Last updated: 4/26/2024

Citi Double Cash

Earns: Cash Back

★★★★★

GigaTake:

The top of the cash-back heap. This card effectively pays 2% cash back on all spending—with no annual fee. Some points cards may get you more total value, but if you like to keep things simple, this one is hard to beat.

This card is best for:

All Spending

GigaPoints has partnered with CardRatings for our coverage of credit card products. GigaPoints and CardRatings may receive a commission from card issuers. However, opinions, reviews, analyses & recommendations are GigaPoints’ alone, and have not been reviewed, endorsed or approved by any of these entities. Read more here.

Here’s how much you would earn with this card

(Based on spending from {{earliestTransactionDate | date}} through {{latestTransactionDate | date}})

You could earn	Worth	Plus Welcome Bonus	Total
{{totalPointsYouCouldEarn \| number}} Cash Back per year	${{totalPointsYouCouldEarnValue \| number}}	{{welcomeBonus \| number}} points worth ${{welcomeBonusValue \| number}}	${{totalValueToUser \| number}}

${{totalAmount | number}} =

{{totalAmount | number}} =

–${{annualFeeAmount | number}}Annual Fee

${{basePointsAmount | number}} All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x)

${{merchantBonusAmount | number}}{{ merchantsBonusLabels | commaSeparate }} ({{merchantsBonusAmounts[0].multiplier}}%x)

${{categoryBonusAmount.bonus | number}}{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)

${{categoryDiscount.discount | number}}{{categoryDiscount.category}} Credit

${{merchantCreditAmount | number}}Merchant Discounts

${{welcomeBonusAmount | number}}Welcome Bonus

Annual Fee${{annualFeeAmount | number}}

All Other ({{card.card.earning_rate}}%x) All Spending ({{card.card.earning_rate}}%x) ${{basePointsAmount | number}}

Merchant Bonus ({{merchantsBonusAmounts[0].multiplier}}%x)${{merchantBonusAmount | number}}

{{categoryBonusAmount.category }} ({{categoryBonusAmount.multiplier}}%x)${{categoryBonusAmount.bonus | number}}

Welcome Bonus${{welcomeBonusAmount | number}}

Pros

2% cash back is the highest around.
Cash back is simple to redeem.
No annual fee.

Cons

Cash back comes in two parts: 1% when you make the purchase, 1% when you pay for it.
Can sometimes get more total rewards using a points card.

See how the Citi Double Cash compares to other credit cards

Citi Double Cash Other Cards

Rewards

Show Rewards For:

Hover the dots to view other Credit Cards

Reward Rate = 2x

Value = 1 cent per point
Effective Value = 2 %

Welcome Bonus = 20,000

Value = 1 cent per point
Effective Value = $200

$1700

Annual Fee = $0

$695

Welcome Bonus

$200 Cash Back

After you spend $1,500 in 6 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article

Spending Rewards

2% All Spending

Is this card right for me?

That depends on your individual spending patterns. We have a tool that figures it out for you. Learn what you could earn.

Try the Analyzer now

0.4¢ PER POINT

2¢+ PER POINT

Other Card Information

Cash back comes in two steps: 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Annual Fee

Are Annual Fees Worth It?

The GigaPoints Guide to Credit Card Annual Fees Article

Recommended Credit Score

Average
Good
Excellent

These ranges indicate where your credit score should be before applying for a card. But we can’t guarantee that you’ll be approved for any particular card—that’s up to the issuer.

Use this card for…

You can earn more rewards by using different cards for different purchases. We built a tool that tells you which card to use, when. Just plug in your favorite brand, store, or category to find out which card pays the most.

Use the Best Card For tool

The Fine Print

INTRO APR FOR BALANCE TRANSFERS	0% for 18 months
PURCHASES APR	16.99% – 26.99%
BALANCE TRANSFER FEE	Either $5 or 3% of the amount of each transfer, whichever is greater.
CASH ADVANCE APR	28.24% (Variable)
CASH ADVANCE FEE	Either $10 or 5% of the amount of each cash advance, whichever is greater.
LATE PAYMENTS	Up to $41
FOREIGN TRANSACTION FEE	3%