Citi Double Cash® Credit Card
$200 cash back after you spend $1,500 in 6 months. No annual fee.
- Welcome offer
- Issuer's pageciti.com
“You can earn your $200 welcome bonus by spending $1,500 on purchases in the first 6 months of opening your Citi Double Cash® Card account.”
- Annual fee
- Issuer's pageciti.com
The source states this figure; we have no exact sentence on file yet.
- Purchase APR
- Issuer's pageciti.com
“The variable APR for purchases is 18.49 % - 28.74 %, based on your creditworthiness.”
- Foreign transaction fee
- Issuer's pageciti.com
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $320 | $120 |
| Typical spender | $500 | $300 |
| Heavy spender | $860 | $660 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: not counted: 1x Every purchase.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 100% of the 49 cards on our 0% intro APR list (see the list).
- Worth more to a typical spender than about 70% of the 650 cards we track.
- Lower top APR than about 25% of the 577 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
$200 cash
After you spend $1,500 on purchases in your first 6 months.
The offer states that the bonus is available to new cardmembers only and is subject to credit approval and additional limitations, terms and conditions.
How you earn · ThankYou® Rewards
- 3× pointsHotels, car rentals, and attractions booked through the Citi Travel® portal
- 1× pointsEvery purchase
- 1× pointsEverything else
Rates and fees
| Annual fee | Issuer's pageciti.com The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Issuer's pageciti.com “The variable APR for purchases is 18.49 % - 28.74 %, based on your creditworthiness.” |
| Intro APR | Issuer's pageciti.com The source states this figure; we have no exact sentence on file yet. |
| Balance transfer APR | Issuer's pageciti.com “0 % Intro APR on balance transfers for 18 months from date of account opening; after that, the variable APR will be 18.49 % - 28.74 % based on your creditworthiness.” |
| Balance transfer fee | Issuer's pageciti.com The source states this figure; we have no exact sentence on file yet. |
| Cash advance APR | Issuer's pageciti.com “Variable cash advance APR - 29.99 %.” |
| Cash advance fee | Issuer's pageciti.com “Cash advance fee – either $ 10 or 5 % of the amount of each cash advance, whichever is greater.” |
| Penalty APR | Issuer's pageciti.com “Variable Penalty APR up to 29.99 % and applies if you pay late or your payment is returned.” |
| Foreign transactions | Issuer's pageciti.com The source states this figure; we have no exact sentence on file yet. |
| Minimum interest charge | Issuer's pageciti.com “Minimum interest charge – $ 0.50 .” |
Carrying a balance? See how long it takes to pay off
Benefits
- Additional 3% cash back on hotels, car rentals, and attractions booked through the Citi Travel® portal, in addition to the 1% when you buy and 1% as you pay.
- Citi Entertainment® provides eligible Citi cardmembers special access to presale tickets, event tickets, and exclusive experiences.
- Citi® Merchant Offers provides qualifying statement credits after enrollment and qualifying purchases under the offer details.
- $0 liability on unauthorized charges.
- Access to a free FICO® Score online, updated monthly.
- Mastercard® ID Theft Protection monitors selected information and alerts you if suspicious activity is found; enrollment is required.
- Citi® Quick Lock can block new charges while recurring transactions continue.
- Citi provides 24-hour fraud protection and alerts customers about unusual activity.
- Automatic account alerts for balances, payments, and credit limits.
- The cardholder may choose an available payment due date.
- Paperless statements and e-communications.
- 24/7 customer service through Citi digital services and the Citi Mobile® App.
- Contactless payment and digital wallet support.
- Citi® Flex Pay is available on eligible purchases of $75 or more and allows fixed monthly payments while continuing to earn points.
- Extended warranty
Questions
- What is the annual fee?
- None citi.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- Yes: 3 % of the U.S. dollar amount of each purchase.. citi.com, since Sep 29, 2026
- What is the purchase APR?
- 18.49–28.74% APR citi.com, since Sep 29, 2026
- Is there an intro APR?
- 0 % for 18 months. citi.com, since Sep 29, 2026
- Is there a welcome bonus?
- $200 cash back after $1,500 in purchases in 6 months. citi.com, since Sep 29, 2026
Other points cards with no annual fee
- GM Business MastercardBarclays · No annual fee+$600 a year
- GM Rewards MastercardBarclays · No annual fee+$600 a year
- CareCredit MastercardSynchrony · No annual fee+$410 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).