Citi® Double Cash Card
Citi · Mastercard
4.5/5 RatingGood to Excellent (670+)
Key Details
- Annual Fee
- None
- Regular APR
- 18.49%–28.49%
- Intro APR
- 0% intro APR for 18 months on balance transfers
- Foreign Transaction Fee
- 3%
- Balance Transfer Fee
- 3% or $5, whichever is greater
- Rewards Rate
- 2% cash back
Sign-Up Bonus
$200 cash back after spending $1,500 in first 6 months
Rewards Structure
- All Purchases (1% when buying, 1% when paying)2%
Pros
- ✓Flat 2% on everything — one of the highest flat rates
- ✓No annual fee
- ✓0% intro APR on balance transfers for 18 months
- ✓Can convert to ThankYou points with Citi Premier
Cons
- ✗3% foreign transaction fee
- ✗No sign-up bonus in some offers
- ✗Must pay bill to earn second 1%
Who Should Get This Card?
People who want the simplest, highest flat-rate cash back card with no annual fee. Best paired with a Citi Premier for point transfers.