Citi
Citi Double Cash Credit Card
Estimated value every year on typical spending
$624/ year
Every year, after the annual fee. No welcome bonus.
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
With no annual fee, the Citi Double Cash Credit Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $624 a year on typical spending.
The fine print
- Intro APR
- 0% for the first 18 months
- Regular APR
- 19.99% to 28.99% variable
- Foreign fee
- 3%
- Rewards paid as
- Cash back
- Approval
- Good credit recommended
- Redeem for
- Statement credit · Direct deposit · Gift cards
Rewards
- 2% cash back on purchases: 1% when you buy
- 1% as you pay, with no category enrollment, caps, or annual fee
Sign-up bonus
None
Best for
- Simple flat-rate cash back
- Keeping costs at $0
Not ideal for
- Frequent international travelers
Trade-offs: Simple and low-cost ↔ not a rewards maximizer.
Worth knowing
- Annual fee
- $0
- Intro APR
- 0% for the first 18 months
- Regular APR
- 19.99% to 28.99% variable
- Balance transfer fee
- 3% of each transfer ($5 minimum) for the first 4 months, then 5%
- $1200/mo on everyday spending earns about $288/year (2%).
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
Citi Double Cash Credit Card: questions people ask
Is the Citi Double Cash Credit Card worth it?
With no annual fee, the Citi Double Cash Credit Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $624 a year on typical spending.
What is the Citi Double Cash Credit Card annual fee?
The Citi Double Cash Credit Card has no annual fee ($0).
What does the Citi Double Cash Credit Card earn?
2% cash back on purchases: 1% when you buy. 1% as you pay, with no category enrollment, caps, or annual fee.
What credit score do you need for the Citi Double Cash Credit Card?
The issuer recommends good/excellent credit. Checking your matches on CardFit never runs a credit check.
Does the Citi Double Cash Credit Card charge foreign transaction fees?
Yes: 3%.
Does the Citi Double Cash Credit Card have a 0% intro APR?
0% for the first 18 months. After that the regular APR is 19.99% to 28.99% variable.
Compare Citi Double Cash Credit Card
- vs Active Cash Credit Card
- vs Chase Freedom Unlimited
- vs Quicksilver Cash Back Rewards Card
- vs Bank of America Unlimited Cash Rewards Credit Card
- Best cards to pair with it
- Best cash back cards
- Best no annual fee cards
- Best dining and restaurant cards
- Best grocery cards
- Best gas cards
- Best no annual fee cash back cards
- Best no annual fee dining cards
- Best no annual fee grocery cards
- Best balance transfer cards
- Best fair credit cards
Similar cards
- American ExpressBlue Cash Preferred Card$607/yr · $95 fee
- American ExpressBlue Cash Everyday Card$480/yr · $0 fee
- ChaseChase Freedom Unlimited$540/yr · $0 fee
- ChaseChase Freedom Flex$408/yr · $0 fee
Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Citi product page. Terms change often; confirm them with the issuer before you apply.