Citi Double Cash Card
Review the costs, rewards and application terms that matter for your comparison. Confirm the offer shown to you at the issuer before applying.
Published by Fintiex · Updated 2026-09-24 · How we check information
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Issuer product information and available pricing disclosures reviewed. Terms below apply to the cited public offer; personalized offers and existing accounts can differ.
Selected facts checked 2026-09-24. Official source ↗
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Double Cash: understand the two parts of the reward
How much is 2% on your spending?
A $1,000 eligible purchase generates $10 from the purchase component and another $10 as the matching purchase balance is paid, under Citi’s rules. That totals $20 before interest or fees. It is not a reason to carry debt: interest expense can exceed the cash back.
Purchase rewards and balance transfers work differently
A balance transfer does not earn purchase rewards. Citi’s product page says its introductory balance-transfer APR does not apply to purchases. Read how a transferred balance affects the purchase grace period before using the same card for new spending.
Compare a flat rate with category spending
A higher dining or travel rate can beat a flat rate for those purchases, while earning less on the rest of your budget. Use three months of statements to build a representative spending mix, then compare total rewards after costs. Do not turn an unverified fee into a zero in your calculation.
Analysis updated September 23, 2026. Issuer source · Our editorial process
Compare specific cards
Rates and fees
- Annual fee
- $0
- Purchase APR
- 18.49% to 28.74% variable
- Introductory APR
- 0% on balance transfers for 18 months from account opening, for transfers completed within 4 months. Regular variable APR afterward. No purchase intro APR.
- Balance transfer APR
- 18.49% to 28.74% variable
- Balance transfer fee
- 3% ($5 minimum) for transfers completed within 4 months; then 5% ($5 minimum)
- Cash advance APR
- 29.99% variable
- Cash advance fee
- 5% of each advance, $10 minimum
- Foreign transaction fee
- 3%
Rates shown are the advertised terms in the cited disclosures. Variable APRs can change. Your personalized offer and existing-account terms may differ.
Rewards and welcome offer
$200 after $1,500 in purchases within the first 6 months of account opening. New-account bonus eligibility restrictions apply.
2% total cash back: 1% when buying + 1% as you pay
- Earn 1% when you buy and 1% as you pay, for 2% total cash back on eligible purchases.
Before you apply
- Compare the annual cost with benefits you expect to use. Subtract fees and interest from any reward estimate.
- Confirm any bonus spending deadline and eligibility exclusions. Avoid extra spending solely to earn a promotion.
- We do not publish a minimum approval score without an issuer source. Approval depends on the issuer’s assessment of your application.
How to decide whether this card fits
Start with your purpose: everyday spending, travel, managing existing debt, business purchases or building credit history. Compare products serving that purpose, then check the official pricing disclosure. A high reward multiplier only helps on eligible purchases and at a redemption value you can actually use.
Application links do not establish a paid partnership. See our advertising disclosure. No individual financial advice or approval guarantee is provided.
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