Advertiser Disclosure: Some of the offers on this page are from companies that compensate CreditMango. This compensation may affect which products we write about and where they appear, but it does not affect our editorial evaluations. Our opinions are our own. Learn more
Annual Fee$0
APR17.74% - 27.74%
Sign-up Bonus$200 cash back~$200 value
Rewards2% on everything (1% buy + 1% pay)
Credit Scoregood
Foreign FeesYes (3%)
+ Pros
- ✓Highest flat cashback rate at $0 fee
- ✓18-month 0% balance transfer APR
- ✓Points become travel-transferable with Citi Premier
− Cons
- ✗3% foreign transaction fee
- ✗Must pay bill to earn 2nd 1%
- ✗No premium perks
Rewards Breakdown
| Category | Rate | Monthly Spend | Annual Value |
|---|---|---|---|
| All Purchases | 2% (1% buy + 1% pay) | $2000/mo | $480 |
| Citi Travel Portal | 5% | $100/mo | $60 |
| Total Estimated Annual Rewards | $540 | ||
Perks & Credits
$0 forever
No Annual Fee
Citi guarantees no annual fee will ever be charged on this card.
18 months
0% Intro APR
0% APR on balance transfers for 18 months. 3-5% transfer fee applies.
5% back
Citi Travel Portal
Earn 5% back on hotels, car rentals, and attractions booked through thankyou.com.
Conditional
Citi ThankYou Upgradability
If you add a Citi Premier ($95/yr), Double Cash points become ThankYou points transferable to airline partners.
Included
Citi Entertainment
Access to presale tickets for concerts, sports, and dining experiences.
Included
Citi Flex Plan
Split large purchases into fixed monthly payments at a set fee.
CFPB Consumer Complaints(Last 12 months)
9,085Credit card complaints
0%Timely response rate
Source: CFPB Consumer Complaint Database. Complaints are not necessarily evidence of wrongdoing.
Who This Card Is For
- →Minimalists who want the highest possible return for zero effort — 2% on everything with no annual fee, no categories to track, no activation required.
- →Balance transfer candidates sitting on high-interest credit card debt — the 18-month 0% intro APR saves hundreds in interest.
- →Citi ecosystem builders — pair with the Citi Premier to retroactively turn all your Double Cash points into transferable travel currency.
Who Should Skip This Card
- →International travelers — the 3% foreign transaction fee erases your 2% rewards and then some on every purchase abroad.
- →People who only make minimum payments — you earn the second 1% only when you pay your bill. Minimum payers effectively earn just 1%.
- →Anyone who wants premium perks like lounge access, travel insurance, or purchase protection — this is a pure cashback card with no extras.
How It Compares
| Card | Annual Fee | Best Rate | Score |
|---|---|---|---|
| Citi Double Cash Card (this card) | $0 | 2% | 4.5/5 |
| Chase Freedom UnlimitedBest No-Fee Card with Category Bonuses | $0 | 1.5% | 4.5/5 |
| Capital One Quicksilver Cash RewardsBest No-Fee Card for Travel Spending | $0 | 1.5% | 4.3/5 |
| Blue Cash Preferred Card from American ExpressBest for Groceries | $95 | 6% | 4.4/5 |
Frequently Asked Questions
Explore More Cards
Last updated: 2026-03-30