Citi Double Cash

By Marcos • 04/04/2025

Citi Double Cash Card is the ultimate cashback card for those who value simplicity and rewards.

The Citi Double Cash credit card provides unlimited 2% cashback on all purchases, making it an efficient rewards card for everyday spending. Unlike many other cards, this one does not require tracking categories or activating rotating bonuses.

Cardholders earn 1% cashback when making a purchase and an additional 1% when paying off the balance. This structure encourages responsible spending while ensuring consistent rewards without restrictions on specific spending categories.

This card also offers a 0% introductory APR on balance transfers for 18 months. After the promotional period, a variable APR applies based on creditworthiness, making it useful for consolidating and repaying existing credit card debt.

With its automatic cashback system and no spending caps, the Citi Double Cash credit card is a practical option for users who want a high-reward, no-fuss credit card that fits any spending habit.

Earn as You Spend and Pay

The Citi® Double Cash Card is built around its straightforward and rewarding structure. You earn 1% cashback on every purchase and an additional 1% when you pay it off. This encourages responsible credit card usage while maximizing your rewards.

Unlike other cards, there are no rotating categories, caps, or enrollment requirements. You earn cashback consistently, no matter where or how you spend.

Your cashback is automatically converted into Citi ThankYou® Points, which can be redeemed for statement credits, travel, gift cards, or even transferred to select travel partners for more value.

Pros and Cons

Pros

• Up to 2% cashback (1% when you buy and 1% when you pay).
• No annual fee.
• No limits or categories to track.
• Flexible redemption options through Citi ThankYou® Points.

Cons

• No bonus categories for higher rewards.
• Rewards are tied to Citi ThankYou® Points.
• High APR for carried balances.

How Do I Know If the Citi® Double Cash Card Is the Best Credit Card for Me?

The Citi® Double Cash Card is ideal for individuals who want consistent and reliable cashback without the complexity of bonus categories or spending limits. If you value simplicity and steady rewards, this card is a great choice.

It’s especially suited for those who pay off their balances in full each month, as the additional 1% cashback for payments rewards responsible credit behavior.

However, if you’re looking for premium perks like travel benefits or higher rewards in specific spending categories, this card might not be the best fit. It’s tailored for straightforward, everyday spending and maximum cashback.

Why do we like this card?

What we like most about the card is that it really increases your purchasing power. After all, it is a payment method that gives you cashback on several transactions.

Therefore, most of your purchases will be rewarded, helping you to achieve excellent results in your daily purchases, ensuring that your purchases are full of benefits, significantly increasing your purchasing power.

It is important to be clear that the Citi Double Cash gives you unlimited benefits. It is worth using the card for your daily purchases and enjoying all the benefits.

Conclusion

This credit card provides an efficient and straightforward way to earn rewards, making it an excellent option for users who want unlimited cashback without restrictions.

While it lacks a welcome bonus and has a foreign transaction fee, its unlimited 2% cashback and no annual fee make it a practical choice for everyday spending.

For those who value simplicity, financial flexibility, and high-reward potential, the Citi Double Cash credit card is a strong contender in the cashback credit card category.