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finder.com’s rating: 3.8 / 5
★★★★★
Up to 2%
Cash back
$0
Annual fee
16.99% to 26.99%
Purchase APR (variable)
0%
Intro balance transfer
for the first 18 months (then 16.99% to 26.99% variable)
Annual fee | $0 |
---|---|
Welcome offer | N/A |
Rewards | Up to 2% cash back on purchases (1% when you buy plus 1% as you pay) |
Purchase APR | 16.99% to 26.99% variable |
Balance transfer APR | 0% intro for the first 18 months (then 16.99% to 26.99% variable) Intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5) |
Minimum credit score | 670 |
Issuer | Mastercard |
Review by
Amy Bonnett is Finder's Personal Finance Producer. She works directly with our partners and editorial team to ensure that only the most accurate info makes its way to you. When she's not helping folks find the best credit card or savings account for their needs, you can find her out in her backyard playing with her rescue dogs, Freya and Leia.
The Citi® Double Cash Card is always the first card I recommend to my friends and family. The conversation usually goes something like this: A friend asks for my advice on a credit card. I tell them if they have good credit and are in the habit of paying off their credit card balance each month, they’ll be hard-pressed to find a more valuable and easy-to-use card than the Double Cash.
End of conversation. They apply for the card because it’s just that good.
My favorite part about the Double Cash is how simple it makes earning rewards. Its 2% cash back on all purchases is one of the best unlimited rates you’ll find. The only catch is you’ll earn 1% when you use your card to buy something, but won’t get the other 1% until you pay off that purchase.
That’s why I only recommend this card to people who don’t carry a balance from month-to-month. To make it even easier to use, the Double Cash has a $0 annual fee. That means you don’t have to worry about an annual fee eating into the rewards you earn.
Not to be overlooked is the Double Cash’s intro APR period on balance transfers. At 18 months, this is three to six months longer than the average balance transfer intro period you’ll find with similar cashback cards. However, you won’t get a 0% intro APR on purchases, giving you another reason to pay your balance off monthly with this card. You also won’t earn a signup bonus with the Double Cash. While this might seem off-putting at first, I like to think of the long-term value of this card compared to the typical 1.5% unlimited cashback card. We compared your potential earnings and while you might earn more in your first year with a card like the American Express Cash Magnet® Card, the Double Cash pulls ahead as time goes on.
Even a credit card junkie like myself can find daily value in a card as simple as the Citi® Double Cash Card. I have cards that earn rewards on groceries, gas, dining and travel, but for all other purchases, the Double Cash remains my go-to.
You need a good to excellent credit score of 670 or higher to increase your chances of approval. Keep in mind, card approval is not guaranteed even if you prequalify for the card. Typically, approval odds are between 80% and 90% if you prequalify. With a good to excellent credit score of 670 or higher, you improve your chances of approval.
Credit range | Approval rate |
---|---|
720–850 | 96% |
680–719 | 82% |
620–679 | 43% |
300–619 | 10% |
Lower than 619 | 40% |
Based on a finder.com poll of hundreds of Citi® Double Cash Card users.
Compare to see how the Citi® Double Cash Card stacks up against similar cashback credit cards.
Citi® Double Cash Card |
Capital One Quicksilver Cash Rewards Credit Card |
BlockFi Bitcoin Rewards Credit Card |
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★★★★★ |
★★★★★ |
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Minimum credit score 670 |
Minimum credit score 670 |
Minimum credit score 700 |
Annual fee $0 |
Annual fee $0 |
Annual fee $0 |
Purchase APR Up to 26.99% variable |
Purchase APR 0% intro |
Purchase APR Up to 29.24% variable |
Balance transfer APR 0% intro for the first 18 months (then 16.99% to 26.99% variable) Intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5) |
Balance transfer APR 0% intro for the first 15 months (then 19.24% - 29.24% variable) 3% fee on the amounts transferred within the first 15 months |
Balance transfer APR N/A |
Rewards Up to 2% cash back |
Rewards Up to 1.5% cash back |
Rewards Up to 3.5% cash back |
Welcome offer N/A |
Welcome offer $200 cash bonus after you spend $500 on purchases within 3 months from account opening |
Welcome offer Up to $100 in Bitcoin rewards by earning 3.5% back in Bitcoin on all purchases in the first 90 days |
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Most customers love that they can earn cash back twice, and they love the long intro APR period on balance transfers. Some customers claim they often receive an intro APR balance transfer offer long after they opened their account.
Some customers were disappointed with the card and claim that their accounts were locked because of fraudulent activity when there was no fraud. Also, customers complain about the low credit limits they received and that they find Citi stingy with credit limit increases.
Another thing some customers dislike is that you can’t redeem your cashback rewards until you reach a minimum of $25.
Even though Citi has been in business for more than 200 years, it was not accredited by the Better Business Bureau (BBB). As of September 2021, more than 200 reviewers on the BBB site give the bank a score of 1 out of 5. Because Citi failed to resolve customer complaints on the site, BBB has rated the bank with the lowest F rating.
Citi is rated slightly higher at 1.4 out of 5 on Trustpilot where customers mostly complain about poor customer service.
This card is ideal for someone who can combine it with a category rewards card. This way, another card can be used on categories where you earn more than 2% rewards and use the Citi® Double Cash Card on all other purchases.
The Citi® Double Cash Card is an excellent option for flat rewards on all purchases. But you can boost your rewards if you pair this card with others that are more rewarding on select categories. For example:
If you’re looking for a simple credit card with high cash back on all purchases, the Citi is a simple, powerful and popular choice. In addition to cash back, the card offers a terrific intro APR period on balance transfers compared to other cards.
To get the card that best suits your needs, make sure to check out other balance transfer or cashback credit cards.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Our team evaluates credit cards to determine their value against similar cards on the market.
We rank card types — travel, cash back, business — on a set of factors that are most relevant to that type of card. We create these rankings to help you narrow down a credit card that best suits your spending and budget.