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Terms

Citi Double Cash® Card

5.0

MoneyAtlas

Rating

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.

Ongoing Annual Fee

$0

Ongoing Purchases APR

17.99%-27.99% Variable

Introductory Balance Transfer APR

0% on balance transfers for 18 months

Ongoing Balance Transfer APR

17.99%-27.99% Variable

Credit Score Needed

Rate MeterRate Pointer
Good, Excellent

Pros

  • Simple earning structure: Earn 2% cash back on purchases, with 1% when you buy and 1% as you pay for your purchases, with no rotating categories to track or spending caps to worry about

  • No annual fee: Keep more money in your pocket with a zero annual fee, making it ideal for long-term use

  • Flexible rewards: No restrictions on which purchases you can earn cash back, making it perfect for everyday spending across all categories

Cons

  • Delayed rewards: Must pay your bill to earn the second 1% cash back, meaning you don't get the full 2% immediately at purchase

  • Limited premium perks: Lacks travel benefits, purchase protection, and other premium features found on higher-tier cards