Clean 2% on every purchase — 1% buy, 1% pay.
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Good–Excellent credit — 670+ FICO typical; hard pull required
ClearValue Rating: 4 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
Cardholders who want the simplest possible flat-rate cash back with no annual fee and a balance-transfer option.
The Citi Double Cash Card has a $0 annual fee and earns 2% on every purchase — 1% when you buy, 1% when you pay. Balance transfers are available with a fee; the ongoing variable APR applies — verify the current balance-transfer fee and APR at the issuer before applying.
| Year 1 value | Ongoing value |
|---|---|
| 2% on all purchases + welcome bonus after qualifying spend (verify current offer at issuer) | 2% flat on every purchase (1% when you buy + 1% when you pay); $0 annual fee |
| Verify current welcome offer at the Citi issuer page | |
Citi Double Cash Card — Clean 2% on every purchase — 1% buy, 1% pay. Best for: Cardholders who want the simplest possible flat-rate cash back with no annual fee and a balance-transfer option.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
The Citi Double Cash earns 1% cash back when you make a purchase and an additional 1% when you pay for that purchase. To earn the full 2%, you need to pay the balance — paying the minimum or partial payment earns proportionally less on the payment side. If you pay the full statement balance each month, you earn the complete 2% on every dollar spent. Verify the current earn structure and any category exceptions at the Citi issuer page.
If you also hold an eligible Citi ThankYou card (such as the Citi Strata Premier), your Double Cash cash-back rewards can be converted to ThankYou points and transferred to Citi's airline and hotel partners. Without a paired ThankYou card, Double Cash rewards are redeemable as statement credit, check, or direct deposit only. Verify the current pairing eligibility and partner transfer terms at the Citi issuer page.
Yes — the Citi Double Cash charges a foreign transaction fee on international purchases. Verify the current fee at the Citi issuer page before applying. If international spending is a regular category for you, a no-FX-fee card may return more net of that surcharge.
No. ClearValue Lending is not a bank, card issuer, lender, or financial advisor. This review presents publicly available editorial information about the Citi Double Cash Card. The Citi Double Cash Card is issued and operated by Citibank, N.A. APRs, rewards rates, fees, and terms are determined solely by Citibank and may change — verify current terms at citi.com before applying.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
Scored consistently across every product and independent of any compensation. Full methodology →
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