Citi bank

Citi® Double Cash Credit Card

A straightforward cash back card offering a consistent 2% back on everything you buy—1% when you make a purchase, and 1% when you pay it off. It’s ideal for users who want simplicity and steady rewards without tracking categories.

WHAT MAKES IT UNIQUE?

Unlike category-based cards, this one gives flat-rate rewards across all spending, making it perfect for everyday use.

• Earn 2% total cash back: 1% when you buy + 1% when you pay
• No rotating categories, caps, or activation required
• Simple rewards structure—great for set-it-and-forget-it earners
• Redeem as statement credits, checks, direct deposits, or gift cards
• Cash back is earned as ThankYou® Points, offering optional travel redemptions

WELCOME BONUS & CREDITS

While it lacks a traditional upfront bonus, it offers long-term value through high flat-rate earnings.

• Some offers include a limited-time bonus (e.g., $200 after meeting a spend requirement), but may vary by application
• Access to Citi Merchant Offers for targeted cash back deals
• Combine points with other Citi ThankYou® cards for travel redemptions and partner transfers

PAYMENTS & TERMS

It’s designed for low-maintenance earners who value consistency and flexibility.

• 0% intro APR for 18 months on balance transfers (no intro APR on purchases)
• Standard variable APR after intro period
• No annual fee
• 3% foreign transaction fee applies
• Requires good to excellent credit

OTHER CARD FEATURES

Basic protections and tools suitable for everyday use.

• $0 liability on unauthorized charges
• Contactless tap-to-pay and mobile wallet compatibility
• Citi® Quick Lock to instantly freeze your card
• Access to Citi Entertainment® presales and experiences
• No travel protections like insurance or baggage coverage

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