The Double Cash earns a flat 2% on everything, 1% when you buy and 1% when you pay, with no annual fee and no categories to track, which is why it is our Best Value pick among cash back cards. It also earns 5% on hotels, car rentals, and attractions booked through the Citi Travel portal, and new cardholders can earn a $200 bonus after $1,500 in spending within six months. An 18-month 0% intro APR on balance transfers adds flexibility if you are carrying a balance from another card, though there is no intro rate on new purchases. The main catch is the foreign transaction fee, which makes it a poor choice for spending abroad, and you only collect the full 2% once you pay your bill. As a simple, durable everyday card or a base to pair with category cards, it is hard to beat.
Earn rates & credits
| Category | Rate |
|---|---|
Travel (via Portal) Hotels, car rentals, and attractions booked through Citi Travel portal (2% base + 3% bonus) | 5% |
Everything Else 1% when you buy, 1% when you pay | 2% |
Card details
Regular APR | 18.24%–28.49% variable |
Intro APR on balance transfers | 0% for 18 months |
Foreign transaction fee | Yes |
Approval odds
Product changes
Where cardholders came from before landing on this card, and what they moved it to afterwards. Thicker flows carry a larger share of the changes in that direction.
Based on 21 reported product changes. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.