Edited by: Juan Ruiz
& Kellie Jez
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19.24% - 29.24% Variable
Fair to Excellent (580-850)
Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!
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.
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.
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.
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 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.
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 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.
This will unlock all of the best ways to redeem Citi ThankYou Points, which include using your points to book luxurious first and business class award tickets!
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
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.
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 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®.
Read more about how these 2 cards compare: Double Cash card vs. Freedom Unlimited card
We’ve compared the Double Cash card to other popular cards:
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 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 card is a great beginner card for those looking to get started in the credit card points world. Thanks to its uncapped 2% ThankYou Points per $1 on all purchases, flexible redemptions, and no annual fee, it makes a great addition to your wallet.
$0 — there is no annual fee on this card.
The foreign transaction fee on the card is 3%.
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 700 and you have a few years of credit history.
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.
The Double Cash card is a Mastercard and is accepted anywhere in the world that Mastercard is accepted.
If you do not also hold a premium ThankYou Point earning card like the Citi Prestige card or Citi Premier card, then your only transfer partner options will be Choice Privileges at a 1:1.5 ratio and Wyndham Rewards and JetBlue TrueBlue at a 1:0.8 ratio.
If you do pair your Double Cash card with a premium ThankYou Rewards card, you will have access to all of Citi’s transfer partners.