Best for no-frills cash-back rewards
The Citi Double Cash Card takes all of the stress and complication away from credit card rewards with a simple (yet lucrative) 2% earning scheme and straightforward cash-back redemption options. (Partner offer)
At a glance
- 1% 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.
- 5% Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
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Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
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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. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
At a glance
- 1% 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.
- 5% Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
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Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
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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. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
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Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
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Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
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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.
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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).
Our Take
TPG Editor's Rating
Overview
If you want a simple cash-back card with no annual fee that’ll let you maximize every purchase, the Citi Double Cash Card is a great pick. Cardholders will earn 2% cash back — 1% at the register when you checkout and 1% when you pay off your bill. You can redeem your rewards by requesting a check, a statement credit or a direct deposit into your Citi checking or savings account.
Pros
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Earning 2% back on every purchase
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Now that you have the ability to convert rewards to ThankYou points with an eligible card, your redemption options are even more flexible
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No annual fee
Cons
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No bonus categories
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Those looking to make a balance transfer will have to pay 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)
Who is this card good for?
The Citi Double Cash Card caters to beginners establishing good credit habits, since users will earn 2% cash back — 1% when they buy and 1% when they pay their statement. This incentivizes users to pay on time and in full, not only to earn more cash-back rewards but also to help increase their credit score. If navigating the world of points and miles feels like too much work, the Citi Double Cash is a great choice for those seeking a simple earning structure.
Earning Rewards
Cardholders earn a 2% flat rate across all purchases — 1% when they make a purchase and another 1% after paying their bill.