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Citi Mastercard

Citi Double Cash Card

The Citi Double Cash is the card that made the flat 2% mainstream, and the structure is its whole pitch: 1% when you buy and another 1% as you pay it off, with no categories to track and no annual fee. The reward arrives as ThankYou Points rather than straight cash, which matters because pairing it with a Citi card that has transfer partners turns that flat 2% into points worth more than two cents on the right redemption. The catch is the 3% foreign transaction fee, so it should stay home on trips abroad, and the cash back only posts once you actually pay the balance, which is a fair condition but worth knowing before you count on the second 1%.

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Citi Double Cash Card card art
  • Annual fee
    Free
  • Welcome offer
    $200
    after $1,500 in 6 months
  • Recommended credit
    700-780
    Median 720. See why →

Earning rates

on Citi ThankYou Points
  • 5x
    Travel Portal
    Citi Travel portal only
    via portal
  • 2x
    Everything else

Benefits and credits

Lifestyle credits

  • Citi Entertainment
  • Free FICO Score Access

Purchase and protection benefits

  • $0 Liability on Unauthorized Charges
  • 24-Hour Fraud Protection
  • Extended Warranty
  • Mastercard ID Theft Protection

financing

  • 0% Intro APR on Balance Transfers for 18 Months

shopping

  • Citi Merchant Offers

Pricing and fees

Full Pricing and Terms
Purchase APR
17.49% to 27.49%
Foreign tx
3.00%
Penalty APR (cap)
29.99%
Balance transfer
17.49% to 27.49%
Fee $5 or 3.00%, whichever is greater
Cash advance
29.74%
Fee $10 or 5.00%, whichever is greater
Late / returned
Not disclosed · Not disclosed

Eligibility and application

  • Card type
    Unsecured personal card
  • Pre-qualification
    Soft-pull pre-qualification available
  • Application inquiry
    Hard credit inquiry on submission
  • Approval bureau
    Not disclosed by issuer
  • Authorized user fee
    Free
  • Reports AU to bureaus
    Yes
    Reports authorized user activity to the credit bureaus.
    Issuer policy

How the recommended credit score is derived

Reported by users, not disclosed by the issuer. Synthesized from community-reported approval data points and cross-checked against industry editorial guidance for consensus.

5 data points reviewed

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Sources

Data current as of June 4, 2026 Report an inaccuracy

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Not financial advice

ccdeck is not a financial advisor. Information here is for educational purposes only. Confirm card terms with the issuer before applying.