Credit card review
Citi Double Cash Card Review
CitiMastercardCash backBalance transferNo annual fee0% intro APR
Citi Double Cash Card earned 4.8 / 5 in our 2026 review. The Citi Double Cash Card earns 2% on everything with no annual fee, a $200 cash back welcome offer. Here is the full Fintiex review for 2026.
By the Fintiex Card Desk · Updated 2026-04-28
TL;DR
Annual fee
$0
Signup bonus
$200
Top reward rate
2% on everything
Intro APR
0% for 18 mo
Issuer
Citi
Network
Mastercard
Min credit score
670
Fintiex rating
4.8 / 5
Pros
- +Flat 2% back on every purchase, no categories to track
- +0% intro APR on balance transfers for 18 months
- +No annual fee
- +Citi Entertainment access
Cons
- -3% foreign transaction fee
- -5% balance transfer fee (minimum $5)
- -No travel perks or airport lounge access
- -Intro 0% APR applies to balance transfers only, not purchases
Rewards detail
everything else
2%
Rates and fees
Annual fee
$0
Purchase APR
19.24% to 29.24%
Variable, based on prime rate and creditworthiness
Intro APR
0% for 18 months
Balance transfer APR
19.24% to 29.24%
Cash advance APR
29.99%
Balance transfer fee
5%
Or $5 minimum, whichever is greater
Foreign transaction fee
3%
Who it's for
The Double Cash Card is built for people who want a cash back, balance transfer, no annual fee or 0% intro apr card. Most approvals land at FICO 670 and above, but issuers prefer scores near 720. If your credit profile is below the minimum, look at one of the secured or student picks on our hub before applying to avoid an unnecessary hard inquiry.
Not sure this is the right fit? See our best cash back cards roundup.
Compare with similar cards
Frequently asked questions
Does the Double Cash Card have a foreign transaction fee?
Yes. The Citi Double Cash Card charges a 3% foreign transaction fee on purchases made outside the United States. If you travel internationally often, pair this card with a no-foreign-fee travel card.
What credit score do I need for the Double Cash Card?
Approvals typically start around a FICO score of 670, but Citi prefers 720 and above. Income, debt-to-income ratio, and existing relationships with the issuer also factor in.
How much is the Double Cash Card signup bonus?
New cardholders earn $200 cash back after spending $1,500 in the first few months. Fintiex values that at about $200 based on current redemption rates. Match the bonus to a real planned purchase so you do not overspend chasing it.
Does the Double Cash Card have an intro APR?
Yes. The Citi Double Cash Card offers a 18-month 0% intro APR. After the promo period ends, the standard variable APR of 19.24% to 29.24% applies. Pay off the balance before the intro window closes to avoid back interest.
How much is the annual fee on the Double Cash Card?
$0. The Citi Double Cash Card has no annual fee, so the math is simple: every dollar of rewards is pure savings.
Is the Double Cash Card worth it?
Fintiex rates the Citi Double Cash Card 4.8 out of 5 for 2026. It is best for cash back and balance transfer and no annual fee and 0% intro apr. Compare against our top picks in each category before you apply to make sure it matches your spending pattern.
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