Quick Summary
The Citi Double Cash® Card offers the simplest premium cashback proposition: earn 2% cash back on every purchase — 1% when you buy, 1% when you pay. With no annual fee, no rotating categories, and no spending caps, it's the ultimate set-it-and-forget-it cashback card. For those who want maximum rewards without the complexity of category tracking, the Citi Double Cash is hard to beat.
Score Breakdown
What We Like
- ✓ Flat 2% back on everything — best flat rate
- ✓ No annual fee
- ✓ No categories to track or activate
- ✓ No spending caps on rewards
- ✓ 0% intro APR on balance transfers
What Could Improve
- ✗ Limited sign-up bonus compared to competitors
- ✗ No bonus categories for higher earnings
- ✗ 3% foreign transaction fee
Features
The straightforward 2% back (1% at purchase + 1% at payment) applies to all purchases with no caps or categories. Citi Entertainment provides presale tickets and VIP experiences. The card includes Citi's $0 liability protection and ID theft protection. Balance transfers enjoy a 0% intro APR for 18 months.
Pricing
No annual fee. The typical sign-up bonus is modest — often $200 after spending $1,500 in 6 months. Intro APR of 0% on balance transfers for 18 months (3% transfer fee), then variable 19.24%-29.24% APR. A 3% foreign transaction fee applies.
Usability
The Citi app provides spending summaries and cashback tracking. The simplicity of the rewards structure means there's nothing to manage — every purchase earns the same rate. Rewards can be redeemed as a statement credit, check, or transferred to ThankYou Rewards partners for potentially higher value.
Key Specifications
| Annual Fee | $0 |
| Cash Back Rate | 2% flat |
| Sign-Up Bonus | $200 |
| Intro APR | 0% for 18 months (BT) |
| Regular APR | 19.24% - 29.24% |
| Foreign Transaction Fee | 3% |
| Credit Score Needed | Good to Excellent |
Final Verdict
The Citi Double Cash Card is perfect for people who want the highest possible flat-rate cashback without any complexity. The 2% rate is effectively the best flat rate available without an annual fee. If you don't want to think about categories or rotating bonuses, this is your card.