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Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most issuers whose offers appear on our site. Compensation from our advertising partners may impact how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.
Named 'Best No Annual Fee Card' by CNBC, 2025
Citi Double Cash® Card
Credit Recommended:
Excellent, Good, Fair
Credit Card Details
- 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.
- 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, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25. - Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.24% - 28.24%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- 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.
- 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).
your rewards
EARN
REDEEM
BONUS OFFER
$200
Cash Back
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.
This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
REWARDS RATE
2%
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, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
Redeem your points for cash back as a statement credit, direct deposit or check. Or explore other ways to redeem points including for gift cards, travel and Shop with Points at Amazon.comµ
Your points will never expire as long as your account remains open.µ
Additional Benefits
Citi Entertainment®
Citi Entertainment® takes the once out of once in a lifetime. Get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year's most anticipated concerts, sporting events, dining experiences and more.µ
Interest Rates & Fees
Intro APR:
N/A
Regular APR:
18.24% - 28.24% (Variable)
Penalty APR:
Up to 29.99% (Variable)
Intro APR:
0% (18 months)
Regular APR:
18.24% - 28.24% (Variable)
Balance Transfer Fee:
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
Regular APR:
29.49% (Variable)
Cash Advance Fee:
5% of each cash advance; $10 minimum
Penalty APR:
Up to 29.99% (Variable)