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Our verdict
The Double Cash is a proven 2% card: 1% when you buy and 1% more as you pay, with no annual fee and no categories. It’s best known for its balance transfer intro APR, while the Active Cash offers a purchase intro APR and a published welcome bonus.
Rating coming after our two-editor scoring
Citi Double Cash® Card
| Annual fee | $0 (Citi's pricing details: Annual Fee – None) |
|---|---|
| Rewards |
|
| Welcome offer | Not verified yet: check the issuer’s current terms |
| Intro APR | Intro APR applies to balance transfers only, not purchases (rate and length shown on Citi's application page) |
| Regular APR | Not verified yet: check the issuer’s current terms |
| Foreign transaction fee | Not verified yet: check the issuer’s current terms |
How the 1% + 1% works
Each billing cycle you earn 1 ThankYou Point per $1 of purchases and another point per $1 you pay toward purchases. 10,000 points redeem for a $100 statement credit, direct deposit or check, Citi says. Citi also says you must pay at least the minimum payment on time to earn cash back.
Rates and fees
Not verified yet: Citi’s page loads the intro balance transfer rate, regular APR, balance transfer fee and foreign transaction fee dynamically, so we couldn’t confirm them. See Citi’s Pricing Details before you apply.
Pros and cons
Pros
- 2% total cash back on purchases (1% + 1%)
- No annual fee and no category enrollment
- 5% total on hotels, car rentals and attractions booked through Citi Travel
- Redeem for statement credit or direct deposit with no minimum
Cons
- You earn the second 1% only as you pay off purchases
- Intro APR applies to balance transfers, not purchases
- Rewards are ThankYou Points, an extra step to cash out
Who it is for
People who want a flat 2% card and pay in full, and people who want to move a balance from another card and pay it down during the intro period.
Alternatives
- Wells Fargo Active Cash: 2% plus a purchase intro APR
- All flat-rate 2% cards
Frequently asked questions
How does Citi Double Cash earn 2%?
You earn 1% when you buy and another 1% as you pay for those purchases, as ThankYou Points that can be redeemed for cash back.
Does the Citi Double Cash have a 0% intro APR on purchases?
No. Citi says the intro APR applies to balance transfers only, not purchases.
Sources
- Citi Double Cash® Card (official page) (checked Oct 29, 2026)