Citi Double Cash Card review

Citi Double Cash matches Active Cash on its headline rate, with a twist. You earn 1% cash back when you buy and an additional 1% as you pay, so the full 2% arrives as you pay down purchases, and Citi says you must pay at least the minimum on time to earn cash back. There are no categories to enroll in and no caps. Bookings of hotels, car rentals and attractions through the Citi Travel portal earn an extra 3%, for 5% in total. Rewards come as ThankYou Points, which you can redeem as a statement credit, a direct deposit to any checking or savings account, or a check, with 10,000 points worth $100. The card has no annual fee and no authorized user fee, and includes free FICO Score access, Mastercard ID Theft Protection and Citi Flex Pay on purchases of $75 or more. It ranks second because its intro APR covers balance transfers only, so it is less useful if you want to spread out a large purchase, and Citi charges a fee on foreign purchases.

Who it is for

People who pay their bill on time and want a flat 2% with no categories or caps.

Price

$0 annual fee.

Annual Fee – None.
Quoted from the vendor pricing page on November 8, 2026.

Key features

• 1% cash back when you buy plus 1% as you pay, on every purchase
• An extra 3% on hotels, car rentals and attractions booked through Citi Travel, for 5% in total
• No categories to enroll in and no caps on cash back
• Cash back earned as ThankYou Points, redeemable as a statement credit, direct deposit or check
• Intro APR on balance transfers

Strengths and weaknesses

• Strength: One of the highest flat rates on this list
• Strength: No category enrollment or earning caps
• Strength: Flexible redemption, including direct deposit to any checking or savings account
• Weakness: The intro APR does not apply to purchases
• Weakness: Half the cash back arrives only as you pay, and you must pay at least the minimum on time to earn
• Weakness: Charges a fee on foreign purchases

Key facts

• Annual fee: $0
• Cash back: 2% on purchases: 1% when you buy, 1% as you pay
• Travel bonus: 5% total on hotels, car rentals and attractions via Citi Travel
• Intro APR: Balance transfers only
• Network: Mastercard

Where it ranks

Citi Double Cash Card is No. 2 in our Best Cash Back Credit Cards verdict.