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Citi
Citi Double Cash
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MastercardCiti
Citi Double Cash
4.6
(1,890 reviews)cashback
Last verified March 2026
One of the highest flat-rate cash back cards available with no annual fee.
Annual Fee
No annual fee
Purchase APR
18.49% – 28.49%
Rewards
2% base rate
Sign-Up Bonus
$200 value
Credit Score
Good (670-749)
Foreign Txn Fee
3%
Fees & APR
| Annual Fee | No annual fee |
| Purchase APR | 18.49% – 28.49% |
| Intro APR (Balance Transfer) | 0% for 18 months |
| Balance Transfer Fee | 3% |
| Foreign Transaction Fee | 3% |
| Late Fee | Up to $40 |
Pros & Cons
2% flat rate — among the best
No annual fee
18-month balance transfer intro APR
Simple rewards structure
3% foreign transaction fee
No intro APR on purchases
Higher spending requirement for bonus
Customer Reviews
4.7
1,890 reviews
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KL
Kevin L.VerifiedDec 2, 2025
The 2% king
Still the gold standard for flat-rate cash back. 2% on everything with no annual fee. I use this for any purchase that doesn't fit a bonus category.
DS
Daniel S.VerifiedNov 8, 2025
Paired with Citi Premier for max value
The Double Cash points convert to ThankYou Points. Combined with my Premier card, I can transfer to airline partners. Incredible hidden value.
PN
Patricia N.VerifiedSep 25, 2025
Reliable but basic
Does what it says — 2% back. No frills, no surprises. Would be 5 stars if they removed the foreign transaction fee.