Citi Double Cash
Mastercard cash back card with no annual fee. Earns 5% on hotels, car rentals and attractions on Citi Travel, 2% on everything else.
Terms read from Citi's page on October 16, 2026. Rates and terms are set by the issuer and may change. We don't estimate approval odds.
Fees and rates
- Annual fee
- None
- Additional card
- No fee
- Foreign transaction fee
- Not stated
- Purchase APR
- 18.49% to 28.74%
- Intro APR on balance transfers
- 18 months, 3% fee
Rewards
- 5% on hotels, car rentals and attractions on Citi Travel
- 2% on everything else
Earns cash back.
Not confirmed
- Foreign transaction fee isn't on the card page.
Worked examples
Value on each spending preset, points redeemed as cash, typical use of credits.
| Spending | Year 1 | Year 2+ | 3 years | Break-even |
|---|---|---|---|---|
| Student | $436 | $236 | $909 | Month 1 |
| Family | $1,004 | $804 | $2,612 | Month 1 |
| Frequent traveller | $1,131 | $931 | $2,994 | Month 1 |
Frequently asked questions
Is the Citi Double Cash worth it?
On a family's spending ($3,350 a month, points as cash), it's worth $1,004 in year 1 and $804 a year after that, after no annual fee. It pays for its fee by month 1.
What is the Citi Double Cash welcome bonus?
$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.
What isn't counted in its value?
Earns 1% when you buy and 1% when you pay, paid as ThankYou points worth 1 cent. The balance transfer fee is 3% during the intro period, then 5%.
Sources
Estimates for information only; not tax, legal or financial advice. See our methodology.