Citi Double Cash® Card Review

Last Updated on May 13, 2026

Offer Rating

5.0/5

By Our Content Team

EDITOR

The Citi Double Cash® Card, from our partner, is one of the most rewarding cash back credit cards with no annual fee. If offers unlimited cash back and comes with one of the longest 0% Intro APRs for balance transfers available.

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Rates & Fees

Citi Double Cash® Card

5.0 BCC Score

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on Citibank's secure site

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.

Rewards Rate

2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Intro APR

N/A and 0% for 18 months on Balance Transfers, then 17.49% - 27.49% (Variable)

Annual Fee

Credit Score Needed

Excellent, Good

Card Brand

Mastercard

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.
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. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% - 27.49%, based on your creditworthiness.
Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Pros

One of the best flat-rate cash back offers available
Extra-long intro APR on balance transfers
No annual fee and $0 liability on unauthorized charges

Cons

No intro APR on purchases
This card charges a fee for balance transfers

OUR EXPERT REVIEW

Why We Like It

When it comes to no annual fee cash back cards, the Citi Double Cash® Card, from our partner Citibank, is truly one of a kind. That's because this is the only card that allows you to earn cash back twice. Cardholders can enjoy 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. There are no limits to how much cash back you can earn and your cash back won't expire.

The Citi Double Cash® Card is the perfect option for any consumers who don't want to have to put any extra thought into their credit card rewards. There are no rotating categories and no special bonuses on certain spending. You simply earn the same flat-rate of 2% no matter what you are purchasing.

This card even comes with a top-tier intro APR: 0% for 18 months on Balance Transfers. If you're paying a high interest rate on your current credit card, that intro period can help you escape those pesky interest charges. After the intro period is up, the ongoing APR is 17.49% - 27.49% (Variable). With the generous cash back rewards and the lengthy intro APR on balance transfers, the Citi Double Cash® Card is a great choice for almost any consumer.

Pros & Cons

Pros

One of the best flat-rate cash back offers available
Extra-long intro APR on balance transfers
No annual fee and $0 liability on unauthorized charges

Cons

No intro APR on purchases
This card charges a fee for balance transfers

Pros Explained

One of the best flat-rate cash back offers available: Most credit cards that offer a flat cash back rate on every purchase either offer 1.5% or 1.0%. With the Citi Double Cash® Card offer you earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Extra-long intro APR on balance transfers: Most credit cards that offer 0% Intro APR on balance transfers (which not many do) only offer it for 6 to 12 months. With the Citi Double Cash® Card, you'll get 0% for 18 months on Balance Transfers followed by 17.49% - 27.49% (Variable).
No annual fee and $0 liability on unauthorized charges: The Citi Double Cash® Card offer comes with no annual fee and offers you peace of mind knowing that you will not be liable for any unauthorized charges that may occur, if any do, while your account is active.

Cons Explained

No intro APR on purchases: Because the Citi Double Cash® Card is focused on balance transfers, it doesn't provide any intro APR on purchases.
This card charges a fee for balance transfers: Although this is typical for most credit cards, this fee is worth noting. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).