Citi Double Cash Card

Annual fee

Welcome bonus

20,000 ThankYou Points

Foreign txn fee

(Direct link to issuer does not currently earn a commission on this card.)

The Citi Double Cash is the set-it-and-forget-it flat-rate workhorse: 2% on everything (1% when you buy, 1% when you pay), earned as ThankYou points, with no categories and no annual fee. On its own it's effectively a cash-back card - but pair it with a Citi Strata Premier or Strata Elite and those points become transferable to Citi's airline and hotel partners, which is where the real value unlocks. You also get 5% back on hotels, cars, and attractions booked through Citi Travel. Watch the 3% foreign transaction fee - keep it home for overseas spend.

Welcome bonus

What you get for signing up and hitting the minimum spend.

20,000 ThankYou Points · $1,500 spend in 6mo

See the offer →

20,000 ThankYou Points after spending $1,500 in the first 6 months.

$200 cash back (20,000 ThankYou points) after $1,500 in purchases in the first 6 months.

Earn rates

How many points per dollar across categories.

2 categories · top rate 5x

See the multipliers →

Card-level multipliers. Earn currency: Citi ThankYou Rewards.

Category	Rate	Notes
Travel	5x	5% (as ThankYou points) on hotels, car rentals, and attractions booked through Citi Travel - the 3% bonus on top of the standard 2%.
All other purchases	2x	2% on every purchase - 1% when you buy plus 1% as you pay - earned as ThankYou points.

Unlock transfers

Pair this card with a travel card in the Citi ThankYou Rewards family to unlock transfers to airline + hotel partners.

Pair with a travel card to unlock partners

See your unlock cards →

💡 Pair with another travel card to unlock transfer partners. Points earned on this card become transferable to airline + hotel partners when you combine them into one of these Citi ThankYou Rewards travel cards:

You can combine across your own personal + business cards from the same issuer (Chase allows household-member pooling too with a one-time setup; Citi keeps it to your own cards only). Check your issuer's rules for details.

Without one of the travel cards above, points on this card redeem at fixed cash-back / portal value only.

Cardholder experiences

Members-only events, dining access, and special experiences bundled with this card.

1 program

Browse the portals →

Citi Entertainment

Citi's exclusive ticket presales, preferred seating, dining events, and sports access. Available to all Citi credit cardholders.

🔒 Access this perk through your cardmember account at the issuer's website or app.

Purchase & travel protection

Purchase, extended warranty, cell phone, and fraud protections.

1 benefit

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Mastercard ID Theft Protection

Free identity-theft monitoring and alerts through Mastercard (enrollment required).

Transfer partner perks

Partners this card unlocks for point transfer.

1 benefit

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Transfer Partners (Pool-to-Unlock)

On its own, points redeem for cash back. If you also hold a Citi Strata Premier or Strata Elite, you can move these ThankYou points there and transfer them 1:1 to Citi's airline and hotel partners.

Other

Other perks on this card.

2 benefits

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No Annual Fee

No annual fee, no categories to track, and no cap on cash back earned.

0% Intro APR for 18 Months (Balance Transfers Only)

0% intro APR on balance transfers for 18 months (purchases are NOT included), then a variable 17.49%-27.49% APR. Intro balance transfer fee is 3% (min $5) for transfers in the first 4 months, then 5%.