The Double Cash earns a flat 2% on everything, paid as 1% when you buy and 1% when you pay the balance, and that simplicity at no annual fee is why it sits fourth on our Best Cash Back list. It's the card for spending that doesn't fit anyone's bonus categories, and 5% on hotels, car rentals, and attractions booked through the Citi Travel portal gives it one bright spot if you book that way. There's a $200 bonus after $1,500 in six months and an 18 month 0% intro APR on balance transfers, which makes it unusually useful as both a payoff card and a long-term keeper. Two limits are worth knowing: the second 1% only lands when you actually pay, so carrying a balance costs you half the rate, and it charges foreign transaction fees, so it isn't the card for trips abroad. As a base layer underneath category cards, it's hard to beat for free.
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 | 17.49%–27.49% 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.
Citi Double CashBased on 2 product changes logged by CreditOdds members in their wallets. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.