The Citi Double Cash Card delivers one of the highest flat-rate cash back returns available with no annual fee. Here’s our complete review of this straightforward rewards card.
Quick Overview
- Annual Fee: $0
- APR: 19.24% – 29.24% Variable
- Rewards Rate: 2% on all purchases (1% when you buy, 1% when you pay)
- Sign-up Bonus: None currently offered
- Best For: Simple, consistent cash back on everything
Why We Recommend It
The Citi Double Cash Card offers unbeatable simplicity—earn 2% cash back on every single purchase with no categories to track or activate. While it lacks a sign-up bonus, the consistently high earning rate makes this one of the best no-annual-fee cards for everyday spending. The unique two-step earning structure (1% when you buy, 1% when you pay) encourages responsible credit use.
Rewards & Benefits
Cash back earning structure:
- 1% cash back when you make purchases
- 1% cash back when you pay for those purchases
- No earning caps or category restrictions
- Cash back never expires as long as account is open
Additional benefits include:
- 0% intro APR on balance transfers for 18 months (then 19.24% – 29.24%)
- Access to Citi Entertainment (presale tickets and exclusive experiences)
- 24/7 customer service
- Digital wallet compatible (Apple Pay, Google Pay, Samsung Pay)
- Free FICO Score access
Fees & Rates
- Annual fee: $0
- Purchase APR: 19.24% – 29.24% Variable
- Balance transfer fee: 3% for first 4 months, then 5%
- Foreign transaction fee: 3%
- Cash advance fee: 5% ($10 minimum)
Who Should Get This Card
The Citi Double Cash Card is ideal for:
- People who want maximum simplicity in rewards
- Those who pay their balance in full each month
- Shoppers who don’t want to track rotating categories
- Anyone seeking a reliable everyday spending card
This card is NOT ideal for:
- International travelers (3% foreign transaction fee)
- Those who carry balances (you only earn the second 1% when you pay)
- People seeking a large sign-up bonus
The Bottom Line
The Citi Double Cash Card is the gold standard for flat-rate cash back cards. While it lacks flashy perks or sign-up bonuses, the consistent 2% return on all purchases makes it an excellent foundation for any wallet. For those who value simplicity over complexity and pay their bills on time, this card delivers unbeatable long-term value.
This card is offered by Citi. CleverCreditCards.com may receive compensation if you apply and are approved.