Citi Double Cash® Card
A no-fee flat 2% card (1% when you buy, 1% when you pay), but with a 3% foreign transaction fee. Annual fee: $0. Welcome offer: $200 cash back after $1,500 in purchases in the first 6 months.
Welcome offer
| Offer | $200 cash back |
|---|---|
| Spend requirement | $1,500 in purchases |
| Time window | first 6 months |
| Expiration | No end date stated |
Paid as 20,000 ThankYou points. Reported by NerdWallet (Apr 16, 2026); Citi's page left the amounts blank. 0% intro APR on balance transfers for 18 months.
Offers may vary by applicant, channel, referral link and targeting. The offer on the issuer's own application page is the one that applies.
Earning rates
| Category | Rate | Notes |
|---|---|---|
| Hotels, car rentals and attractions via Citi Travel | 5% total | |
| Everything else | 2% total | 1% on purchase, 1% on payment. |
Benefits and credits
Other benefits
- Redeem as statement credit, direct deposit or check, or as ThankYou points.
Restrictions
- The 2% earn needs you to pay the bill; the second 1% is earned as you pay.
Strategies
- Citi says it is now its only remaining true cash-back card after Custom Cash closed to new applicants (NerdWallet, May 28, 2026).
Best categories: 5% total at hotels, car rentals and attractions via citi travel; 2% total at everything else.
Compare with: Chase Freedom Unlimited®, Chase Freedom Flex®, Blue Cash Preferred® Card from American Express, Blue Cash Everyday® Card from American Express. Or try the Best Card Finder with your own spending.
Sources and freshness
Fees and benefits come from Citi's official page where shown. Citi's page left welcome amounts blank, so offers come from dated third-party reports named in the offer note.
Last updated: . Verification status: checked against the sources above.