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Feb 13 2020

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Citi® Double Cash Card review

In a Nutshell

We think it’s important for you to understand how we make money. It’s pretty simple, actually. The offers for financial products you see on our platform come from companies who pay us. The money we make helps us give you access to free credit scores and reports and helps us create our other great tools and educational materials.

Compensation may factor into how and where products appear on our platform (and in what order). But since we generally make money when you find an offer you like and get, we try to show you offers we think are a good match for you. That’s why we provide features like your Approval Odds and savings estimates.

Of course, the offers on our platform don’t represent all financial products out there, but our goal is to show you as many great options as we can.

This offer is no longer available on our site: The Amex EveryDay® Credit Card from American Express

Citi® Double Cash Card

From cardholders in the last year

Purchase Intro APR

Balance Transfer Intro APR

Regular APR

15.74% – 25.74%* Variable

Annual Fee

Additional Rates and Fees

  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.74% – 25.74% based on your creditworthiness*
  • Click ‘Apply Now’ to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
  • No categories to track, no caps on cash back, no annual fee*

* See the online provider’s credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the “Apply Now” button, you can review the credit card terms and conditions on the provider’s website.

Citi® Double Cash Card: Core features you need to know

The Citi® Double Cash Card is one of the best flat-rate cash back credit cards on the market, primarily because of its high rewards rate — many flat-rate cards top out at 1.5%. And while new cardholders won’t get a cash sign-up bonus, they can transfer a balance from another credit card.

Cash back rewards rate

The card offers a flat 2% cash back on every purchase you make — that’s 1% back when you make the purchase and then another 1% back when you pay it off. There aren’t many credit cards that offer a higher flat rewards rate over the long term.

You can redeem your cash back for a paper check, statement credit or a deposit into a linked Citi checking or savings account, or to a checking account you’ve used at least twice to pay a Citi credit card bill. The minimum redemption amount is $25.

Introductory balance transfer offer

If you have a high-interest balance on another credit card, you can transfer that balance to the Citi® Double Cash Card and get an introductory 0% balance transfer APR for 18 months after opening the account. After that, the regular variable APR for balance transfers will jump to the variable purchase APR of 15.74% – 25.74%, based on your creditworthiness.

A couple of things to keep in mind if you want to take advantage of this benefit: You need to request the transfer within four months of opening your account to get the intro balance transfer APR offer. Also, there’s a balance transfer fee of 3% (minimum $5).

One last thing: There’s no 0% APR promotion on purchases. That’s one more reason not to make purchases on this card until after you pay off your balance transfer. To help avoid the risk of adding to your overall debt when you make a balance transfer, it’s best practice to wipe out your balance transfer debt before making any purchases on the card.

No annual fee

The card has an annual fee of $0, so you don’t have to worry about earning enough rewards to make up for one.

That said, the Citi® Double Cash Card’s interest rate can be steep. If you’re planning to carry a balance, know that the interest charges will eat into the value you get from the rewards, and potentially neutralize it altogether.

Other card details to know

The Citi® Double Cash Card is relatively simple, so you won’t get a lot of extra frills. But there are some notable benefits, including …

  • Citi Private Pass, which offers special access to presale tickets and VIP packages to various events
  • Lost Wallet Service, including a card replacement, often within 24 hours and the option for emergency cash based on your cash advance limit (but remember, there can be a lot of fees and extra interest associated with cash advances)
  • A pass on your first late fee

Who this card is good for

The Citi® Double Cash Card is a solid choice for people who want a great rewards rate but don’t want to bother with keeping track of bonus rewards categories.

But even if you do have a credit card with bonus rewards on certain spending categories, it may be handy to also have this card in your wallet for any purchases outside of the bonus categories that earn less than 2%.

The card’s long intro balance transfer APR promotion makes it an excellent option for someone looking to pay down high-interest credit card debt. And while it does charge a balance transfer fee of 3% (minimum $5), you can make up for that fee over time with rewards earned on new purchases after you’ve paid off the balance transfer.

Not sure this is the card for you? Consider these alternatives.

The Citi® Double Cash Card is an excellent card, but it may not be the right fit for every cardholder. If you’re on the fence, here are some other cards to compare.

  • Chase Freedom Unlimited®: This card could be a good match if you’re looking to make a big purchase soon but still want that flat-rate cash back. Read our review of the Chase Freedom Unlimited®.
  • Chase Freedom®: If you love looking for opportunities to maximize your credit card rewards, this card could be for you. For more information, read our review of the Chase Freedom®.
  • The Amex EveryDay® Credit Card from American Express: This card may be perfect for people who want to transfer a balance and still earn rewards. Read our review of The Amex EveryDay® Credit Card from American Express to learn more.

Find a credit card that works for me Explore Cards Now

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