Citi Double Cash® Card

Earn 2% cash back on every purchase — 1% when you buy, 1% when you pay. No annual fee and no category restrictions.

Last checked on July 23, 2026. We may earn a commission when you click through.

✓ Earn 2% cash back on every purchase ✓ No annual fee ✓ Sign-up bonus of $200 after $1,500 spend in 6 months

Citi Double Cash® Card

Mastercard · cashback

Our Verdict

The Citi Double Cash® Card offers a straightforward cash back structure that rewards consistent spending, making it a solid choice for those looking to maximize their rewards without the hassle of category tracking.

What it really costs

Annual fee	No annual fee
APR Range	18.49% – 28.49%
Rewards2% cash back: 1% on purchases + 1% when you pay	2%
Minimum credit score	700

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Who it's for

Ideal for consumers who prefer a simple cash back structure without worrying about rotating categories or annual fees.

Watch out

While the cash back rate is attractive, be mindful of the high APR if you carry a balance.

The good and the not so good

Earn 2% cash back on every purchase
No annual fee
Sign-up bonus of $200 after $1,500 spend in 6 months
No category restrictions
Good for daily expenses and large purchases

Higher APR range (18.49%-28.49%)
Requires good to excellent credit score
Cash back is earned in two steps
Limited additional rewards or perks compared to some competitors
No introductory 0% APR offer

In-Depth Review

The Citi Double Cash® Card stands out in the crowded cash back credit card market with its straightforward rewards system. Offering 2% cash back on all purchases—1% when you make the purchase and another 1% when you pay your bill—this card appeals to users who appreciate uncomplicated earning structures. The absence of an annual fee is another significant plus, making it accessible for those wary of yearly costs. However, potential cardholders should be cautious of the high APR, which ranges from 18.49% to 28.49%. This could be a disadvantage for those who may need to carry a balance. Additionally, the requirement for a good to excellent credit score (670+) could exclude some applicants. Unlike other cards that offer enticing introductory APR periods or elevated rewards for specific categories, the Double Cash Card is less versatile in that regard. In comparison to competitors like the Chase Freedom Unlimited, which provides a 1.5% cash back on all purchases plus higher rewards in certain categories, the Citi Double Cash may fall short for users seeking more dynamic earning potential. Nevertheless, for those prioritizing simplicity and reliability in cash back rewards, this card is an excellent choice.

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