Citi Double Cash Card — Full Review [2021]

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Citi Double Cash Card — Full Review [2021]

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.

"1% cash-back when you buy, plus 1% when you pay"

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

Learn More (at our partner's secure site)

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 have the option of earning 2% cash-back (1% when you buy and another 1% when you pay) or 2x ThankYou Points on all purchases, all for the same $0 annual fee!

With this change, Citi has turned the Double Cash card into a top choice for those who are looking for an everyday, no-fuss credit card that offers the option to earn both cash-back and travel reward points.


  • Uncapped 2% cash-back (1% when you buy; another 1% when you pay)
  • Flexible redemption options
  • No annual fee

Citi Double Cash - Card Snapshot

The Ideal Cardholder

Person Counting Money
The Double Cash card is perfect for anyone who wants to earn cash-back on every purchase they make. Image Credit: Sharon McCutcheon via Unsplash

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, point-earning structure and flexible redemption options.

Introductory APR

While there is no cash value sign-up bonus, you do get an 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.

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.

Having no specific focus allows you to comfortably and easily earn with your Citibank rewards card. You simply earn 1% cash-back when you purchase, and 1% cash-back when you pay it off.

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 cash-back that you can earn. Whether you spend $1,000 or $100,000 a year, you’ll still earn a total of 2% cash-back.

Plus, if you don’t want to receive cash-back rewards, you can convert them to Citi ThankYou Points. Citi ThankYou Points can be redeemed for travel, gift cards, and more. This effectively allows cardholders to choose between earning cash-back or ThankYou Points on their purchases.

When you consider that the Double Cash Card does not charge an annual fee, being able to earn cash-back or Citi ThankYou Points is rather exceptional!

Bottom Line: For hassle-free, easy rewards, the Double Cash card is one of the most valuable credit cards currently on the market.

Great Card If

  • You want a card that earns flexible rewards
  • 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
  • You want a card with an introductory APR offer

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 — Fees

  • Annual Fee
    • $0
  • Foreign Transaction Fees
    3% of the U.S. dollar amount of each purchase
  • Interest Rates
    • 13.99% to 23.99% variable
  • Balance Transfers
    • Introductory rate of 0% for 18 months from date of first transfer for balance transfers. After that, the variable APR will be 13.99% to 23.99%.
    • Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
    • Balance transfers must be completed within 4 months of account opening
  • Cash Advance APR
    • 25.24% variable
    • Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.

Best Way To Maximize Cash-Back Rewards

Earn 2% cash-back for every purchase you make with the Double Cash card. Image Credit: via Shutterstock

Daily Expenses

Since the Double Cash card does not offer any bonus categories, the best way to maximize your cash-back/point earnings with the card is to use it for every purchase you make. With an uncapped 2% cash-back/2x ThankYou Points per $1 on every purchase you make, this will help you rack up the savings week to week and month to month.

Adding Additional Citi Credit Cards

If you want to optimize your purchases even further, adding additional Citi credit cards is a great way to do that by having multiple cards for multiple purchases.

For example, consider a card like the Citi Premier℠ Card, which earns 3x ThankYou Points per $1 at restaurants, supermarkets, gas stations, air travel, and hotels. With this 2-card setup, you could use the Citi Premier card to earn 3x points on all 5 of the card’s bonus categories, and the Double Cash card on all purchases falling outside of those categories.

Best Way To Redeem Cash-Back Rewards

Citi ThankYou Transfer Partners

If you hold a premium ThankYou Rewards card like the Citi Premier card or the Citi Prestige® Card, you can transfer the points earned from your Double Cash card and have access to the full list of Citi transfer partners.

In our opinion, opting to earn and use Citi ThankYou Points over cash-back is the best redemption strategy. This is because Citi ThankYou Points are incredibly valuable due to their ability to be transferred to select airline partners.

In fact, we value Citi ThankYou Points at 1.6 cents per point, so in our eyes, this effectively earns you 3.2% back on all purchases with your Double Cash card when paired alongside the Citi Premier or Citi Prestige card!

Through Citi’s ThankYou airline transfer partners, you can use the points earned from your Double Cash card and redeem them for first or business class flights to almost anywhere in the world!

Hot Tip: We highly recommend that you opt to earn Citi ThankYou Points instead of cash-back. Put simply, these points can be redeemed for travel experiences that would cost significantly more than the cash-back you would be receiving!

Cash-Back via a Statement Credit or Direct Deposit

If you’re not interested in earning travel rewards then you can redeem for cash-back instead, which is still a solid value. You can either opt to take your cash-back in the form of a statement credit or receive a direct deposit to whichever bank account you have attached to your card.

For convenience’s sake, we recommend just redeeming for a statement credit as you will still get your additional 1% cash-back, but this way you can just apply your rewards directly to your balance to lower your monthly payment.

Citi will also allow you to take your cash-back in the form of a check, but doing so will require you to wait a few weeks to receive it, and then you have to go through the trouble of putting it into your bank before finally using it for purchases. So it makes the most sense to just receive a statement credit.

Gift Cards

Citi will also allow you to receive gift cards in lieu of cash-back. But this almost never makes sense as the monetary value is usually the same either way and there’s no point in tying your cash-back with a specific merchant.

Citi ThankYou Travel Portal

Similar to the Chase Ultimate Rewards Travel Portal, the Citi ThankYou portal allows you to use your points to offset travel purchases like airfare or hotel stays. Your ThankYou Points will be valued at 1 cent per point toward such purchases and you can enjoy perks like no blackout dates.

Citi Transfer PartnerMin TransferTransfer RatioTransfer Time
Aeromexico Club Premier1,0001:1Almost Instantly
Air France / KLM Flying Blue1,0001:1Almost Instantly
American Airlines1,0001:1Almost Instantly
Avianca Airlines Lifemiles1,0001:1Almost Instantly
Cathay Pacific
1,0001:1Almost Instantly
Emirates Skywards1,0001:1Almost Instantly
Etihad Airways1,0001:1Almost Instantly
EVA Air1,0001:12 Days
JetBlue Airways1,0001:1Almost Instantly
JetPrivilege1,0001:1Almost Instantly
Malaysia Airlines1,0001:11-2 Days
Qantas Airways1,0001:1Almost Instantly
Qatar Airways
1,0001:12 Days
Singapore Airlines1,0001:12 Days
Thai Airways1,0001:14 Days
Turkish Airlines1,0001:11-2 Days
Virgin Atlantic1,0001:12 Days

Alternative Cards to the Double Cash Card

Chase Freedom Unlimited® Card

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% 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® Card.

Wells Fargo Propel American Express®

The Wells Fargo Propel card is a great option for those looking for a no annual fee card with many different bonus categories, as the card earns 3x points per $1 on travel, gas, rideshares, transit, restaurants, and streaming services. These points can be redeemed for 1 cent each towards travel, cash-back, gift cards, and more.

Hot Tip: We’ve also compared all of the best no annual fee credit cards on the market to help you narrow down which is the best fit for you. 

The information regarding the Chase Freedom Unlimited® Card, and Wells Fargo Propel American Express® was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 

Frequently asked questions

Is the Double Cash card worth it?

The card is a great beginner card for those looking to get started in the credit card points world.

Though the card only earns cash-back that can be applied as a statement credit, there are no other drawbacks to owning the card (no annual fee, etc.).

The card earns the equivalent of 2% cash-back: 1% when you make the purchase, and the other 1% when you pay the balance off.

What is the Double Cash card annual fee?

$0 — there is no annual fee on this card.

What is the Double Cash card foreign transaction fee?

The foreign transaction fee on the card is 3%.

What credit score is needed for the Double Cash card?

There is no specific credit score required to apply for the Double Cash card, nor is there one that will guarantee your approval should you decide to apply. Citi will take your credit score into consideration, along with other factors like your stated income, years of credit history, and the average age of your credit accounts.

But generally speaking, you should feel good about your approval odds on the Double Cash card if your credit score is at least 740 and you have a few years of credit history.

Which card is better: the Chase Freedom Flex℠ Credit Card or the Double Cash card?

Neither card is necessarily better than the other. But some will find one card to be much better suited for them based on their unique needs.

While neither card charges an annual fee, the Freedom Flex card earns 5% back on rotating quarterly categories, 5% back on travel purchased through the Chase travel portal, 3% back on dining and drugstores, and 1% back on all other purchases.

Meanwhile, the Double Cash card does not offer any bonus categories but earns an uncapped 2% back on all purchases.

So, if your spending patterns mainly fall within the bonus categories of the Freedom Flex card, then that would be a much better fit for you. If your spending habits are varied, or you don’t want to be bothered with memorizing different categories, then go with the Double Cash card.

Do Citi Cash Rewards expire?

Yes, your Cash Rewards balance will expire if you have not earned any cash-back from your purchases or payments in the last 12 months.

How does the Citi Double Cash card work?

With the Double Cash card, you earn 2% cash-back on all purchases. This is awarded as 1% at the time the purchase is made, and the other 1% is received when you make your payment for the purchase.

You can then apply all of your cash-back earned as a statement credit towards your purchases, gift cards, through the Citi travel portal, or convert it to ThankYou Points to redeem with the full range of Citi transfer partners (if you also hold the Citi Premier or Citi Prestige card).

Is the Double Cash card a Visa or Mastercard?

The Double Cash card is a Mastercard and is accepted anywhere in the world that Mastercard is accepted.

Where can I transfer my ThankYou Points earned with the Double Cash card?

If you convert your Double Cash Card’s cash-back to ThankYou Points and do not also hold a ThankYou Rewards credit card like the Citi Prestige card or Citi Premier card, your only transfer partner will be JetBlue.

If you do pair your Double Cash card with a ThankYou Rewards card, you will have access to all of Citi’s transfer partners.

Jarrod West

About Jarrod West

Jarrod first became fascinated with the world of points and miles as the perfect way to visit dream destinations without breaking the bank. On his first major award trip, he spent 3 months traveling through Europe, financed nearly entirely with points; while flying in premium cabins and staying in 5-star hotels along the way. Now, he is on a mission to help others realize their travel goals and upgrade their travel experiences. Jarrod has been writing about credit cards and travel loyalty programs for 4 years, and his work has been featured by Travel and Leisure, Matador Network, Yahoo Finance, and U.S. News.

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Disclaimer: Any comments listed below are not from the bank advertiser, nor have they been reviewed or approved by them. No responsibility will be taken by the bank advertiser for these comments.


  1. Avinash Mahajan March 14, 2018

    I thought the Warranty is added by 2 Years. In fact, if you purchase an extended warranty from the shop then Citi’s warranty kicks off after extended warranty.


  2. Absolutely Terrible. Good luck with the dispute process – this company has horrible customer service that talks to you like you’re a piece of trash. They do not defend the customer. The process for a dispute is easily a full-time job. I had a receipt from the merchant handwritten and an email showing exactly how much money they owed and they still failed the dispute and gave it to the merchant which is more than enough evidence than any average person would have.

    Horrible company that forwards calls overseas to rude people in other countries. I will never use them again. American Express and Visa, here I come all over again. I will never deal with Citi again and if that’s MasterCard’s process I will never deal with them either. Not worth the hassle for the 2%… better off sticking with a 1.5% card and not having to deal with them.


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