Citi Double Cash Mastercard Review

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The Citi® Double Cash Card – 18 month BT offer is one of my favorite cash back cards because it earns up to on all purchases (1% when you make a purchase, plus 1% when you pay that purchase off) with no annual fee.

Cash back is in the form of Citi ThankYou points, which allows you to redeem points for cash back, gift cards, and travel. 

The Double Cash gets even better when you combine it with the Citi Premier, which unlocks the ability to transfer to airline and hotel partners. 

This combo also allows you to earn a very competitive 2 airline miles per dollar on all of your spending. 

Let’s dive right in.

2% Cash Back & No Annual Fee
Citi® Double Cash Card – 18 Month BT Offer
  • 2% Cash Back (1% on Purchases, 1% When You Pay)
  • 0% Intro APR on Balance Transfers for 18 months. After That, a Variable APR of 18.24% – 28.24%
  • No Annual Fee
Learn More

No Welcome Bonus

One of the downsides is that the Citi Double Cash currently does not offer a welcome bonus.

The last welcome bonus was $200 for a few months in 2022. Before that, the last welcome bonus of $150 was in 2019. 

Unlimited 2% Cash Back

Cardmembers earn 1% cash back when they buy and 1% when they pay for their purchases, for a total of 2% cash back. 

Cash back will be automatically earned through ThankYou points, which can be redeemed for cash back, gift cards, and many other things (detailed below).

If you want to supercharge your rewards, you should also consider adding the Citi Premier, which allows you to transfer the ThankYou points earned with the Citi Double Cash to the Premier card, which can then be transferred to Citi’s airline and hotel partners.

This would also allow you to earn 2x airline or hotel points on all of your purchases, making the Double Cash a powerful everyday spending card.

But the Double Cash is not a good option outside the United States, because it cards a 3% foreign transaction fee.

0% Intro APR for 18 Months on Balance Transfers

The Double Cash card offers 0% intro APR on balance transfers for 18 months. After that, the variable APR will be 18.24% to 28.24%, based on your creditworthiness.

There is an intro balance transfer fee of 5% of each transfer (minimum $5) completed within the first 4 months of account opening.

Citi Double Cash Card Benefits

The Citi Double Cash doesn’t offer any major benefits or perks, but it does offer:

Citi Entertainment– Citi Entertainment gets Citi cardholders special access to purchase tickets to thousands of events, including pre-sale tickets, and exclusive experiences.

Citi Identity Theft Solutions– If your personal information has been stolen to commit fraud or theft, Citi has a team of specialists to help you restore your credit even if occurred on a non-Citi card.

Free FICO Score– Your FICO score is the most common credit score used by U.S. lenders, and Citi provides this for free to cardholders.

Redeeming Rewards

This card earns Citi ThankYou points, which can be redeemed in several different ways:

  • Statement Credit = 1 cent per point
  • Direct Deposit = 1 cent per point
  • Check by mail = 1 cent per point with a minimum of $5
  • Travel = 1 cent per point when you book travel through Citi.
  • Gift Cards = 1 cent per point or above with minimum of 2,500 points
  • Charitable Contributions = 1 cent per point
  • Shop with Points: Amazon, PayPal, CVS, Best Buy, 1-800 Flowers, BP, Amoco, and Shell

Transferring to Airline and Points Partners

The Citi Double Cash is limited compared to other ThankYou points cards when it comes to the ability to transfer points to partners.

You can only transfer to Choice Privileges, JetBlue TrueBlue, Sears’ Shop Your Way, and Wyndham Rewards.

But the transfer rates are suboptimal: Choice (1 ThankYou to 1.5 Choice), JetBlue (1 ThankYou to 0.8 JetBlue), and Wyndham (1 ThankYou to 0.8 Wyndham).

But you have better transfer rates and more transfer options if you have the Citi Premier or Citi Prestige (not open to new applicants).

These cards unlock an additional 14 airline points programs that you can transfer 1 ThankYou point to 1 airline mile to maximize your travel.

Citi Credit Card Logo Citi ThankYou Partners
AEROMEXICO LOGO AeroMexico LifeMiles Avianca LifeMiles
Air France Air France/KLM Flying Blue Cathay Pacific Cathay Pacific Asia Miles
Emirates logo Emirates Skywards Etihad Etihad Guest
EVA Air EVA Air JetBlue JetBlue TrueBlue
Malaysia Airlines logo Malyasia Airlines Qantas Logo Qantas
Qatar Airways logo Qatar Airways Singapore Airlines Singapore KrisFlyer
Thai Airways logo Thai Airways Turkish Airlines logo Turkish Airlines
Virgin Atlantic logo Virgin Atlantic Choice Logo Choice Privileges (1 to 2)
Wyndham Logo Wyndham Rewards shop-your-way-logo-featured Shop Your Way (1 to 10)

Pros and Cons of the Double Cash

Here’s a quick overview of this card’s advantages and disadvantages.


  • 2% cash back everywhere
  • No annual fee
  • Ability to supercharge your rewards with the Citi Premier card


  • Lack of shopping or travel protections
  • 3% foreign transaction fee

Alternatives to the Double Cash

Now that you know about the pros and cons of this card and its benefits, it’s time to review the alternatives.

Or, if you are like me, who loves to maximize my rewards, here are other cards you should add to your wallet: 

Citi Custom Cash

5% Cash Back in Top Category
Citi Custom Cash℠ Card
  • Earn $200 Cash Back After Spending $1,500 in the First Six Months
  • 5% Cash Back on Purchases in Your Top Eligible Spend Category Each Billing Cycle up to $500 (1% after that)
  • 0% Intro APR for 15 Months on Purchases and Balance Transfers ($5 or 5% fee). After that, a variable APR of 18.24% – 28.24% applies.
  • No Annual Fee
Learn More Our Review

The Citi Custom Cash℠ Card is a no-annual-fee card that earns 5% cash back in your top spending category each billing cycle.

Eligible 5% cash back categories include restaurants, gas stations, grocery stores, select travel, home improvement stores, drug stores, select transit, select streaming, fitness clubs, and live entertainment.

This allows you to turn the Custom Cash into your 5% cash back card for gas stations, restaurants, grocery stores, or several other categories.

Chase Freedom Flex

5% Back in Quarterly Categories
Chase Freedom Flex℠
  • Earn $200 Bonus Cash Back After Spending $500 in the First 3 Months
  • 5% Cash Back in Quarterly Bonus Categories (up to $1,500 in combined spending after activation)
  • 5% Cash Back on Travel Purchased Via Chase
  • 3% Cash Back at Restaurants, Eligible Food Delivery, and Drug Stores
  • Cell Phone Insurance and Purchase Protection
  • No Annual Fee

Click Here to Learn How to Apply

The Chase Freedom Flex℠ is a great no-annual fee card that earns 5% cash back in quarterly categories (up to $1,500 in combined spending) and on travel purchased via Chase Ultimate Rewards.

The Freedom Flex also earns 3% cash back at restaurants, eligible food delivery, and drug stores.

The card also comes with nice benefits such as cell phone insurance, extended warranty, purchase protection, secondary rental car insurance, and trip cancellation/interruption insurance.

Citi Premier

60,000 Points
Citi Premier® Card
  • Earn 60,000 Points After Spending $4,000 in the First 3 Months
  • 3x Points at Restaurants, Supermarkets, Gas Stations, Flights, and Hotels
  • $100 Off a Single $500 Hotel Stay Per Year
  • Extended Warranty and Purchase Protections
  • $95 Annual Fee
Learn More Our Review

The Citi Premier® Card is the best card for earning points because it offers 3x points at restaurants, supermarkets, gas stations, airlines, and hotels. 

The Premier card also comes with no foreign transaction fees, purchase protection, and an extended warranty for items purchased, adding an additional 24 months to the manufacturer’s warranty.

The Verdict

The Citi Double Cash is a very simple card with no annual fee. You don’t have to worry about quarterly categories or whether a merchant qualifies for additional points.

It can also be a great card collecting travel rewards when paired with the Citi Premier.

2% Cash Back & No Annual Fee
Citi® Double Cash Card – 18 Month BT Offer
  • 2% Cash Back (1% on Purchases, 1% When You Pay)
  • 0% Intro APR on Balance Transfers for 18 months. After That, a Variable APR of 18.24% – 28.24%
  • No Annual Fee
Learn More

Frequently Asked Questions

The Citi Double Cash is a simple no annual fee credit card. You earn 2% cash back on all purchases (1% when you spend and 1% when you pay your balance).

3% foreign transaction fee is charged on any transactions outside the U.S. using the Citi Double Cash card.

Typically, you need at least a 660 credit score to get approved for the Double Cash.

No. Citi eliminated that benefit in 2019. 

The Citi Double Cash is a Mastercard.

You can downgrade any personal Citi credit card to the Double Cash including co-branded cards after having the card for at least 12 months.

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