Simplicity and value. That's the Citi Double Cash® Card in a nutshell. If you don't want your brain to hurt trying to keep track of what card to use or pay off, this card could be for you.
The Citi Double Cash® Card simplifies your life with unlimited 2% cash back on every purchase, so there's no keeping track of categories. Simplify your monthly bills, too: Transfer balances from other cards and take a break from high interest payments potentially long enough to pay down your debt.
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What you need to know:
- 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
- 0% introductory APR period on balance transfers for 18 months: Wipe out high interest rates into 2026! Then 18.24% - 28.24% (Variable) APR after the intro period.
- $200 welcome offer: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- $0 annual fee.
- Applicants should typically have fair to excellent credit (580 or higher) to qualify.
The Citi Double Cash® Card, from our partner Citi, stands out from other cash back cards for its simplicity and long balance transfer offer. It's hard to find another option that offers so much value with no annual fee.
Our top 5 reasons to apply today
1. Up to 2% cash back in all categories: Simply use your card for your everyday spending and you can earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
There are other cards that offer higher cash back rates on certain categories, but they can require more effort. And they often are subject to caps and limited in what purchases they apply to.
2. 0% intro APR on balance transfers for 18 months: Take a break from high interest into 2026. New cardholders can enjoy a 0% intro APR on eligible balance transfers for a full 18 months from account opening, then 18.24% - 28.24% (Variable).
That's one of the longest intro periods we've seen, even compared to non-rewards cards, which only have a 0% intro APR as their selling point.
3. The Citi Double Cash® Card fits into any credit card lineup: Travel cards and category cash back cards are notorious for having only a 1X reward rate on purchases that aren't part of their elevated rewards rate. Since this card has a $0 annual fee, it's a no-brainer to add it to your wallet and use it when your other rewards cards have "gaps."
Plus, 0% intro APR on balance transfers for 18 months (then 18.24% - 28.24% (Variable)) means you can transfer balances from a few cards to pause high interest and simplify your monthly bills.
4. No annual fee: In many cases, high reward rates mean high annual fees. Not with the Citi Double Cash® Card, which boasts a $0 annual fee.
5. $200 cash back welcome offer: With no annual fee to offset, the welcome offer worth $200 could be pure value in your pocket.
More benefits and perks
Beyond the generous cash back rewards, there's much more to love:
- Take a break from high interest: 0% introductory APR period on balance transfers for 18 months. APR then 18.24% - 28.24% (Variable).
- No more worries about unauthorized charges: You're completely protected against unauthorized charges on your Citi account. You will not be responsible for a charge that you did not authorize, online or otherwise.
- Access to presale event tickets and more: Citi Entertainment offers special access to thousands of events, including dining experiences, concerts, and sporting events.
- No annual fee: Keep even more money in your wallet - with the Citi Double Cash, the annual fee is simply $0.
Who is this card best for?
The Citi Double Cash® Card is a great choice for anyone who:
- Has fair credit or better: Applicants should typically have fair, good or excellent credit for the best chance of approval.
- Hates tracking spending categories: There's nothing to track with the Double Cash - just spend normally and can earn unlimited 2% cash back on purchases.
- Wants to save money on high-interest debt: It's hard to beat the 0% introductory APR period for balance transfers for 18 months. The ongoing APR is 18.24% - 28.24% (Variable).
- Likes the simplicity of a one-card wallet: Double Cash is one of the few cards that could champion a one-card wallet. Its flat-rate cash back and the ability to simplify your payments by doing balance transfers to this card make it stand out.
- Doesn't want to pay an annual fee: The annual fee is simply $0.
Is there a better cash back card?
The Citi Double Cash® Card is considered one of the best cash back cards to uncomplicate your rewards. Sure, other cash back cards can have higher rewards, but they can take effort. Earn unlimited 2% cash back on every purchase, and you have the makings of a one-card wallet — or a cash back card that fills in the "gaps" left where your travel or category rewards cards only have a 1X reward rate. This card gets bonus points for the $200 welcome offer you could earn.
Not many cash back cards can also help you tackle your debt. New cardholders have a long time to pay down their transferred balances before interest kicks in. You could pay down some sizable debt with such a lengthy balance transfer period. Plus, there's no annual fee to worry about.
Bottom Line
The Citi Double Cash® Card(Rates and fees) is a great choice for almost everyone. Who doesn't love earning cash back and paying no interest on balance transfers into 2026 — without an annual fee?
- Twice the cash back: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases; plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
- Debt buster: Enjoy a 0% introductory APR on balance transfers for 18 months. After the intro period, the APR is 18.24% - 28.24% (Variable).
- $200 welcome offer: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- No annual fee: The Double Cash has no annual fee. Perfect for someone looking to pay down debt, not add to it.
» Click here to apply now and start earning up to 2% cash back on every purchase
Benefits Card Details Intro Offer
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back
Annual Fee $0 Why we like it
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Pay a low intro APR on balance transfers and earn $200 cash back. No annual fee.
