Get 2% cash back with no annual fee using the Citi Double Cash® Credit Card.
Citi Double Cash® Credit Card
Backed by a major institution, with fraud protection and real-time monitoring.
Ideal for various financial goals, with 0% intro APR on balance transfers.
Consistent 2% cash back and access to Citi Entertainment.
Accepted at physical and online retailers, supports digital wallets.
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Does it have an annual fee?+
No, the Citi Double Cash® Credit Card has no annual fee, allowing you to maximize your rewards without added costs.
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What do I need to apply?+
You’ll need to be at least 18, reside in the U.S., and have good to excellent credit. Income and financial history are also reviewed.
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Where can I use it?+
Anywhere Mastercard is accepted — online, in-store, and abroad. Compatible with Apple Pay, Google Pay, and other wallets.
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How do I manage the card?+
Use the Citi Mobile app or website to track spending, redeem rewards, schedule payments, and manage account settings.
Looking for a no-hassle way to earn cash back on everything you buy? The Citi Double Cash® Credit Card might be just what you need.
This card stands out with its simple and powerful rewards structure: 1% cash back when you make a purchase and 1% when you pay it off — for a total of 2% on every transaction.
Key Benefits of the Citi Double Cash® Credit Card
- 2% total cash back on all purchases — 1% at purchase and 1% at payment.
- No annual fee, so your earnings stay in your pocket.
- 0% intro APR on balance transfers for the first 18 months.
- Flexible redemption: statement credits, gift cards, or direct deposit.
- Access to Citi Entertainment, with special ticket presales and experiences.
Who Should Use the Citi Double Cash® Credit Card?
- People who want a simple and consistent cash back card.
- Savvy spenders who pay off balances regularly and want to maximize returns.
- Anyone looking to transfer a balance and benefit from 0% interest for 18 months.
- Users who prefer cash rewards over points or miles.
Pros and Cons
Pros:
- Unlimited 2% cash back on all purchases
- No annual fee
- 18 months 0% APR on balance transfers
- Straightforward rewards system
- Flexible redemption options
Cons:
- No welcome bonus
- 3% foreign transaction fee
- Requires good to excellent credit
Why We Like the Citi Double Cash® Credit Card
The Citi Double Cash® Credit Card is ideal for users who value clarity, consistency, and real savings. You don’t need to track categories or meet spending thresholds — you just earn on every purchase and payment.
Its dual-cash back system makes it stand out in the market. Whether you use it daily or just for major purchases, the long-term value adds up quickly.
It’s also excellent for debt consolidation, thanks to the 18-month 0% intro APR on balance transfers — giving you space to get your finances on track.
What Makes the Citi Double Cash® Credit Card Stand Out?
Unlike many rewards cards that come with confusing categories or limited perks, the Citi Double Cash® offers a transparent and rewarding experience. You earn 2% cash back on every purchase, without any caps or rotating offers to worry about.
Its lack of an annual fee makes it cost-effective, and the flexibility in redeeming your rewards — whether as cash, credits, or gift cards — gives you full control.
Conclusion
If you want a reliable, rewarding, and easy-to-use credit card, the Citi Double Cash® Credit Card checks all the right boxes.
With unlimited 2% cash back, no annual fee, and valuable perks like Citi Entertainment, this card makes earning rewards truly effortless.
Whether you want to maximize cash back, pay off existing debt, or just simplify your wallet, Citi Double Cash® is a top contender — and it’s easy to apply.
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Citi Double Cash® Credit Card 
BankAmericard Credit Card