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Citi Double Cash
Citi Double Cash is a strong no-annual-fee baseline card for people who want unlimited 2% cash back without activating categories: 1% when an eligible purchase posts and another 1% as that purchase balance is paid. It currently adds 5% total on hotels, car rentals, and attractions booked through Citi Travel and a $200 offer after $1,500 in purchases during the first six months. Its separate 0% balance-transfer offer lasts 18 months for transfers completed within four months, with a 3% introductory transfer fee and 5% afterward. The card is less attractive overseas because it charges a 3% foreign purchase fee, and using it for new purchases while carrying a transfer can create interest unless the entire balance is paid.
What to know about Citi Double Cash
Citi Double Cash is a strong no-annual-fee baseline card for people who want unlimited 2% cash back without activating categories: 1% when an eligible purchase posts and another 1% as that purchase balance is paid. It currently adds 5% total on hotels, car rentals, and attractions booked through Citi Travel and a $200 offer after $1,500 in purchases during the first six months. Its separate 0% balance-transfer offer lasts 18 months for transfers completed within four months, with a 3% introductory transfer fee and 5% afterward. The card is less attractive overseas because it charges a 3% foreign purchase fee, and using it for new purchases while carrying a transfer can create interest unless the entire balance is paid.
Pros
- $0 annual fee and unlimited 2% cash back with no category activation
- 5% total on eligible Citi Travel hotels, car rentals, and attractions
- 18-month 0% balance-transfer period for qualifying early transfers
Cons
- 3% foreign purchase fee makes the card weak overseas
- New purchases can accrue interest while a promotional transfer remains
- Fewer premium travel and purchase protections than fee-based cards
Scoring breakdown
- Rewards4.7/5
- Fees4.7/5
- APR4.1/5
- Benefits3.8/5
- Customer Service4.0/5
Verified product facts
- Annual Fee
- $0 annual fee; 3% foreign purchase fee
- Rewards
- Unlimited 2% cash back: 1% when buying and 1% as eligible purchases are paid; 5% total on hotels, car rentals, and attractions booked through Citi Travel
- Purchase APR
- 17.49%–27.49% variable purchase APR; 0% for 18 months on balance transfers completed within four months, then the standard variable APR
Where Citi Double Cash ranks
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Fact-checked July 18, 2026. Sources: Citi Double Cash current rewards and product terms, Citi 2026 Double Cash application and welcome-offer overview, Citi 2026 Double Cash balance-transfer rates and fees, Citi Double Cash pricing information table, Citi Double Cash reward redemption guidance, CFPB guidance on purchases during a promotional balance transfer.