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Citi Double Cash Card

The Citi Double Cash Card has no annual fee and earns 2% cash back on purchases, 1% when you buy and 1% as you pay, credited as ThankYou Points ⁠2⁠1. Hotels, car rentals and attractions booked through Citi Travel earn 3 additional points per $1, for 5 points per $1 in total ⁠2.

Compiled from official sources Checked against Citi’s terms Last reviewed How we research
Contents9 sections

At a glance

Annual fee$0⁠1
Foreign transaction fee3% Of the U.S. dollar amount of each purchase⁠1
RewardsEarns 2% cash back on purchases (1% when you buy, 1% as you pay), paid as ThankYou Points, plus an additional 3% (5% total) on hotels, car rentals and attractions booked through Citi Travel.
Rewards programCiti ThankYou Rewards
NetworkMastercard
Authorized usersNo fee⁠1
IssuerCiti · Official card page

What to know about the Double Cash

The second 1% is earned on payments, not purchases. Citi awards 1 point per $1 of eligible payments, but only up to the balance shown in the account's Purchase Tracker; payments must add up to at least the minimum payment due, and the account must be current to earn ⁠2. Citi states there are no caps on the cash back earned and no categories to enroll in ⁠1.

Points convert to cash back at 10,000 points for $100, paid by direct deposit, statement credit or check; other redemptions such as gift cards and travel vary in value ⁠2. For Citi Travel bookings paid partly with points, only the portion charged to the card earns points, and cancelled bookings earn nothing ⁠2.

Citi lists extended warranty as a card benefit, provided by New Hampshire Insurance Company, an AIG company, as secondary coverage, and refers cardmembers to the Guide to Protection Benefits for its terms and coverage limits ⁠1. Citi's $0 Liability on Unauthorized Charges policy applies to the card ⁠3. The FICO Score is free to view online and in the Citi Mobile App and is updated monthly ⁠1. Foreign purchases carry a fee of 3% of the U.S. dollar amount of each purchase, and there is no fee for authorized users ⁠1. Other listed features are Citi Merchant Offers, Mastercard ID Theft Protection and Citi Entertainment ⁠1.

Earning rewards

How the Double Cash earns cash back
RateOn
1x points per $1 (1% cash back) All purchases, when you buyNo caps⁠2
1x points per $1 paid (1% cash back) Payments on purchase balanceOnly up to the Purchase Tracker balance; payments must add up to at least the Minimum Payment Due; account must be current⁠2
3 additional x points per $1 (5 points per $1 total) Hotels, car rentals and attractions booked through Citi Travel (cititravel.com or 1-833-737-1288)Only the portion paid with the card earns points; no points on cancelled bookings⁠2

Points can be redeemed for cash back as direct deposit, statement credit or check at 10,000 points = $100; other redemptions (gift cards, travel, etc.) vary in value.⁠2

Purchase and phone protection

Extended warrantyExtended warranty listed as a card benefit; secondary coverage; details in the Guide to Protection Benefits.⁠1

Account features

Zero fraud liability$0 liability on unauthorized charges.⁠1⁠3
Free credit scoreFree FICO Score access online and in the Citi Mobile App, updated monthly.⁠1

Other perks

Mastercard ID Theft ProtectionFree identity monitoring program offered by Mastercard; enrollment required⁠1
Citi Merchant OffersStatement credits for enrolled merchant offers⁠1
Citi EntertainmentPresale and special-access tickets to events⁠1

Not listed for this card

The Citi pages and benefit terms we checked for the Double Cash do not list these benefits:

Some benefits come from the card network rather than the bank and are not always advertised. Your own Guide to Benefits, or the number on the back of the card, is the final word on what your account covers.

Sources

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