Citi Double Cash Card

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Citi Double Cash Card
No Welcome Bonus

Click Here to Apply

No Annual Fee

Recent better offer: None

FM Mini Review: 2X rewards for all spend with no annual fee makes this card a winner. Earn 2X everywhere and redeem for the equivalent of 2% cash back or 2X ThankYou points. Pair with the Premier or Prestige card to make points transferrable to airlines.


Card Type: Mastercard World Elite

Base

Earning rate: 2% cash back everywhere (1% cash back for each purchase + 1% when paying your credit card bill for that purchase)

Noteworthy perks: 1X when you make a purchase + 1X when you pay for those purchases

Application Tips

Citi Application Tips

  • 24 Month Rule (ThankYou Cards): To get bonus on any ThankYou card, you must wait 24 months after receiving a new cardmember bonus or closing any ThankYou card account. Applies to Preferred, Premier, Prestige, and Rewards+.
  • 24 Month Rule (Expedia Cards): To get bonus on any Expedia card, you must wait 24 months after opening or closing any Expedia card account.
  • 48 Month Rule (AA Cards): With Citi AA cards, you have to wait 48 months after receiving a bonus for the same exact card.
  • Velocity Rules: Max 1 personal card per 8 days. Max 2 personal cards per 65 days. Max 1 business card per 95 days.
  • Get Same Card Again: Citi allows getting same card again (even if card is still open) as long as you follow the 24 or 48 month rules and velocity rules (above).
  • Hard inquiries DO NOT combine into 1 when approved same day

Check application status here.
If denied, call reconsideration here:800-695-5171 (personal); 800-763-9795 (business)
If reconsideration # doesn’t work, try the Citi Credit Card Executive Office: 423-477-6858

Keep or Cancel?

Keep! This card has no annual fee and best in class earning power.

Related Cards (ThankYou Rewards)

Citi Rewards+ Card
15K points
15K points after $1K spend in 3 months

No Annual Fee

Citi Rewards+ Student Card
2.5K points
2.5K after $500 spend in 3 months

No Annual Fee

Citi Double Cash Card

Recent better offer: None

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[…] the card does not earn any category bonuses? Since no-fee 2% cash back cards are readily available (Citi Double Cash, for example), let’s define “sensible” as the possibility of getting 2% or more […]

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[…] Link to our Citi Double Cash Card page with more information about the card and an application link, or find it on our Best Offers page […]

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[…] Citi Double Cash (1% back now and 1% back later makes for an effective 2% back) […]

Steve
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Steve

Ok, so this isn’t a spectacular card and doesn’t have a sign-up bonus, but something must be wrong with the algorithm for 1st year estimate, right? How can it be negative if there is no fee or spend requirement?

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[…] card, the annual fee makes me question this one a bit. An easy cash back alternative would be the Citi Double Cash, which earns an effective 2% back (1% when you purchase + 1% when you pay the bill) and has no […]

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[…] earning 3x). Two percent for online purchases isn’t notable since you can get a card like the Citi Double Cash that earns an effective 2% back on all purchases with no annual […]

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[…] toward most anything at most Disney locations. It would make more sense to get a card like the Citi Double Cash that earns an effective 2% cashback everywhere (thereby earning cash back that can be used on […]

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[…] you want a no-annual fee cash back card, get a no-fee 2% cash back card such as the Citi Double Cash.  Optionally pair it with the no-fee Uber card (4% dining, 3% […]

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[…] of Credit analyzed this one the other day from the perspective of the Citi Double Cash. With the 25% bonus bonus, you’d earn 2.5% cash back on that card. As he rightly pointed out, […]

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[…] this plays out as expected, the Citi Double Cash card will be the only card on the market that earns uncapped 2X rewards which are convertible 1 to 1 to […]

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[…] we learned that the Double Cash card’s cash back can transfer 1 to 1 to Citi ThankYou Points.  That means that this card can […]

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[…] great 2X Everywhere cards that are the focus of this article are the Citi Double Cash and the Amex Blue Business Plus.  Both cards have no annual fee.  Both cards earn the equivalent […]