| Rewards | Earn 2% cash back on all purchases: 1% when you buy 1% when you pay Rewards are issued as Citi ThankYou® Points, redeemable for cash back, statement credits, deposits, travel, and more. Also earn 5% total cash back on hotels, car rentals, and attractions booked through Citi Travel. |
|---|---|
| Signup Bonus | Often limited-time: $200 cash back (20,000 ThankYou® Points) Requires $1,500 spend in the first 6 months |
| Annual Fee | There is no annual fee associated with this card. |
| Cardmember Agreement | View Here |
| Cash Advance APR | 29.74% variable APR |
| Cash Advance Fee | 5% of each cash advance $10 minimum (whichever is greater) |
| Late Payment Fee | Up to 41 |
| Purchases APR | Intro APR No standard intro APR on purchases (intro offers usually apply to balance transfers only). Ongoing APR Typically about 17.49% – 27.49% variable, based on creditworthiness |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Citi Double Cash® Card is best known for its simple, flat-rate rewards: 2% cash back on everything — 1% when you buy and 1% when you pay — all with no annual fee. It’s positioned as an everyday workhorse rather than a perks or travel card.
Most users say the simplicity is the biggest win. Many reviewers mentioned they like not having to track bonus categories, and the steady 2% return adds up over time. Cardholders also appreciate the ability to redeem rewards flexibly through Citi ThankYou® Points.
On the downside, many users point out the lack of flashy extras. There’s usually no big sign-up bonus, limited intro APR offers on purchases, and minimal travel or purchase perks. Some reviewers also note that you only earn the second 1% after paying your bill, which feels slower than other cards.
Personally, I think this card is a great fit if you want reliable, no-fuss cash back on everyday spending. It’s not exciting, but it’s dependable. If you’re chasing travel rewards or premium benefits, you’ll likely find better value elsewhere.
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Bro sorry, but some error occurred :O
H
Good rewards, but watch the costs
The card's 2% cash back sounds strong, but the high interest rate makes it risky if you carry a balance. Rewards are straightforward, yet there are no extra perks like travel or purchase protections. It works best only if you pay if full every month otherwise the costs outweigh the benefits
H
SUCKS!
I CAN NEVER FIND THE FUCKING WEBSITE TO LOG IN AND PAY THE BLOODY CARD! It's completely invisible online and on every city site. That's how they get you.
J
Credit card
Great credit card!
