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3. Citi Double Cash® Card review: Twice the cash back without thinking twice

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1453

reviews

2.8

Rating: 2.8 out of 5.

Editors’ take: This card is a solid choice for people who prefer straightforward rewards without the hassle of tracking bonus categories. With its high flat-rate cash back rate and an introductory balance transfer rate, this card can be both rewarding and practical.

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Great for high flat-rate cash back

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Annual fee: $0

The average credit score for members who have matched with this card or similar cards is 688

The average credit limit for members who have matched with this card or similar cards is $8,099

Explore more about this card:

• Pros and cons
• In-depth Editorial review
• Member reviews

Here’s the average credit limit of members who matched their Citi Double Cash® Card or similar cards.

% of members by credit limit range

The average credit limit for members who have matched with this card or similar cards is $8,099, with $3,000 being the most common.

Here’s the average credit score of members who matched their Citi Double Cash® Card or similar cards.

% of members by credit score range

The average credit score for members who have matched with this card or similar cards is 688, with 760 being the most common. Note this is just one of the deciding factors when it comes to getting approved.

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Member stats

Updated daily

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34%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

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43 years

Average age of members who matched this card or similar cards.

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$92,620

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

Pros and cons

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High flat-rate cash back rewards

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Introductory balance transfer offer

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No annual fee

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No 0% APR promotion on purchases

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Balance transfer fee

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Citi Double Cash® Card

Citi Double Cash® Card

2.8 out of 5

1453 reviews

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Citi Double Cash® Card review

Updated August 1, 2025

This date may not reflect recent changes in individual terms.

Written by: Ben Luthi

Is the Citi Double Cash® Card worth it?

The Citi Double Cash® Card offers 2% cash back on all purchases —1% back when you make the purchase and then another 1% back when you pay it off. This straightforward approach makes it attractive for people who prefer simplicity over managing bonus categories.   

Even if you already have a credit card with bonus rewards on certain spending categories, it may be handy to have this card in your wallet for purchases outside of bonus categories that earn less than 2%. 

The card’s utility isn’t limited to earning cash back. The Citi Double Cash® Card also provides a solid introductory APR balance transfer period, making it a valuable tool for consolidating and managing existing debt.

But while the Citi Double Cash® Card stands out for its consistent cash back and useful balance transfer option, it notably lacks a 0% introductory APR on purchases.

Citi Double Cash® Card at a glance

• Annual fee: $0
• Sign-up bonus: New cardholders can earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening. The bonus will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
• Standout benefit: The card offers a flat 2% cash back on every purchase you make — that’s 1% back when you make the purchase and another 1% back when you pay it off.
• Best rewards rate: You’ll earn 5% total cash back on hotels, car rentals and attractions booked on the Citi Travel℠ portal.
• Baseline rewards rate: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

Citi Double Cash® Card best perks and features

High flat-rate cash back rewards

The Citi Double Cash® Card provides a straightforward 2% cash back on all purchases (1% upon purchase and 1% upon payment). This flat rate is attractive for people seeking simplicity and a strong, consistent rewards structure without the need to track bonus categories.

Introductory balance transfer offer

The Citi Double Cash® Card offers an introductory 0% APR on balance transfers for 18 months from account opening, providing an opportunity to save on interest for existing high-interest debt. After the introductory period, a variable APR of 18.24% - 28.24% will apply. 

Note that the balance transfer must be completed within the first four months of account opening to receive the intro balance transfer APR offer. You’ll also be charged a balance transfer fee: Intro fee 3% of each transfer ($5 minimum) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 minimum).

No annual fee

The card has an annual fee of $0, so you don’t have to worry about earning enough rewards to make up for one. This is particularly beneficial for people who want to maximize their rewards without the pressure of an annual fee.

What are the drawbacks of Citi Double Cash® Card?

No 0% APR promotion on purchases

The Citi Double Cash® Card doesn’t offer a 0% introductory APR on new purchases. This is a key consideration for people planning to make large purchases who might prefer a card that offers a period of interest-free financing. 

Balance transfer fee

The card charges a balance transfer fee: Intro fee 3% of each transfer ($5 minimum) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 minimum).

How to redeem ThankYou® Points

You can redeem the ThankYou® Points earned with the Citi Double Cash® Card for a paper check, a statement credit or as a direct deposit into a linked Citi checking or savings account. You can also deposit your rewards into an external checking or savings account that you have used at least twice to pay your Citi credit card bill. 

Citi’s Shop with Points program allows you to redeem points at various retailers, too, including Amazon, Best Buy and Walmart. You can also redeem points for gift cards and travel through the Citi Travel portal.

Other cards to consider

• Chase Freedom Unlimited®: This card could be a good match if you’re looking to make a big purchase soon but still want to earn cash back.
• Wells Fargo Active Cash® Card: This card’s rewards give it long-term value in addition to its introductory APR offer.
• Blue Cash Preferred® Card from American Express: This card could be a good alternative if you spend a significant amount on groceries, streaming services and gas.

Looking at these aspects of the card helps us determine whether we’d recommend it to our members.

FAQs about Citi Double Cash® Card