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Citi Double Cash® Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
4.26
$200 cash-back
$0
0% Intro APR for 18 months on balance transfers, then 18.49% to 28.49% Variable
Fair to Excellent (580-850)
Citi Double Cash® Card
Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
4.26
Summary
The Citi Double Cash® Card has long been one of the top cash-back credit cards on the market, and the card now has the ability to earn Citi ThankYou Points!
This means that cardholders of the Double Cash card will now earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Cash back is earned in the form of ThankYou Points. This means each billing cycle, you will earn 1 ThankYou point per $1 spent on purchases and an additional ThankYou point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.
Citi has turned the Double Cash card into a top choice for those who are looking for an everyday, no-fuss credit card.
Card Details
Card Snapshot
Welcome Bonus & Info
Bonus Offer: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
To earn cash back, pay at least the minimum due on time.
Balance Transfer Only Offer: 0% Intro APR for 18 months on balance transfers; after that, the variable APR will be 18.49% to 28.49%, based on your creditworthiness. Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Citi Double Cash® Card Travel Portal Special Offer Earn a total of 5 ThankYou® Points per $1 spent on hotel, car rental, and attractions, excluding air travel, when booked through the Citi Travel℠ portal via cititravel.com or by calling 1-833-737-1288 (TTY: 711). Offer is valid through 12/31/2025.
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The ratings for these cards have been determined
by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards
as well as rates and fees are all taken into account. Compensation from the issuer does not affect
our rating. We only recommend products we either use ourselves or endorse.
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1094+ Expert Credit Card Guides
Great Card If
You want a card with no annual fee
You prefer a card with a basic earning structure, so you don’t have to memorize bonus categories
Don’t Get If
You want a card that offers premium travel perks
You want a card that does not charge foreign transaction fees
You want a card that offers bonus categories for the things you spend the most on
Double Cash Card — Is It Worth It?
The Double Cash card is an excellent option for those who are looking for a no-annual-fee card that offers a simple but strong earning structure and flexible redemption options.
Since you earn an uncapped 2% back on all purchases (1% at time of purchase and 1% when you pay), without an annual fee, the Citi Double Cash is easily one of the best credit cards for monthly bills and other non-bonused purchases.
Double Cash Card Top Benefits
Introductory APR
Since the typical user of this card is not spending heavily in any given category, they may want to use this card as a way to float some cash.
0% intro APR on balance transfers for 18 months. After that, the variable APR will be 18.49% to 28.49%
There is absolutely no hassle as long as you pay the minimum fee each month (go to the Citibank login right away and set up autopay), allowing you to accrue some quick cash if you need it.
If you’re using the intro APR, just be sure you’ve got a plan to have the cash available by the end of the introductory offer; the APR will be retroactive for anything not paid off by that time.
Other Benefits of the Double Cash Card
While this card is a fairly simple, no-frills card, there are a few more benefits worth mentioning.
First, there is no maximum to the double rewards that you can earn. Whether you spend $1,000 or $100,000 a year, you’ll still earn a total of 2% on all purchases (1% at time of purchase and 1% when you pay).
Plus, your Citi ThankYou Points can be redeemed for cash-back, travel, gift cards, and more.
Double Cash cardholders can transfer their ThankYou Points to Choice Privileges at a 1:1.5 ratio and Wyndham Rewards and JetBlue TrueBlue at a 1:0.8 ratio. But, if you have a premium Citi ThankYou Rewards card like the Citi Strata Premier℠ Card or Citi Prestige® Card, you can pool your points together between the cards and then transfer them to any of the full suite of Citi ThankYou transfer partners.
Best Ways To Earn and Redeem Your Citi Points
While you’ll rack up Citi ThankYou Points fast (which is earned as points), there are lots of other great options that help you earn more Citi ThankYou Points, as well.
When it comes time to redeem, the best option goes to those who also hold a premium ThankYou Rewards card like the Citi Strata Premier card or the Citi Prestige card, as they can transfer the points earned from your Double Cash card and have access to the full list of Citi transfer partners.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Up to $300 cash-back
$0
0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Why We Like This Card
The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.
When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.
Pros & Cons
Pros
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.
INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
Enjoy 6.5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel℠, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.
No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
Member FDIC
Financial Snapshot
APR: 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 19.74% - 28.49%.
Foreign Transaction Fees: 3% of each transaction in U.S. dollars
The Freedom Unlimited card is another compelling no-annual-fee card but earns 5% back on travel through the Chase travel portal, 3% back on dining and drugstore purchases, plus 1.5% cash-back on all other purchases instead of 2%, 1% at the time of purchase and 1% when you pay, offered with the Double Cash card. The Freedom Unlimited card can also earn Chase Ultimate Reward points when paired with a premium Chase card like the Chase Sapphire Preferred® Card or the Chase Sapphire Reserve®.
The information regarding the Capital One Venture Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Citi Double Cash® Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information for the Citi Prestige® Card has been collected independently by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Chase Freedom Flex℠ was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Citi Strata Premier℠ Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
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