Citi
Citi Double Cash Card Review
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People who want a simple flat 2% cash-back rate with an optional long balance-transfer window
Updated for 2026
Overview
The Citi Double Cash earns an effective 2% cash back on everything — 1% at purchase and 1% at payoff — with no annual fee. It also offers an 18-month 0% intro APR on balance transfers, though not on purchases.
| Annual fee | $0 |
|---|---|
| Regular APR | 17.49%–27.49% variable |
| Welcome bonus | $200 cash back after spending $1,500 on purchases in the first 6 months |
| Rewards | 2% cash back on every purchase — 1% when you buy plus 1% when you pay it off, with no caps |
| Recommended credit | Good to Excellent |
Pros & cons
Pros
- Flat, uncapped 2% cash back on all spending
- $200 welcome bonus for a modest $1,500 spend
- No annual fee, plus an 18-month 0% balance-transfer option
Cons
- No 0% intro APR on purchases (balance transfers only)
- You must pay off purchases to collect the second 1%, and a balance-transfer fee applies
Compare with similar cards
Not sure this is the one? Weigh it against other cash back options.
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Advertiser disclosure: this page is supported by advertising and is for information only. Confirm current terms on the issuer's official site before applying.