Does the Citi Double Cash Card charge foreign transaction fees?

Yes. The Citi Double Cash Card charges a foreign transaction fee on purchases made outside the United States or processed through a foreign bank. If you travel internationally or shop frequently on foreign sites, look at a card with no foreign transaction fee instead. Always verify the current fee on Citi's site before applying.

The Citi Double Cash earns a flat rate on every purchase — but that strength comes with a trade-off for international spending: a foreign transaction fee is added to each charge processed outside the U.S. or through a non-U.S. bank. That includes most online purchases from foreign merchants.

What to know

• A foreign transaction fee is charged by the card issuer on purchases made in another currency or processed through a non-U.S. bank; it typically ranges from 1% to 3% of each transaction. — CFPB
• Many travel-focused credit cards waive foreign transaction fees entirely; cash-back focused cards more often retain them. — CFPB

When it matters — and when it doesn't

• Domestic purchases in USD are unaffected — the fee only hits non-U.S. transactions.
• If you travel abroad a few times a year, the fees can add up fast on a card you're using for every purchase.
• For purely domestic spending, the Citi Double Cash's flat cash-back rate is strong — the fee is irrelevant.
• If you want one card for both domestic and international use, a no-foreign-fee card makes more sense.

Looking for a card with no foreign transaction fee? See the best no-foreign-transaction-fee cards for 2026.

Key takeaways

• Yes — Citi Double Cash charges a foreign transaction fee on international purchases.
• The fee applies to purchases outside the U.S. or processed through a non-U.S. bank.
• For heavy international spending, a no-foreign-fee card saves more than flat cash-back earns.
• Verify the current fee rate at Citi's site before applying.

Related

• What is a foreign transaction fee on a credit card?
• What is a cash back credit card?
• What is a good APR for a credit card?

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