Citi Double Cash
By Alex Compton · Last verified
The benchmark 2% card, that secretly earns transferable points.
Welcome Bonus
20,000
≈$200 value
Spend Requirement
$1,500
in 6 months
Annual Fee
$0
3% FTF
Credit Score
670+
(Good)
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 |
|---|---|---|---|---|
| 2026-09-04 | 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- 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Source checked 2026-09-04 · spot an outdated offer?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
- ✦0% intro APR for 18 months on balance transfers completed in the first four months; transfer fee applies
- ✦Extended warranty
- ✦Converts to full ThankYou points beside a Strata Premier or Elite
- ✦No annual fee or authorized-user fee
Why it earns its spot
- +2% floor on all spend
- +Upgrade path into transferable points
Where it costs you
- −3% FTF
- −No bonus categories
The Compound Verdict
Everyone should have a 2% floor card. This one upgrades into transferable currency the day you add a Strata, that flexibility wins the tiebreak.
Head-to-Head Comparisons
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