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Citi recently announced an exciting new offer on its popular Citi Double Cash® Card. Right now, new cardholders can earn a $200 cash-back bonus after you spend $1,500 on purchases in the first 6 months of account opening. The bonus is awarded as 20,000 ThankYou® points — which you can redeem for cash back or transfer to a limited set of Citi transfer partners.
If you're looking to pay down debt or finance a larger purchase, this card also comes with one of the best available introductory APR offers on balance transfers.
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 2% cash back on every purchase - 1% when you buy + 1% when you pay
- 0% intro APR on balance transfers for 18 months. After that, the (Variable) APR will be 18.24% - 28.24% based on your creditworthiness
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5)
- No annual fee
- Earn 2% cash back on every purchase—1% when you buy and 1% when you pay. Plus, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25. Citi cash rewards now also convert to ThankYou points at 1:1 ($10 = 100 ThankYou points).
This is only the second cash-back offer we’ve seen on the Citi Double Cash in all the years we’ve covered this top cash-back card here at AwardWallet. The standard offer for this card has been an introductory 0% APR on balance transfers with no cash-back bonus.
Right now, new applicants can still take advantage of a lucrative intro APR on balance transfers and earn a rare $200 bonus. Here's what you need to know about this solid deal on one of our favorite cash-back cards.
Citi Double Cash Offer Highlights
- Earn an increased $200 cash back bonus after you spend $1,500 on purchases in the first 6 months of account opening.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Get a 0% intro APR on Balance Transfers for 18 months, then a variable rate of 18.24% - 28.24% – There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5)
- No minimum cash back redemption amount when you redeem for a statement credit or direct deposit into your bank account.
- $0 annual fee.
If you also hold a Citi Strata Premier℠ Card or Citi Prestige® Card, you can transfer points earned on the Citi Double Cash to 21 airline and hotel partners.
Related: How to convert Citi Double Cash rewards to transferrable ThankYou Points at 1:1
Should You Get The Citi Double Cash 20K Offer or 60K Citi Strata Premier Bonus?
If you are chasing a new rewards card, you would be hard-pressed to go past Citi’s ThankYou Points ecosystem as one of the best options. New applicants can choose between the $200 bonus on the Citi Double Cash, or a 60,000 point bonus on the iconic Citi Strata Premier.
If you don’t already have the Citi Strata Premier in your wallet, this is one of the best mid-tier rewards cards available. The current 60,000 offer plus the ability to transfer points to travel partners makes this card much more valuable.
If you already hold the Citi Strata Premier or don’t want to pay an annual fee, this is an excellent opportunity to secure a cash-back bonus on the Citi Double Cash. Remember, when paired with a Citi Strata Premier or Prestige Card card, you can transfer points earned on the Citi Double Cash to the full roster of Citi transfer partners.
Who Is Eligible for the Citi Double Cash Offer?
The Citi Double Cash is not subject to the same application restrictions as other ThankYou Points earning cards. Outside of the standard Citi application restrictions, applying for this card won’t affect your ability to get other Citi ThankYou cards, nor will applying for those cards jeopardize your application for the Citi Double Cash.
The only other item applicants need to be aware of is Citi's 8/65 rule. If you are trying to time your application around other Citi cards, or intend to apply for both the Citi Double Cash and Citi Strata Premier, you can only apply for one personal card per 8-day period, and only two cards in a 65-day period.
Our Take
The new Citi Double Cash bonus is a solid deal on one of our favorite everyday credit cards, offering $200 cash back with an affordable minimum spending requirement spread over six months — requiring an average of just $250 per month in spending.
In addition to the standout welcome offer, cardholders earn 2 ThankYou Points for every dollar spent on the card, plus you can take advantage of an intro 0% APR offer on balance transfers for 18 months.
If you're looking to pay down debt or finance a larger purchase, this card also comes with one of the best available introductory APR offers on balance transfers.
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 2% cash back on every purchase - 1% when you buy + 1% when you pay
- 0% intro APR on balance transfers for 18 months. After that, the (Variable) APR will be 18.24% - 28.24% based on your creditworthiness
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5)
- No annual fee
- Earn 2% cash back on every purchase—1% when you buy and 1% when you pay. Plus, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25. Citi cash rewards now also convert to ThankYou points at 1:1 ($10 = 100 ThankYou points).
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