Citi Double Cash® Credit Card – The Simpler Way to Maximize Every Dollar

In a crowded credit card market full of rotating categories and complex reward systems, the Citi Double Cash® Credit Card stands out with its simplicity, consistency, and value.

This card doesn’t chase gimmicks. It delivers 2% cash back on all purchases—1% when you make a purchase, and another 1% when you pay it off. That’s it. No hoops, no categories, no confusion.

• Earn 1% cash back when you make a purchase
• Earn 1% cash back again when you pay for it

That means every swipe, tap, or click earns you a total of 2% back. It’s one of the most straightforward and highest flat-rate cash-back offers available in the market.

There’s no annual fee, making this card a go-to for budget-conscious users or those who want a no-commitment cash back option.

Even occasional spenders can profit from this card with no pressure to offset a fee.

• Introductory APR on balance transfers (terms vary by offer)
• Great for transferring high-interest balances from other cards
• 3% or $5 balance transfer fee (whichever is greater)

If used wisely, this card can help you save significantly on interest and take control of your finances.

• Direct deposit
• Statement credit
• Mailed check
• Convert to Citi ThankYou® Points if you also hold a premium Citi card (like Citi Premier®)

This makes the Double Cash a great base card that gets even better when paired with other Citi cards.

• Has no quarterly activation
• No earning caps
• No special category limits

You earn consistent rewards no matter what you’re buying—from groceries to gas, electronics to online subscriptions.

• $0 liability for unauthorized purchases
• Fraud detection and alerts
• Virtual card numbers for safer online transactions
• Citi mobile app for real-time tracking and management

One downside:

💡 3% foreign transaction fee applies, making it less ideal for international travel. Stick to domestic use or online purchases from U.S.-based merchants.

• Everyday spenders who want steady rewards
• Minimalists tired of rotating categories
• Debt consolidators seeking a smart balance transfer tool
• Cash-back enthusiasts looking for a long-term keeper card

• You can apply directly through the Citi website, via the mobile app, or in-branch.
• Approval is typically easier with:
• A good to excellent credit score (690+ recommended)
• A steady income and low credit utilization