{"id":956,"date":"2025-12-06T19:50:01","date_gmt":"2025-12-06T19:50:01","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=956"},"modified":"2026-04-08T14:29:29","modified_gmt":"2026-04-08T14:29:29","slug":"citi-double-cash-card","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-double-cash-card\/","title":{"rendered":"Citi Double Cash\u00ae Card Review: One of the Best Cards for Everyday Spending"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">The Citi Double Cash<sup>\u00ae<\/sup> Card <\/span> (<a data-ccid=\"3002009\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=951783.4206&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) is incredibly valuable for individuals who want to keep their rewards earning straightforward without an annual fee. This card earns <span style=\"font-weight: 400;\"> 2% on every purchase<\/span>: 1% when you buy plus 1% as you pay.<\/p>\n<p>Even better, you can now transfer those rewards to 21 <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-transfer-partners\/\" rel=\"noopener\">Citi transfer partners<\/a> &#8212; albeit at less than a 1:1 transfer rate. Or pair <span style=\"font-weight: 400;\">it with one of Citi\u2019s premium cards &#8212; such as the <a data-ccid=\"520083\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-premier\/\">Citi Strata Premier<sup>\u00ae<\/sup> Card<\/a> (<a data-ccid=\"520083\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=1978593.4328&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>) &#8212; to transfer ThankYou<sup>\u00ae<\/sup> Points earned with the Citi Double Cash to transfer partners at the optimal transfer ratio.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">And while the Citi Double Cash <\/span>Card <span style=\"font-weight: 400;\">typically hasn't offered a welcome bonus, it has one right now, meaning the card has become even more valuable in the first year. Here's everything you should know about this card.<\/span><\/p>\n<p><div class=\"qs-card\" data-id=\"3002009\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/12d797ee-967a-492c-afac-48873b260ebb.jpg\" width=\"150\" alt=\"Citi Double Cash\u00ae Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Citi Double Cash\u00ae Card' data-ccid=\"3002009\" href=\"\/blog\/link\/CR-CitiDoubleCashCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"3002009\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=951783.4206&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn $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<sup>\u00ae<\/sup> Points, which can be redeemed for $200 cash back. <\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn $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<sup>\u00ae<\/sup> Points, which can be redeemed for $200 cash back. <\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Citi Double Cash is a dynamic, no-annual-fee cash-back rewards card that allows you to earn 2% traditional cash back, or convert your rewards to ThankYou Rewards points at a 1:1 ratio (2x ThankYou points per $1). When paired with a premium ThankYou Rewards earning card, the Citi Double Cash is now the best card available for everyday, non-bonus purchases.\r\n<br>\r\n<br>\r\nIf 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.<\/div><div class=\"qs-tab-hl\"><ul>\r\n<li>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<sup>\u00ae<\/sup> Points, which can be redeemed for $200 cash back.<\/li>\r\n<li>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.\r\n<br><br>\r\nPlus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.<\/li>\r\n<li>Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% - 27.49%, based on your creditworthiness.<\/li>\r\n<li>Balance Transfers do not earn cash back. Intro APR does not apply to purchases.<\/li>\r\n<li>If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.<\/li>\r\n<li>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).<\/li>\r\n<\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>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.\r\n<br><br>\r\nPlus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/DoubleCash-18BT\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-225dd03297#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Citi_Double_Cash_Pros\">Citi Double Cash Pros<\/a><\/li><li><a href=\"#Citi_Double_Cash_Cons\">Citi Double Cash Cons<\/a><\/li><li><a href=\"#Citi_Double_Cash_Welcome_Offer\">Citi Double Cash Welcome Offer<\/a><\/li><li><a href=\"#Citibank_Double_CashBenefits\">Citibank Double Cash\u00a0Benefits<\/a><ul><li><a href=\"#Intro_APR_offer\"> Intro APR offer <\/a><\/li><li><a href=\"#Card_protections\">Card protections<\/a><\/li><\/ul><\/li><li><a href=\"#Double_Cash_Card_Earning_Rates\">Double Cash Card Earning Rates<\/a><\/li><li><a href=\"#Redeeming_Rewards_With_the_Citi_Double_Cash_Card\">Redeeming Rewards With the Citi Double Cash Card<\/a><\/li><li><a href=\"#Application_Restrictions\">Application Restrictions<\/a><\/li><li><a href=\"#Cards_That_Compete_With_the_Citi_Double_Cash\">Cards That Compete With the Citi Double Cash<\/a><\/li><li><a href=\"#Bottom_Line\">Bottom Line<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"Citi_Double_Cash_Pros\"><b>Citi Double Cash Pros<\/b><\/span><\/h2>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Earn 2% on every purchase (1% when you buy plus 1% as you pay).<\/span><\/li>\n<li><span style=\"font-weight: 400;\">Cash back on purchases with no caps.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">$0 annual fee.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">No minimum amount for redemptions.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\"><a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/do-citi-points-expire\/\" rel=\"noopener\">Citi ThankYou<sup>\u00ae<\/sup> points don't expire<\/a> as long as your account is in good standing.<\/span><\/li>\n<\/ul>\n<h2><span id=\"Citi_Double_Cash_Cons\"><b>Citi Double Cash<\/b><b> Cons<\/b><\/span><\/h2>\n<ul>\n<li><span style=\"font-weight: 400;\">Points transfer ratio is reduced without another Citi credit card in your wallet.<\/span><\/li>\n<li><span style=\"font-weight: 400;\">3% foreign transaction fee for each purchase.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">No bonus spending categories apply.<\/span><\/li>\n<\/ul>\n<figure id=\"attachment_127435\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/450\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-127435 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/franki-chamaki-unsplash-editorial.jpg\" alt=\"inside an aisle of a supermarket\" width=\"600\" height=\"450\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/franki-chamaki-unsplash-editorial.jpg 700w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/franki-chamaki-unsplash-editorial-300x225.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/franki-chamaki-unsplash-editorial-276x207.jpg 276w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/franki-chamaki-unsplash-editorial-476x357.jpg 476w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Franki Chamaki\/Unsplash<\/em><\/enter><\/figure>\n<h2><span id=\"Citi_Double_Cash_Welcome_Offer\"><b>Citi Double Cash Welcome Offer<\/b><\/span><\/h2>\n<p>The <a data-ccid=\"3002009\" href=\"\/blog\/link\/CR-CitiDoubleCashCard\" rel=\"noopener nofollow sponsored\">Citi Double Cash<\/a> doesn't typically offer a welcome bonus. However, potential new cardholders are in luck:\u00a0New applicants can 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<sup>\u00ae<\/sup> Points, which can be redeemed for $200 cash back. That's a solid 13.33% return on spending during the introductory period &#8212; in addition to your standard earnings.<\/p>\n<p><strong>Related:<\/strong> <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-double-cash-bonus\/\" rel=\"noopener\">Current Citi Double Cash Sign-Up Bonus<\/a><\/p>\n<h2><span id=\"Citibank_Double_CashBenefits\"><b>Citibank Double Cash\u00a0Benefits<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">As a no-annual-fee card generally focused on cash back and not travel, the number of perks on the <a data-ccid=\"3002009\" href=\"\/blog\/link\/CR-CitiDoubleCashCard\" rel=\"noopener nofollow sponsored\">Citi Double Cash<\/a> is limited. However, some benefits are worth highlighting. You'll enjoy these perks as a cardholder:<\/span><\/p>\n<h3><span id=\"Intro_APR_offer\"> Intro APR offer <\/span><\/h3>\n<p><span style=\"font-weight: 400;\">New cardholders can enjoy introductory annual percentage rate (APR) offers on balance transfers as follows:<\/span><\/p>\n<p>0% introductory APR on balance transfers for 18 months. Thereafter, your APR will be 17.49% - 27.49% (Variable). The fee for balance transfers depends on how long your account has been open: 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).<\/p>\n<p>Note that if you transfer a balance, interest will be charged on your purchases unless you pay your entire balance on time each month.<\/p>\n<h3><span id=\"Card_protections\">Card protections<\/span><\/h3>\n<p>You'll enjoy typical $0 liability on unauthorized charges and fraud monitoring with your Citi Double Cash. In addition, Citi <a href=\"https:\/\/awardwallet.com\/news\/credit-cards\/citi-extended-warranty\/\">reinstated the extended warranty benefit<\/a>. Beyond these, you won't find protections like <a href=\"https:\/\/awardwallet.com\/credit-cards\/travel-insurance\/\">travel insurance<\/a>, as Citi eliminated these benefits from most of its cards in 2019.<\/p>\n<h2><span id=\"Double_Cash_Card_Earning_Rates\"><b>Double Cash Card Earning Rates<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The <a data-ccid=\"3002009\" href=\"\/blog\/link\/CR-CitiDoubleCashCard\" rel=\"noopener nofollow sponsored\">Citi Double Cash<\/a> earns back at the following rate: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To qualify for cash back, you have to make at least the minimum payment on your Citi credit card bill by the due date. Plus, earn 5% total cash back on hotels, car rentals, and attractions booked with Citi Travel<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This means the card is excellent for non-bonus spending on categories not covered by your other cards. It is also great for keeping things simple: No matter what, you are earning at least 2% on every purchase, which is tough to beat. That makes this one of the <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/best-everyday-credit-card\/\" rel=\"noopener\">best credit cards for everyday spending<\/a>.<\/span><\/p>\n<h2><span id=\"Redeeming_Rewards_With_the_Citi_Double_Cash_Card\"><b>Redeeming Rewards With the Citi Double Cash Card<\/b><\/span><\/h2>\n<p>With the Citi Double Cash, you earn cash back as <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/\" rel=\"noopener\">Citi ThankYou Points<\/a>. You can redeem those points in the form of cash back (as a statement credit), direct deposit, or check. Additionally, you can redeem points for gift cards or travel. These redemptions typically offer 1\u00a2 per point for your rewards, which is less than some of the other ways to spend them.<\/p>\n<p>However, starting in July 2025, <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/news\/citi-thankyou-rewards\/transfer-partners-no-annual-fee-cards\/\" rel=\"noopener\">Citi expanded points transfers to Citi Double Cash cardholders<\/a>. Now, cardholders can transfer points to 21 &#8212; but only at a reduced rate.<\/p>\n<p data-pm-slice=\"1 1 []\">If you have a Citi ThankYou Points-earning card with an annual fee, such as the <a data-ccid=\"520083\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-premier\/\">Citi Strata Premier<\/a> or the <a data-ccid=\"242\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-strata-elite-offer\/\">Citi Strata Elite\u2120 Card<\/a><span style=\"font-weight: 400;\"> (<a data-ccid=\"242\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=1978593.4347&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>)<\/span>, you can <a target=\"_blank\" href=\"https:\/\/www.thankyou.com\/partnerProgramsListing.htm?src=TYUSENG\" rel=\"noopener\">transfer your points<\/a> at a better rate to Citi transfer partners. Using the best-available transfer rates, AwardWallet readers get an average of <span style=\"font-weight: 400;\">2.31\u00a2 apiece with these redemptions.<\/span><\/p>\n<figure id=\"attachment_127434\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/387\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-127434 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/john-mcarthur-unsplash-editorial.jpg\" alt=\"Citi Double Cash offers multiple ways to book flights and other travel with ThankYou points\" width=\"600\" height=\"387\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/john-mcarthur-unsplash-editorial.jpg 700w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/09\/john-mcarthur-unsplash-editorial-300x194.jpg 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: John McArthur\/Unsplash<\/em><\/enter><\/figure>\n<h2><span id=\"Application_Restrictions\">Application Restrictions<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Citi has some application restrictions that may limit you from getting approved for the card or being eligible for a signup bonus. For instance, Citi has an 8\/65 rule that applicants must abide by to be approved, including:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">No more than one Citi card in an eight-day period<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">No more than two Citi cards in a 65-day period<\/span><\/li>\n<\/ul>\n<p>For more details, check out our post covering <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/credit-cards\/rewards-card-application-rules\/\" rel=\"noopener\">application restrictions for major credit card providers<\/a>.<\/p>\n<h2><span id=\"Cards_That_Compete_With_the_Citi_Double_Cash\"><b>Cards That Compete With the Citi Double Cash<\/b><\/span><\/h2>\n<div class=\"compare-cards-wrap compare-count-cards-3 compare-p-capital-one\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/95\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/06\/cardart-citicustomcashcard.png\" width=\"150\" alt=\"Citi Custom Cash&lt;sup&gt;\u00ae&lt;\/sup&gt; Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Citi Custom Cash<sup>\u00ae<\/sup> Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou<sup>\u00ae<\/sup> points, which can be redeemed for $200 cash back.<\/div><\/div><div class=\"compare-apply\"><a class=\"qs-learn-more\" data-ccid=\"4048250\" data-exit=\"ccw\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-custom-cash\/\">Learn More<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<\/p><\/div><div class=\"compare-rating compare-rating--9\"><strong>Credit Score<\/strong><p>Fair, Good, or Excellent<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent<\/li>\r\n<li>1% cash back thereafter, plus, you'll earn unlimited 1% cash back on all other purchases<\/li>\r\n<li>No rotating bonus categories to sign up for \u2013 as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.<\/li>\r\n<li>Eligible spending categories are: <I>Restaurants, Gas Stations, Grocery Stores, Select Travel, Select Transit, Select Streaming Services, Drugstores, Home Improvement Stores, Fitness Clubs and Live Entertainment.<\/i><\/li>\r\n<li><b><i>Special Travel Offer:<\/i><\/b> Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel<sup>\u2120<\/sup> portal.<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/aef345f2-25d7-4d44-b7c7-e62661f0291c.png\" width=\"150\" alt=\"Chase Freedom Unlimited\u00ae\"\/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Chase Freedom Unlimited<sup>\u00ae<\/sup><\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong>\r\nEarn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening<\/div><\/div><div class=\"compare-apply\"><a class=\"btn-use qs-apply-now\" title='Chase Freedom Unlimited\u00ae' data-ccid=\"3006090\" data-exit=\"ccw\" href=\"\/blog\/link\/ChaseFreedomUnlimited\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<span class=\"compare-terms\"><a data-ccid=\"3006090\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1993744.10005134&type=3&subid=007a310aee561692acd69cbf472d2c047&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn 5% on purchases through Chase Travel\u2120<\/li>\r\n<li>Earn 3% on dining at restaurants <\/li>\r\n<li>Earn 3% on drugstore purchases <\/li>\r\n<li>Earn 1.5% on all purchases <\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/dfed8cb4-d376-4c8b-aed4-1997afa3d66a.png\" width=\"150\" alt=\"Capital One Venture Rewards Credit Card\" class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Capital One Venture Rewards Credit Card<\/div><div class=\"compare-offer\"><strong>Welcome Offer<\/strong>\r\nEarn 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening. <\/div><\/div><div class=\"compare-apply\"><a data-ccid=\"3006151\" data-exit=\"ccw\" class=\"btn-use qs-how-apply\" title='Capital One Venture Rewards Credit Card' href=\"\/blog\/link\/CR-COV\" target=\"_blank\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$95<\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>5X miles per dollar on purchases through Capital One Entertainment <\/li>\r\n<li>5X miles per dollar on hotels, vacation rentals and rental cars booked through Capital One Travel<\/li>\r\n<li>2X miles per dollar on all other purchases<\/li>\r\n<\/ul><\/div><\/div><\/div>\n<ul>\n<li><b>If you're looking for bonus spending categories,<\/b><span style=\"font-weight: 400;\"> consider the <a data-ccid=\"4048250\" href=\"https:\/\/awardwallet.com\/credit-cards\/citi-thankyou-rewards\/citi-custom-cash\/\">Citi Custom Cash<sup>\u00ae<\/sup> Card<\/a> with a $0 annual fee.<\/span><span style=\"font-weight: 400;\"> This <a target=\"_blank\" href=\"https:\/\/awardwallet.com\/find-a-card\/cash-back\" rel=\"noopener\">cash-back card<\/a> can be more valuable if you hold other Citi cards, as described above.\u00a0<\/span><\/li>\n<li><b>If you want a card that earns elevated non-bonus spending but also has bonus categories<\/b><span style=\"font-weight: 400;\">, look into the <a data-ccid=\"3006090\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/freedom-unlimited\/\">Chase Freedom Unlimited<sup>\u00ae<\/sup><\/a> (<a data-ccid=\"3006090\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=g3lR0xvjyAU&offerid=1993744.10005134&type=3&subid=007a310aee561692acd69cbf472d2c047&subid=639396\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a>).<\/span><span style=\"font-weight: 400;\"> This card offers unlimited 1.5% on all other purchases and 3% on dining and drugstores. The card also earns 5% on travel purchased through Chase Travel\u2120 and does not have an annual fee.\u00a0<\/span><\/li>\n<li><b>If you want a card with 2X earnings and (mostly 1:1) transfer partners,<\/b><span style=\"font-weight: 400;\"> check out the <a data-ccid=\"3006151\" href=\"https:\/\/awardwallet.com\/credit-cards\/capital-one-rewards\/venture-card\/\">Capital One Venture Rewards Credit Card<\/a>.<\/span><span style=\"font-weight: 400;\"> It earns 2X miles on all purchases with no limits, plus 5X miles on hotels, vacation rentals and rental cars booked in the travel portal. The miles can be transferred directly to Capital One\u2019s hotel and airline partners with no other card needed.<\/span><\/li>\n<\/ul>\n<h2><span id=\"Bottom_Line\"><b>Bottom Line<\/b><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The <a data-ccid=\"3002009\" href=\"\/blog\/link\/CR-CitiDoubleCashCard\" rel=\"noopener nofollow sponsored\">Citi Double Cash<\/a> is a lucrative cash-back credit card offering 2% on every purchase. This simplicity in earning points is excellent for non-bonus spending and for those who do not want to worry about when to use different cards. This is especially true considering there is no annual fee. Where the card  continues  to shine is when it is paired with a premium Citi credit card, unlocking 1:1 points transfers with almost 20 partners.<\/span><\/p>\n<p><div class=\"qs-card\" data-id=\"3002009\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/12d797ee-967a-492c-afac-48873b260ebb.jpg\" width=\"150\" alt=\"Citi Double Cash\u00ae Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"btn-use qs-apply-now\" title='Citi Double Cash\u00ae Card' data-ccid=\"3002009\" href=\"\/blog\/link\/CR-CitiDoubleCashCard\" target=\"_blank\" rel=\"noopener nofollow sponsored\">Apply Now<\/a><\/div>\n                    <div class=\"qs-rates\"><span class=\"qs-terms\"><a data-ccid=\"3002009\" href=\"https:\/\/click.linksynergy.com\/fs-bin\/click?id=a3pDkecFgAg&offerid=951783.4206&type=3&subid=0\" target=\"_blank\" rel=\"noopener\">Rates & Fees<\/a><\/span><\/div>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn $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<sup>\u00ae<\/sup> Points, which can be redeemed for $200 cash back. <\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Citi Double Cash<sup>\u00ae<\/sup> Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Welcome Offer<\/strong>\r\nEarn $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<sup>\u00ae<\/sup> Points, which can be redeemed for $200 cash back. <\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><a href=\"\" data-tab=\"hl\">Highlights<\/a><a href=\"\" data-tab=\"er\">Earning Rates<\/a><div class=\"qs-tab-wwl\">The Citi Double Cash is a dynamic, no-annual-fee cash-back rewards card that allows you to earn 2% traditional cash back, or convert your rewards to ThankYou Rewards points at a 1:1 ratio (2x ThankYou points per $1). When paired with a premium ThankYou Rewards earning card, the Citi Double Cash is now the best card available for everyday, non-bonus purchases.\r\n<br>\r\n<br>\r\nIf 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.<\/div><div class=\"qs-tab-hl\"><ul>\r\n<li>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<sup>\u00ae<\/sup> Points, which can be redeemed for $200 cash back.<\/li>\r\n<li>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.\r\n<br><br>\r\nPlus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.<\/li>\r\n<li>Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.49% - 27.49%, based on your creditworthiness.<\/li>\r\n<li>Balance Transfers do not earn cash back. Intro APR does not apply to purchases.<\/li>\r\n<li>If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.<\/li>\r\n<li>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).<\/li>\r\n<\/ul><\/div><div class=\"qs-tab-er\"><ul>\r\n<li>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.\r\n<br><br>\r\nPlus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.<\/li>\r\n<\/ul><\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/DoubleCash-18BT\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-5-225dd03297#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Citi Double Cash\u00ae Card is an excellent cash-back credit card offering 2% back on every purchase. This simplicity in earning points is excellent for non-bonus spending and for those who do not want to worry about when to use different cards, especially for a card with no annual fee. Beyond this, there aren&#8217;t many perks, but it&#8217;s still one of our favorite cards for everyday spending. Let&#8217;s look at the positives and negatives.<\/p>\n","protected":false},"author":83,"featured_media":131387,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"default","_google_business_share_type":"default","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12620,12707,12785],"coauthors":[36439,36412],"class_list":["post-956","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-reviews","tag-citi-thankyou-rewards","tag-citibank"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/956","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/83"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=956"}],"version-history":[{"count":79,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/956\/revisions"}],"predecessor-version":[{"id":252296,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/956\/revisions\/252296"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/131387"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=956"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=956"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=956"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=956"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}