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Credit card review
Citi Double Cash Card review
Best for: Anyone who wants a flat 2% back on everything with zero effort.
The simplest premium cash-back card: a flat 2% on everything with no annual fee and no caps — plus an 18-month 0% intro on balance transfers, one of the longest available.
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Annual fee
$0
Rewards
2% on everything (1% when you buy + 1% when you pay); 5% on hotels, car rentals, and attractions via Citi Travel
Intro APR
0% for 18 months on balance transfers
Regular APR
18.24%–28.49% variable
Welcome offer
$200 cash back (20,000 ThankYou Points) after $1,500 spend in 6 months
Foreign transaction fee
3%
Some sources list different APR ranges; confirm the current range on Citi's site before applying.
Standout features
- Flat 2% on everything with no annual fee, no categories, and no caps.
- 18-month 0% intro APR on balance transfers — among the longest available.
- 3% intro balance-transfer fee ($5 minimum) on transfers made in the first 4 months.
Honest drawbacks
- The second 1% is only earned when you pay — not a true instant 2%.
- 3% foreign transaction fee — not a travel card.
- No intro APR on purchases; rewards flexibility is limited unless paired with a premium Citi card.
Visit Citi Double Cash Card →
Link goes directly to Citi Double Cash Card's own site. Card terms verified September 2026. Issuers change rates, fees, and welcome offers without notice — confirm current terms on the issuer's site before applying.
Sources
- Citi Double Cash (official) (checked Sep 2026)
- Motley Fool: balance transfer picks, Sep 2026 (checked Sep 2026)
- The Points Guy: Double Cash vs Freedom Unlimited (checked Sep 2026)
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