Citi Double Cash
By Alex Compton · Last verified
2% on eligible purchases: 1% when you buy and 1% as you pay
Welcome Bonus
20,000
≈$200 value
Spend Requirement
$1,500
in 6 months
Annual Fee
$0
3% FTF
Credit Score
Approval
depends on the issuer; no guaranteed minimum score
Current offer note: $200 cash back; 48-month product-bonus restriction applies
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-22 | 20,000 | $1,500 in 6 mo | Terms reconfirmed$200 cash back; 48-month product-bonus restriction applies | Citi Double Cash product page and pricing details → |
| 2026-09-04 | 20,000 | $1,500 in 6 mo | Terms reconfirmed$200 cash-back public offer; 48-month product-bonus restriction applies | Citi Double Cash product page and pricing details → |
| 2026-01 | 20,000 | $1,500 in 6 mo | Terms reconfirmed | Archive record · no attached snapshot |
| 2023-01 | 20,000 | $1,500 in 6 mo | Earliest record | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- confirmed
Guide-only fee and ongoing rewards check October 23. Does not renew full card, current welcome offer, APR or approval claims.
Issuer terms for no-annual-fee guide → - confirmed
Confirmed no annual fee and 3% foreign purchase fee. No current purchase APR or fixed introductory transfer duration asserted from this pricing table.
Citi Double Cash pricing table → - changed
Verified buy/pay reward structure, Citi Travel 5%, cash redemption, extended warranty, no annual fee and 48-month eligibility restriction. Current page FAQ JSON-LD confirms $200 after $1,500 within six months; Citi benefits article independently matches. Removed unconditional earning and no-bonus-category claims.
Fields: lastVerified, currentOffer, offerHistory, tagline, benefits, pros, cons, ourTake
Citi Double Cash current product page → - changed
Confirmed the $200 public offer and added current Citi Travel earning, balance-transfer APR and warranty terms.
Fields: currentOffer, offerHistory, earningRates, benefits, lastVerified
Citi Double Cash product page and pricing details →
Source checked 2026-10-22 · spot an outdated offer? Report a correction above.
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Earning Rates
- 5xHotels, car rentals & attractions through Citi TravelIncludes the standard 1% when you buy and 1% as you pay
- 2xEverything (1% buy + 1% pay)
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Cash back earned as ThankYou Points, redeemable for statement credit, direct deposit or check
- ✦Extended warranty, subject to the benefit guide
- ✦No annual fee or authorized-user fee
- ✦Balance-transfer promotions may be available; check the application terms and transfer fee
Why it earns its spot
- +Earn 2% on eligible purchases after paying for them, without requiring a mobile wallet
- +Earn 5% total on eligible hotels, car rentals and attractions booked through Citi Travel
Where it costs you
- −3% foreign purchase fee
- −The second 1% depends on payments against the purchase balance
- −Balance transfers and cash advances do not earn purchase rewards
The Compound Verdict
Double Cash is a straightforward choice for domestic spending when you pay your purchase balance and want cash rewards without choosing a payment method. The second 1% comes as you pay, so it is not an unconditional upfront 2%. Compare Citi Travel prices before booking for its higher rate, and use a card without foreign purchase fees abroad.
Head-to-Head Comparisons
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