Citi® Double Cash Card Review – Straight 2% Cash Back on All Purchases

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Overview

If you are looking for a credit card with easy cash rewards, Citi® Double Cash Card, issued by our partner Citibank, is a credit card that gives you essentially 2% cash back on everything. It is a Mastercard credit card that lets you earn unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. It has no annual fee and offers 0% intro APR on balance transfers for 18 months.

  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% - 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% - 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Intro APR
0% on Balance Transfers
Intro APR Period
18 months
Regular APR
13.99% - 23.99% (Variable)
Annual Fee
$0

Card Benefits

How to Earn Cash Rewards on Purchases

You will earn a total of 2% cash back on all purchases by earning 1% cash back twice, once at the time of making purchases and the other when you pay off the balance. There is no cap on the cash back you can earn. Your cash rewards don’t expire as long as your account is open.

For example, if you spend $30,000 on the card in a year, you will receive $600 cash back rewards. You can use our cash rewards calculator to find out how much cash back rewards you may receive.

Spending on All Purchases$30,000
Cash Rewards (at 2% Cash Back)$600
Net Spending (after Cash Back)$29,400
Citi Double Cash Card Cash Rewards Calculation Chart

Fees and 0% Intro APR

This credit card has no annual fee. You can keep the card without having to pay a fee. It also lets you enjoy 0% introductory APR on balance transfers. You can use it to transfer your existing credit-card balance to pay no interest for an extended period of 18 months. After the intro period ends, the go-to rate of 13.99% - 23.99% (variable) applies.

Required Credit Rating

The Citi® Double Cash Card - 18 month BT offer is for people with excellent or good credit profile.

Is this the right card for you?

If you are looking to earn simple and straightforward cash back without paying an annual fee, the Citi® Double Cash Card - 18 month BT offer is a no-brainer choice. It provides you with 2% cash back on all purchases. In addition, it offers 0% intro APR on balance transfers for a long period of 18 months, which can help you reduce your existing credit card debt.

Similar Rewards Credit Cards

If you are interested in the Citi® Double Cash Card - 18 month BT offer, you may also consider a few other credit cards with similar benefits.

Credit CardBonus and RewardsAnnual Fee
Bank of America Cash Rewards Credit CardBank of America® Cash Rewards credit card
  • $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening
  • Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases
  • $0
    Wells Fargo Cash Wise Visa CardWells Fargo Cash Wise Visa® card
  • Earn a $150 cash rewards bonus after spending $500 on purchases in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • 1.8% cash rewards on digital wallet purchases including Google Pay™ or Apple Pay® during the first 12 months from account opening
  • $0
    Citi Premier CardCiti Premier® Card
  • Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening
  • 60,000 Points are redeemable for $600 in gift cards when redeemed at thankyou.com
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Hotels
  • Earn 1 Point per $1 spent on all other purchases
  • $95
    Citi Rewards+ CardCiti Rewards+® Card
  • Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • $0
    Bank of America Travel Rewards Credit CardBank of America® Travel Rewards credit card
  • 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • $0
    Bank of America Premium Rewards Credit CardBank of America® Premium Rewards® credit card
  • Receive 50,000 online bonus points - a $500 value - after you make at least $3,000 in purchases in the first 90 days of account opening
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases
  • $95
    Costco Anywhere Visa Card by CitiCostco Anywhere Visa® Card by Citi
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • $0
    Chase Sapphire Preferred CardChase Sapphire Preferred® Card
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®. Plus earn up to $50 in statement credits towards grocery store purchases within your first year of account opening.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 toward travel.
  • Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
  • $95
    Blue Cash Preferred Card from American ExpressBlue Cash Preferred® Card from American Express
  • Earn a $300 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
  • 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
  • 6% Cash Back on select U.S. streaming subscriptions.
  • 3% Cash Back at U.S. gas stations and on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
  • 1% Cash Back on other purchases.
  • $0 intro for first year, then $95
    Blue Cash Everyday Card from American ExpressBlue Cash Everyday® Card from American Express
  • Earn $200 back after you spend $1,000 in purchases on your new Card within the first 3 months.
  • 3% Cash Back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% Cash Back at U.S. gas stations and at select U.S. department stores.
  • 1% Cash Back on other purchases.
  • $0
    Chase Freedom UnlimitedChase Freedom Unlimited®
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn unlimited 1.5% cash back on all other purchases.
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1.5% on all other purchases.
  • $0
    Capital One Quicksilver Cash Rewards Credit CardCapital One Quicksilver Cash Rewards Credit Card
  • One-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • $0
    Chase Freedom FlexChase Freedom Flex℠
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Enjoy new 5% categories each quarter!
  • Earn 5% on travel purchased through Chase, 3% on dining at restaurants and drugstores, and 1% on all other purchases.
  • $0
    Capital One SavorOne Cash Rewards Credit CardCapital One SavorOne Cash Rewards Credit Card
  • Earn a one-time $200 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores and 1% on all other purchases
  • $0

    Editorial Note: The editorial content on this page is prepared by CardBenefit staff. Opinions expressed herein are author's alone, not those of the bank, credit card issuer, airlines or hotels, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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