Citi Double Cash® Card

Name: Citi Double Cash® Card
Brand: Citi

Flat-rate cash back plus transfer window. Compare the cost, rewards, promotional APR, and credit profile before you apply.

Terms last checked August 5, 2026Issuer: CitiNetwork: Mastercard

BillSaver fitFlat-rate cash back plus transfer window

Good to excellent credit is listed by the issuer as a general guide, not a promise of approval.

Annual fee

Rewards

Up to 2% cash back: 1% when you buy and 1% as you pay, plus 5% on select Citi Travel bookings.

Welcome offer

$200 cash back after qualifying spend; confirm the current spend deadline and amount with Citi.

Intro APR

0% intro APR on balance transfers for 18 months.

Regular APR

17.49% to 27.49% variable APR.

Balance transfer fee

Intro balance transfer fee applies, then 5% of each transfer, minimum $5.

Foreign transaction fee

Credit profile

Good to excellent

BillSaver's view

It combines long-term flat cash back with an intro transfer period, which is rare enough to matter.

Where this card can miss

The full 2% comes when purchases are paid, and the card is not ideal for international travel.

How to compare it

Use the reason you are shopping as the test. If you pay in full, estimate the rewards you would actually earn and subtract the annual fee. If you are moving debt, compare the transfer fee and payoff window with the regular APR waiting after the promotion. If you are building credit, put cost, reporting, deposit rules, and payment habits ahead of a flashy bonus.

The figures above are a comparison summary, not an application decision. Read the current issuer disclosure before applying because the offer, APR, fees, rewards, and eligibility rules may change.