Citi Double Cash Card Review 2026

The 2% is split: you earn 1% when you make a purchase, and another 1% when you pay for it. You need to make at least the minimum payment to earn the second 1%. The effective rate is 2% on everything, with no categories to track and no caps. It's one of the simplest no-annual-fee reward structures available.

Yes — it offers 18 months of 0% intro APR on balance transfers, which is among the longest balance-transfer windows available at no annual fee. A balance transfer fee applies (verify the current rate at the Citi issuer page). If you're consolidating credit card debt and want a long paydown window, it's one of the stronger options.

Yes, if you also hold a premium Citi card (like the Citi Strata Premier). Cash back converts to Citi ThankYou points at 1:1, which can then be transferred to airline and hotel partners. Without a premium Citi card, rewards are redeemable as cash back only.

Yes — it charges a 3% foreign transaction fee on purchases outside the U.S. It's not designed for international travel or purchases from foreign merchants. For travel spending, a no-FX-fee card is a better fit.

No — there is no annual or monthly spending cap. You earn 1% when you buy and 1% when you pay on every purchase, with no category limits. This makes it particularly valuable for high-volume spenders who might exceed quarterly category caps on other cards. The welcome bonus earning also has no cap.

Cash back redemptions require a minimum of $25 before you can request a statement credit, check, or direct deposit. If you convert cash back to Citi ThankYou points (available if you hold a premium Citi card), different minimum transfer amounts may apply. Verify current redemption thresholds at the Citi issuer page, as terms can change.