Citibank
Citi Double Cash® Card
A simple no-annual-fee U.S. cashback card that earns up to 2% cash back on purchases: 1% when you buy and 1% as you pay.
Highlights
Main benefits
- Unlimited 2% cash back on purchases
- Earn 1% when you buy and 1% as you pay
- No annual fee
- No category enrollment required
- No cashback earning caps on regular purchases
- 5% total cash back on select Citi Travel® portal bookings
- Cashback earned as ThankYou® Points
- Redeem rewards as statement credit, direct deposit, or check
- Access to Citi Entertainment®
- Free FICO® Score access
Fees
Fees and charges
Joining fee
$0
Renewal fee
$0 annual fee
Annual fee waiver
Not required because the card has no annual fee.
Who can apply
Eligibility
Best suited for U.S. applicants with good to excellent credit. Approval depends on Citi’s review of credit history, income, debt obligations, identity verification, and other underwriting factors.
Checklist
Documents required
- Government-issued ID
- Social Security Number or ITIN, where applicable
- U.S. residential address
- Income/employment details
- Date of birth
- Contact details
Process
How to apply
1. Visit the official Citi Double Cash® Card page
2. Check current welcome offer, APR, fees, and reward terms
3. Click “Apply Now” or check pre-qualification if available
4. Enter personal, income, and contact details
5. Submit the application and wait for Citi’s decision
Value
Reward and cashback structure
Reward rate
Unlimited 2% cash back on purchases: 1% when you buy and 1% as you pay. Also earn a total of 5% cash back on hotels, car rentals, and attractions booked through the Citi Travel® portal.
Cashback
Cash back is earned as Citi ThankYou® Points and can be redeemed for statement credit, direct deposit, check, gift cards, travel, and other eligible options.
Good fit
Pros
- Simple flat-rate cashback structure
- No annual fee
- No rotating categories to activate
- No cashback cap on regular purchases
- Good alternative to Wells Fargo Active Cash®
- Useful for everyday non-category spending
- ThankYou® Points offer flexible redemption options
- Can pair well with bonus-category cards
Watchouts
Cons
- Full 2% cashback requires payment activity
- Only 1% is earned at purchase time
- No airport lounge access
- No premium travel benefits
- Foreign transaction fee applies, so not ideal for international travel
- 5% travel rate is limited to Citi Travel® portal bookings
- Not as strong for groceries, dining, or gas as category cards
- Requires U.S. credit eligibility
Related
Related cards
Compare
Compare Cards
| Field | Citi Double Cash® Card | Capital One Savor Cash Rewards Credit Card |
|---|---|---|
| Bank/provider | Citibank | Capital One |
| Joining fee | $0 | $0 |
| Renewal fee | $0 annual fee | $0 annual fee |
| Best for | Flat-rate cashback, everyday spending, users who do not want rotating categories, users who want a Wells Fargo Active Cash alternative | Dining, grocery stores, entertainment, streaming services, Capital One Travel bookings, users who want cashback without an annual fee |
| Reward rate |
|
|
| Cashback | Cash back is earned as Citi ThankYou® Points and can be redeemed for statement credit, direct deposit, check, gift cards, travel, and other eligible options |
|
| Lounge access | No Included airport lounge access | No Included airport lounge access |
| Fuel surcharge waiver | Not applicable / No specific fuel surcharge waiver | Not applicable / No specific fuel surcharge waiver |
| Welcome benefit | Welcome bonus may be available for eligible new cardmembers, but Citi displays offer values dynamically, so check the official Citi Double Cash® application page before publishing the exact bonus amount | Earn a one-time $200 cash bonus after spending $500 on purchases within the first 3 months from account opening |
| Annual fee waiver condition | Not required because the card has no annual fee | Not required because the card has a $0 annual fee |
| Eligibility |
|
|
| Apply link | Apply Now | Apply Now |
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