Last updated: 5/10/2021

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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

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Here’s how much you would earn with this card

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per year
${{totalPointsYouCouldEarnValue | number}} {{welcomeBonus | number}} points
worth ${{welcomeBonusValue | number}}
${{totalValueToUser | number}}

How’d we figure that out?

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${{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)

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${{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}}

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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


Hover the dots to view other Credit Cards

Reward Rate = 2x

Value = 1 cent per point
Effective Value = 2 %

0%
3%

Welcome Bonus = 0

Value = 1 cent per point
Effective Value = $0

$0
$1300

Annual Fee = $0

$0
$995
Welcome Bonus
$0 Cash Back
GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article
Spending Rewards
2% All Spending

Excellent

excellent

Excellent

In the top 15% of cards.

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.

Program Name
Cash Back
Gigapoints Value
1¢ per point
0.5¢ 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
  • $0
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 Go

The Fine Print

PURCHASES APR 13.99% to 23.99%
CASH ADVANCE APR 25.24%
BALANCE TRANSFER FEE Either $5 or 3% of the amount of each transfer, whichever is greater.
CASH ADVANCE FEE Either $10 or 5% of the amount of each cash advance, whichever is greater.
LATE PAYMENTS None for the first late payment; up to $40 after that.
FOREIGN TRANSACTION FEE 3%