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Citi Double Cash Card Review

Best Flat-Rate Cash Back Card

4.5/ 5.0
Cash Back Rate2% everywhere
Annual Fee$0
Intro APR0% for 18 months (balance transfer)
Welcome Bonus$200 after $1,500 spend

Top Pick · Credit Cards

Citi Double Cash

2% cash back on everything · no annual fee

0% intro APR
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CalcMoney Editor's Take

The Citi Double Cash has one of the simplest and most effective cash-back structures available: 2% on everything, always. No category rotations, no spending caps. It's the ideal everyday card for people who don't want to manage rewards complexity.

Pros

  • Unlimited 2% cash back: 1% when you buy, 1% when you pay
  • No annual fee
  • 18-month 0% intro APR on balance transfers
  • No category tracking or activation required

Cons

  • 3% foreign transaction fee (not ideal for travel)
  • No travel perks or premium benefits
  • Balance transfer fee applies (3% or $5 min)

Best For

Everyday spending without category managementBalance transfer from high-APR cardsPeople who want simple, flat-rate rewards

Run the Numbers First

-$12K24% APR
Debt Payoff Calculator
-$12K24% APR
Credit Card Payoff Calculator

Ready to Get Started?

Visit Citi Double Cash

Advertiser Disclosure: CalcMoney may earn a commission if you open an account or apply through links on this page. This does not affect our editorial ratings or recommendations.

Variable APR applies after intro period. Credit approval required. Balance transfer fee applies.