Citi Double Cash - Find Me a Card

Citi Double Cash

A good card for cash back on general spending (2% cash back -- 1% on purchases, plus another 1% when you pay in full), with no annual fee, but also with no signup bonus.

Your total savings: $1,840 over the next 5 years

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Credit Score Required:
Above Average (740-799)

Rewards & Perks

Reward Highlights

  • 2% cash back on every purchase. (1% when you buy, plus an additional 1% when you pay your credit card statement.)

Other Rewards & Perks

  • Special access to events (via Citi Entertainment): Get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for concerts, sporting events, dining experiences, and more.
  • Identity theft resolution services: Access to identity theft services, if you feel you're a victim of identity theft. Assistance with identifying compromised accounts, filing police reports, and taking steps to get your good name and good credit back.
  • Emergency cash disbursement and card replacement: Cardholders can get an emergency cash advance disbursed or a card replaced within one business day, or in some cases, within 24 hours, after approval.
  • Fraud protection: Your card transactions will be monitored for possible signs of fraudulent activity. (Depending on the credit card and issuer, this may also include a $0 liability guarantee for fraudulent transactions.)
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Rates & Fees

Summary of Rates & Fees

  • No annual fee.
  • APR on purchases: 13.99-23.99%.
  • APR on balance transfers: 13.99-23.99%. (0% for the first 18 months on balance transfers that are completed within the first 4 months.)
  • Foreign transaction fee: 3%.

Annual Fee: $0

Interest Rate (“Purchase APR”): 13.99-23.99%

BT Fee: 3% of BT

BT APR: 13.99-23.99% (0% for the first 18 months)

Balance Transfer Notes:

  • To qualify for the 0% intro balance transfer APR, the balance transfers must be completed within the first 4 months.

Cash Advance Fee: 5%

Cash Advance APR: 25.24%

Foreign Transaction Fee: 3%

Penalty APR: 29.99%

User Ratings & Reviews

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Other Info

Date Introduced: 2014-08-29

Date Last Updated: 2021-02-10

Notes & Fine Print

Cash back bonus is not available if you have had Citi® Double Cash card opened or closed in the past 24 months.

Summary of Penalty Conditions

Up to 29.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.c This APR may be applied to your account if you: (1) Make a late payment or (2) Make a payment that is returned. How Long Will the Penalty APR Apply? If your APRs are increased for either of these reasons, the Penalty APR may apply indefinitely.

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