$39
Annual fee
See the card
Card reviewCiti
Updated Aug 14, 2026 · research
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Citi Double Cash Card
The Citi Double Cash® Card earns unlimited 2% cash back on all purchases.
Mastercard
$0
Annual fee
—
Top rate
N/A
Foreign fee
N/A
Rating
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 Type | Amount |
|---|---|
| Annual Fee | $0 |
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?
Apply for the Citi Double Cash Card
Current offer available with no annual fee.
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Sources & Methodology
Sources & Methodology
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