Earn Unlimited 2% Cash Back On All Purchases

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Pay 0% Interest On Balance Transfers Until 2026 with This Incredible Cashback Card

Pay down debt faster with the Citi Double Cash® Card. Earn a flat 2% cash back on everything by getting 1% when you purchase and another 1% when you pay your bill. Plus, you could earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. Simplify your finances and boost your rewards, all with one powerful card.

Why We Like This Card

0% Intro APR On Balance Transfers For 18 Months 0% intro APR on Balance Transfers for 18 months, and then the ongoing APR of 19.24%-29.24% Variable APR. This gives you the chance to pay down debt faster if you're carrying a large credit card balance on another card.
Huge Cash Back Rewards: 2% cash back on everything — 1% when you make it and 1% when you pay it off.
Welcome Bonus: Earn 20,000 ThankYou® Points bonus after spending $1500 in purchases in the first 3 months (which can be redeemed for $200 cash back).
No Annual Fee: Cash back rewards with $0 annual fee

Why This Card Stands Out

The combined 2% rewards rate — 1% when you make a purchase and 1% when you pay it off — is among the best on any cash-back card, especially for an annual fee of $0.

Plus, you could earn 20,000 ThankYou® Points after you spend $1,500 on purchases in the first 6 months of account opening, and those points can be redeemed for $200 cash back in the form of a direct deposit, statement credit or a check.

Who Can Benefit From This Card

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Rewards are unlimited and the annual fee is $0, making the card versatile and dependable.

How To Apply For This Card

Step 1: Click here to apply for the Citi Double Cash® card
Step 2: Provide your personal and financial details in the form provided
Step 3: Submit your application. You could receive a decision from Citi within a couple minutes

No Annual Fee & More

Annual fees may be the cost of entry for more premium rewards cards, but they do eat into these cards’ yearly value. The $0 annual fee makes this an easy card to hold onto for a long time. Other key perks include:

Simplicity: With the Citi Double Cash® Card, you can be a lazy optimizer and whip out the same card all the time, without thinking about where you’re using the card and whether you’ve reached the limit for a bonus spending category.

Flexibility: Even though the Citi Double Cash® Card is considered a cash-back credit card, technically what you're earning are Citi ThankYou points. And while those points can easily be turned into cash at a rate of a penny each, they could potentially be even more valuable when used for travel. The card features a handful of travel partners, including JetBlue, Wyndham and Choice Privileges, and depending on your credit card strategy and travel goals, this conversion flexibility could potentially increase the value of your rewards, should you find a good deal on flights or hotels with those partners.

0% Intro APR On Balance Transfers For 18 Months: 0% intro APR on Balance Transfers for 18 months, and then the ongoing APR of 19.24%-29.24% Variable APR. This gives you the chance to pay down debt faster if you're carrying a large credit card balance on another card.

Card Summary

The Citi Double Cash® Card is a valuable workhorse among credit cards. With superior flat-rate cash back, it’s ideal for consumers who want low-hassle cash rewards on everything they charge. What it lacks in sizzle, it makes up for in daily dependability.