Citi Double Cash
Editor reviewedThe 2% flat-rate benchmark, now with an 18-month balance transfer window
Rates verified July 23, 2026Apply nowTracked since2026
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The Bottom Line
Annual fee
$0
Biggest pro
Benchmark 2% flat rate
Biggest con
No purchase intro APR
At a glance
Rates verified July 23, 2026- Annual fee
- $0
- Rewards
- 2% on everything (1% buy + 1% pay)
- Welcome bonus
- $200 (as 20,000 ThankYou points) after $1,500 in 6 months
- Regular APR
- 17.49%-27.49% variable
- Intro APR
- 0% for 18 months on balance transfers only
- Recommended credit
- good (670+)
- Issuer
- Citi
- Network
- Mastercard
Is it worth it?
No annual fee, so rewards are pure upside
There is no annual fee to earn back, so every dollar of rewards is money ahead. Weigh the regular APR before carrying a balance, since interest quickly outweighs any rewards.
What is Citi Double Cash?
The 2% yardstick every other cash-back card is measured against. It pays 1% when you buy and 1% when you pay, on everything, with no annual fee, and it is one of the rare cards combining real rewards with a long balance transfer offer.
There is no annual fee. The regular APR is 17.49% to 27.49% variable, with a 0% intro APR for 18 months on balance transfers only; there is no purchase intro APR. The welcome bonus is $200, delivered as 20,000 ThankYou points, after $1,500 in 6 months. The card earns full ThankYou points, which become transferable when paired with a Strata Premier or Elite. The intro balance transfer fee is 3% in the first 4 months, then 5%.
The catch: no intro APR on purchases, and a 3% foreign transaction fee.
Pros & Cons
Pros
- Benchmark 2% flat rate
- Rare combo of rewards plus a long balance transfer offer
Cons
- No purchase intro APR
- 3% foreign transaction fee
Key details
2% on everything (1% when you buy, 1% when you pay)0% intro APR for 18 months on balance transfersEarns full ThankYou points, transferable when paired with Strata Premier/EliteIntro 3% balance transfer fee (first 4 months), then 5%$200 bonus (as 20,000 ThankYou points) after $1,500 in 6 months
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Citi Double Cash FAQ
What is the annual fee on the Citi Double Cash?
There is no annual fee.
What is the current welcome bonus?
$200, delivered as 20,000 ThankYou points, after spending $1,500 in the first 6 months.
What credit score do you need?
Good credit, roughly 670 or higher.
Source: citi.com