthorized charges; 24/7 fraud monitoring.

Citi Double Cash® Card: your questions answered

Does the Citi Double Cash® Card have a card fee?

No - the Citi Double Cash® Card has no card fee.

What rewards does the Citi Double Cash® Card earn?

The Citi Double Cash® Card earns 2% cash back on all purchases — 1% when you buy, 1% when you pay. 5% cash back on hotels, car rentals, and attractions booked via Citi Travel..

Does the Citi Double Cash® Card charge foreign transaction fees?

Yes - the Citi Double Cash® Card charges a 3% foreign transaction fee.

What is the interest rate on the Citi Double Cash® Card?

The Citi Double Cash® Card has a purchase APR of 17.49% - 27.49%.

Does the Citi Double Cash® Card have a welcome offer?

Yes - $200 cash back (as 20,000 ThankYou Points) after spending $1,500 in the first 6 months..

Can I pay in installments with the Citi Double Cash® Card?

Yes - Citi Flex Pay available (buy-now-pay-later on eligible purchases).

Is the Citi Double Cash® Card a credit, debit or prepaid card?

The Citi Double Cash® Card is a credit card issued by Citi on the Mastercard network.

Does the Citi Double Cash® Card support Apple Pay and Google Pay?

Yes - the Citi Double Cash® Card works with both Apple Pay and Google Pay.