The Double Cash earns a flat 2% on everything, paid as 1% when you buy and 1% when you pay it off, with no annual fee and no categories to track. That simplicity is the point, and it is why the card holds #3 on our Best Cash Back Credit Cards list: for spending that falls outside every other card's bonus categories, 2% is a solid floor. There is also 5% back on hotels, car rentals and attractions booked through the Citi Travel portal, though portal booking carries the usual tradeoffs in price and flexibility. New cardholders get $200 after $1,500 in six months plus 18 months of 0% intro APR on balance transfers, but note that the intro rate does not extend to purchases. The one real drawback is the foreign transaction fee, so keep a different card for trips abroad.
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.
Citi Double CashBased on 20 reported product changes. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.