Apply Advertiser disclosure: we may earn a commission when you apply through some links on this page. It never affects rank: cards are ordered by the value worked out from your spending. How we make money · Methodology
Terms read from Citi's page on Oct 16, 2026.
Year 1, after fees
$1,004
Year 2+, after fees
$804
every year after
3 years, after fees
$2,612
Break-even
No fee
Earn rate by category
All values are after each card's annual or monthly fee, and foreign transaction fees when you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime or Instacart+) aren't included.
Values for points and miles are estimates based on published redemption valuations; actual value depends on how you redeem.
On each spending preset
After fees; points at their cash value. "~" marks estimates.
| Spending | Year 1 | Year 2+ | 3 years | Break-even |
|---|---|---|---|---|
| Student ($985/mo) | $436 | $236 | $909 | No fee |
| Couple ($2,555/mo) | $813 | $613 | $2,040 | No fee |
| Family ($3,350/mo) | $1,004 | $804 | $2,612 | No fee |
| Frequent traveller ($3,880/mo) | $1,131 | $931 | $2,994 | No fee |
| Big spender ($7,960/mo) | $2,110 | $1,910 | $5,931 | No fee |
Who it suits
- People who want one flat rate on everything.
Who should skip it
- Nothing stands out on the presets; check it against your own spending.
Fees and rates
- Annual fee
- None
- Additional card
- No fee
- Foreign transaction fee
- Not stated
- Purchase APR
- 18.49% to 28.74% (variable)
- Intro APR on balance transfers
- 18 months, 3% fee
Rewards
- 5% on hotels, car rentals and attractions on Citi Travel
- 2% on everything else
Eligibility and availability
- Income
- None published
Published requirements only. We don't estimate approval odds.
Assumptions
- Cash back: Paid in cash, so the value is exact, not an estimate.
- Welcome bonus: $200 (20,000 points) after $1,500 in purchases in the first 6 months. Your spending meets it in month 1.
- Travel portal: Portal-only rates aren't counted, since you book directly.
- Note: Earns 1% when you buy and 1% when you pay, paid as ThankYou points worth 1 cent.
- Note: The balance transfer fee is 3% during the intro period, then 5%.
Not counted or not confirmed
- Foreign transaction fee isn't on the card page.
Earns more every year after year 1
On a family's spending, these keep more value from year 2 than this card's $804.
Chase IHG One Rewards PremierYear 2+ ~$1,243
Wells Fargo One Key CardYear 2+ $864
Chase Marriott Bonvoy BoundlessYear 2+ ~$809
Head to head
Frequently asked questions
Is the Citi Double Cash worth it?
On a family's spending ($3,350 a month, points at their cash value), it's worth $1,004 in year 1 and $804 a year after that, after no annual fee.
What is the Citi Double Cash welcome offer?
$200 (20,000 points) after $1,500 in purchases in the first 6 months.
Does the Citi Double Cash charge foreign transaction fees?
The issuer's page doesn't state its foreign transaction fee, so check the full terms before travelling.
Sources
Rates, fees and offers are set by the issuer and may change. Check the issuer's terms before you apply. We don't estimate approval odds.
Compare it with 59 other cards on the US card comparison or read how cards are valued.