Citi Double Cash
FeaturedFreeBest flat-rate cash back card earning 2% on every purchase
💵Cash Back CardsAbout Citi Double Cash
The Citi Double Cash card is the benchmark for flat-rate cash back, earning an effective 2% on every purchase — 1% when you buy and 1% when you pay. With no annual fee, no category restrictions, and no earning caps, it delivers consistent value on all spending. The card now earns ThankYou Points that can be transferred to Citi travel partners when paired with certain Citi cards, adding flexibility beyond simple cash back.
What's Great
- ✓Effective 2% cash back on every purchase with no categories to manage
- ✓No annual fee makes it profitable from the first dollar spent
- ✓ThankYou Points can transfer to travel partners for potentially higher value
- ✓No earning caps or spending limits on cash back rewards
- ✓Long 0% intro APR period on balance transfers
Watch Out For
- !No sign-up bonus for new cardholders
- !3% foreign transaction fee makes it poor for international use
- !Must pay your bill to earn the second 1% cash back
- !No additional perks like purchase protection or extended warranty
Common Use Cases
Everyday spender wanting simple, guaranteed 2% back on all purchases
Someone carrying existing debt who can benefit from 0% balance transfer APR
Minimalist who wants one no-fee card that works for everything
Pricing Model
Free
100% free to use — no credit card required.
Category
Cash Back Cards
Earn cash back on everyday purchases with straightforward rewards.
Tags
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