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Citi Double Cash® Card

Issued by Citi

2% on everything (1% when you buy + 1% when you pay).

At a Glance

Annual Fee

$0

Purchase APR

17.49%–27.49%

Rewards Rate

2% on everything (1% when you buy + 1% when you pay)

Min. Credit Score

680+ (est.)

Intro APR

0% on balance transfers for 18 months (3% BT fee)

Rates & Fees

Annual Fee

$0

Purchase APR

17.49%–27.49% variable

Intro APR

0% on balance transfers for 18 months (3% BT fee)

Foreign Transaction Fee

3%

Balance Transfer Fee

3% intro (min $5) for the first 18 months, then 5% ($5 min)

Cash Advance Fee

5% or $10 minimum, whichever is greater

Late Payment Fee

Up to $41

Estimate Your Rewards

See how this card fits your monthly spending

Enter your typical monthly spend by category to see roughly what the Citi Double Cash® Card would earn you per year (this doesn't include any one-time sign-up bonus).

$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$1,500/mo
$/mo
$0/mo$3,000/mo

Est. Annual Rewards

$468/yr

After $0 Annual Fee

$468/yr

Based On

$1,950/mo

Key Features

Unlimited 2% cash back

No category tracking needed

Balance transfer offer

Pros & Cons

Pros

  • Simple flat-rate rewards
  • No annual fee
  • Long 0% BT intro period

Tradeoffs

  • No signup bonus
  • Foreign transaction fee (3%)
  • Needs good credit

How to Apply

Check whether your credit profile is a reasonable fit — Citi generally looks for applicants around 680+ FICO for the Citi Double Cash® Card, alongside income and existing debt.

Gather your Social Security number, annual income, housing payment, and employer details before starting the application.

Apply directly through Citi's official site or app to make sure you're getting current, accurate offer terms.

Most issuers give an instant decision online; some applications are sent to manual review, which can take 7–10 business days.

If approved, activate the card and set up autopay before your first statement is due to avoid a late payment.

How It Compares

Current product highlighted
ProductAnnual FeePurchase APRRewards Rate
Citi Double Cash® Card$017.49%–27.49%2% on everything (1% when you buy + 1% when you pay)
American Express® Gold Card$32519.49%–28.49%4x restaurants (up to $50k/yr) & US supermarkets (up to $25k/yr), 5x prepaid hotels, 3x flights
Discover it® Cash Back$017.49%–26.49%5% in rotating quarterly categories (up to $1,500/qtr), 1% everything else
Wells Fargo Active Cash® Card$018.49%–28.49%Unlimited 2% cash rewards on all purchases

Frequently Asked Questions

What credit score do I need for the Citi Double Cash® Card?

Citi generally looks for applicants with a credit score around 680+ for the Citi Double Cash® Card, though approval also depends on your income, existing debt, and overall credit profile — not credit score alone.

What's the annual fee on the Citi Double Cash® Card?

The Citi Double Cash® Card has no annual fee, so there's no ongoing cost to keep the card open.

Does the Citi Double Cash® Card have a sign-up bonus?

The Citi Double Cash® Card doesn't currently advertise a promotional sign-up bonus — its value comes primarily from its ongoing rewards rate rather than a one-time bonus.

What fees should I watch for on the Citi Double Cash® Card?

Beyond the annual fee, check the foreign transaction fee (3%), balance transfer fee (3% intro (min $5) for the first 18 months, then 5% ($5 min)), cash advance fee (5% or $10 minimum, whichever is greater), and late payment fee (Up to $41). These matter most if you carry a balance, transfer debt, or use the card internationally.

How does the Citi Double Cash® Card compare to similar cards?

The Citi Double Cash® Card is one of several cashback cards worth comparing side by side — see the "How It Compares" table on this page for a few close alternatives, or browse the full list of cashback cards for more options.

Other Credit Cards

American Express® Gold Card

4x restaurants (up to $50k/yr) & US supermarkets (up to $25k/yr), 5x prepaid hotels, 3x flights

Discover it® Cash Back

5% in rotating quarterly categories (up to $1,500/qtr), 1% everything else

Wells Fargo Active Cash® Card

Unlimited 2% cash rewards on all purchases

Rates, fees, and rewards shown are illustrative as of 2026 and subject to change — always confirm current terms directly with the issuer before applying.

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