- Sign-Up Bonus
- 3
- Spending Multipliers
- 3.5
- Credits & Features
- 0
- Fees
- 4.5
- Application
- 5
- Issuer
- NaN
Summary
- Sign-Up Bonus
- 3
- Spending Multipliers
- 3.5
- Credits & Features
- 0
- Fees
- 4.5
- Application
- 5
- Issuer
- NaN
The Citi Double Cash Card from Citibank is a top choice for value-driven consumers who want simple, high-earning cash back without an annual fee. With an industry-leading 2% cash back on all purchases — 1% when you buy and 1% when you pay — this card is ideal for shoppers who prefer a straightforward rewards structure rather than rotating or category-based bonuses. Cardholders also benefit from an extended warranty on eligible purchases and added security through the ID Theft Protection program offered by Mastercard, making it a strong everyday card for building rewards on routine spending. While the 3% foreign transaction fee makes it less suitable for international travel, the Citi Double Cash card is perfect for domestic spenders who want dependable cash back and low ongoing costs, especially those who don’t want to track bonus categories or pay an annual fee.
Pros
Cons
Issuer
Spending Multipliers
Credits & Features
Application
- Citi has a strict 8/65 rule, meaning you can only apply for 1 Citi card every 8 days and at most 2 Citi cards every 65 days
- Number of hard pulls have a huge impact on Citi applications, consider having less than 6 hard pulls in the past 6 months
- Consider having at least a credit history for 6 months
Fees
- No Annual Fee
- 3% Foreign Transaction Fee
- Up to $41 late fee
- Up to $41 return payment fee
- 17.49% - 27.49% Variable APR
- 29.74% APR for Cash Advance
- $10 or 5% of each cash advance amount (whichever is greater)
- 17.49% - 27.49% APR for Balance Transfer
- $5 or 5% of each transfer amount (whichever is greater)