Citi® Double Cash Card: Earn 2% Back on Everything Without the Annual Fee

If you’re after consistent cashback, flexibility, and no annual fee, the Citi® Double Cash Card might just be the smartest addition to your wallet.

This card is loved for one simple reason: it rewards everything you buy with a total of 2% cashback — 1% when you buy, and another 1% when you pay. Whether you’re spending on groceries, bills, or big purchases, you’ll earn the same high rate — no categories, no limits, no stress.

💰 Citi Double Cash: The Core Benefits

1. 2% Total Cash Back on All Purchases
You get 1% cash back when you make a purchase, and 1% again when you pay it off. That’s real incentive to pay your balance and stay ahead of interest charges.

2. No Annual Fee
Get all the rewards with none of the yearly cost. This card keeps it simple — no fees, just straight-up cash back.

3. Convert to Citi ThankYou® Points
Prefer points? You can convert your cashback into Citi ThankYou® Points (1 cent = 1 point) and redeem them for travel, gift cards, or shopping with partners like Amazon, Expedia, and Best Buy.

4. Long 0% Intro APR on Balance Transfers
Enjoy 0% intro APR for 18 months on balance transfers (3% fee applies, then a variable APR of 19.24%–29.24%). That’s a valuable window if you’re consolidating credit card debt.

🧐 Who Should Get the Citi Double Cash?

This card is ideal for:

• People who want flat-rate cash rewards without juggling bonus categories.
• Budgeters looking for predictable earnings month to month.
• Anyone planning to pay off old debt with the 18-month 0% balance transfer offer.
• Cardholders who appreciate the option to use cashback as points.

🛍️ Earning Examples: How 2% Back Adds Up

• $1,200 monthly spending → $24/month → $288/year
• $500 on back-to-school shopping → $10 back
• $2,000 vacation expenses → $40 cashback

Pair that with smart payment habits, and you’ll see those rewards snowball without any need to micromanage your purchases.

🔁 Redeem Your Rewards Your Way

Your rewards accumulate as cashback but can be redeemed in multiple formats:

• Direct-to-bank account deposit
• Statement credit
• Check by mail
• Transfer to Citi ThankYou® Points

If you’re already using a Citi card that earns ThankYou® Points, you can combine rewards and unlock travel perks, deals, and experiences.

🔐 Security & Digital Tools

• Citi Quick Lock – Instantly lock/unlock your card via app if it’s lost or stolen.
• Zero Fraud Liability – You’re protected from unauthorized charges.
• Digital Wallet Compatibility – Works with Apple Pay, Google Pay, and Samsung Pay.
• Spend Tracker & Alerts – Keep your budget in check with Citi’s mobile app.

⚖️ Citi Double Cash vs. Similar Cards

While others offer sign-up bonuses or rotating categories, Citi Double Cash remains the most straightforward way to earn reliable, unlimited cashback. No rotating calendars, no restrictions.

🧾 Application Requirements

The Citi Double Cash card typically requires good to excellent credit (FICO score 670+). To improve your approval odds:

• Maintain low credit utilization
• Avoid recent late payments
• Make sure your income is steady and verifiable

You can apply online and may receive a decision in just a few minutes.

👉 Apply for Citi® Double Cash Card

📣 What’s Missing?

No card is perfect. Here are a few things to keep in mind:

• No sign-up bonus – Unlike some cards, there’s no intro bonus, although the long-term earning potential makes up for it.
• Foreign transaction fee – Not ideal for international travel (3% fee applies).
• No travel perks – This is a cashback card, so you won’t find airport lounge access or trip insurance here.

But if you care most about straightforward cashback with minimal effort, these trade-offs may not matter to you.

✅ Final Verdict: Reliable Rewards Without the Noise

The Citi® Double Cash Card is a favorite for a reason: It pays you to buy and rewards you again for being financially responsible.

There’s no fee, no categories, and no complexity. Just cashback on everything you do — whether it’s buying groceries or paying a phone bill.

Written by Arthur Updated on abril 23, 2025