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Updated 2026-02-10
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CitiEditor's PickLast verified: February 2026
Citi® Double Cash Card
The original 2% cash back everywhere card - simple and effective for maximizing everyday spending.
on Citi's secure site
Welcome Bonus
200 cash
Annual Fee
$0
Base Rewards
2x
APR
19.24% - 29.24%
Card Details at a Glance
Last verified: February 2026IssuerCiti
Card CategoryCashback
Annual Fee$0 (No Annual Fee)
Regular APR19.24% - 29.24% (Variable)
Intro APR0% for 18 months
Foreign Transaction Fee3%
Balance Transfer Fee5% (or $5 min)
Base Rewards Rate2x on all purchases
Credit Score NeededGood (700+)
Welcome Bonus200 cash (spend $1,500 in 6 months)
Pros & Cons
Pros
- Generous 200 cash welcome bonus (worth ~$200)
- No annual fee
- 0% intro APR for 18 months
- Strong 2x base rewards on all purchases
- 2% cash back on all purchases (1% when you buy, 1% when you pay)
Cons
- 3% foreign transaction fee
- High ongoing APR range (up to 29.24%)
- Requires good credit (700+) for best approval odds
- 5% balance transfer fee
Who Is This Card Best For?
This card is ideal for the following types of cardholders:
People who prefer simple cash back over points systems
Those who want strong rewards without paying an annual fee
Anyone needing 18 months of 0% interest on purchases
Card Overview
The original 2% cash back everywhere card - simple and effective for maximizing everyday spending.
Key Highlights
- 2% cash back on all purchases (1% when you buy, 1% when you pay)
- 0% intro APR on balance transfers for 18 months
- No annual fee
- No rewards categories to track
- Redeem cash back at any amount
Like what you see?
Apply for the Citi® Double Cash Card directly on Citi's secure website.
Secure5-minute applicationInstant decision
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Ready to Apply?
Welcome Bonus
200 cash
Spend $1,500 in 6 months
Estimated value: ~$200
Secure application on Citi's site
708 people applied this week
Key Benefits
- 2% cash back on all purchases (1% when you buy, 1% when you pay)
- 0% intro APR on balance transfers for 18 months
- No annual fee
- No rewards categories to track
- Redeem cash back at any amount
Why Trust Our Review?
Independent analysis of 200+ cards
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Updated 2026-02-10
All rates, fees, and bonus offers are subject to credit approval and may change without notice. Please verify current offers on issuer websites.