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Card reviewCiti
Updated Apr 14, 2026 · research
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CitiEditorially reviewed

Citi Double Cash® Card

Earn unlimited 2% cash back on purchases: 1% when you buy, 1% as you pay.

Mid TierPersonal
Mastercard
$0
Annual fee
2% back all purchases
Top rate
N/A
Foreign fee
N/A
Rating

Current Welcome Offer

0 cashback

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Card Offers

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Earning Rates

all purchases
2%cash back

1% when you buy, 1% as you pay

Pros & Cons

Pros

  • No annual fee
  • Unlimited 2% cash back on all purchases
  • Simple flat-rate earning structure

Cons

  • No welcome bonus
  • Full 2% requires paying off purchases
  • Lacks category bonuses

Key Takeaways

  • Earn 2% cash back on every purchase with 1% on buy and 1% on pay
  • No annual fee applies
  • Unlimited rewards on all purchases
  • Mastercard network for broad acceptance

Fees

Fee TypeAmount
Annual Fee$0

Hidden Gems

Payment-based earning

The 1% cash back on payments incentivizes paying off balances promptly to reach the full 2% rate.

Truly unlimited rewards

No caps or limits apply to the 2% cash back on any purchase amount.

Frequently Asked Questions

What is the annual fee for the Citi Double Cash® Card?
The annual fee is $0. There is no waived first-year provision as it is already free.
How does the cash back earning work on the Citi Double Cash® Card?
Cardholders earn 2% cash back on all purchases. This breaks down to 1% when you make the purchase and 1% when you pay it off. Rewards are unlimited with no caps.
Is there a welcome bonus for the Citi Double Cash® Card?
No welcome bonus is offered. Public offers show a bonus amount of $0.
What credit card network does the Citi Double Cash® Card use?
It uses the Mastercard network. This allows acceptance wherever Mastercard is supported.
Who is the Citi Double Cash® Card designed for?
It targets personal card audiences. It fits mid-tier cash back needs.
Are there any limits on rewards with the Citi Double Cash® Card?
Rewards are unlimited at 2% cash back on all purchases. There are no category restrictions or caps mentioned.
How can I apply for the Citi Double Cash® Card?
Applications are available through Citi's credit cards page. A direct apply URL is provided on their site.

About This Card

This card fits users who want simple, unlimited cash back on everyday personal spending without paying an annual fee.

The Citi Double Cash® Card earns unlimited 2% cash back on all purchases. It provides 1% cash back when you buy and 1% when you pay. This Mastercard has no annual fee. It suits personal spending.

Its flat 2% cash back on all purchases sets it apart in the mid-tier with a unique buy-plus-pay structure.

Ready to Decide?

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0 cashback with no annual fee.

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Card Categories

CashbackNo Annual Fee

Sources & Methodology

Data Collection

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Last updated:

Editorial Review

Pending editorial review.

Data Quality
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