Citi Double Cash Card
Issued by Citi (Citibank, N.A.) · Mastercard network · Unsecured consumer card
At a glance
The Citi Double Cash Card is a cash back consumer credit card issued by Citi on the Mastercard network. Its current annual fee is $0, with a 3% of each purchase in U.S. dollars foreign-transaction fee. It is accepting new applications. Terms were last independently verified on 2026-08-25.
Current rates and fees
From the issuer’s official pages and agreement. Each value shows its source, confidence, and last-verified date.
Interest
Not machine-readable on Citi's page; cross-checked via secondary sources 2026-08-25 (three agree). Confirm your exact APR with Citi.
CNBC Select, U.S. News & WalletHub (agreeing secondaries; Citi JS-blanks pricing)verified 2026-08-25
Official FAQ states the purchase APR is "dependent on a margin added to the prime rate" — variable. Exact range depends on creditworthiness; confirm with Citi.
Citi — official card pageverified 2026-08-25
Fees
Re-confirmed 2026-08-25 on the official page ("Annual Fee – None").
Citi — official card pageverified 2026-08-25
Citi's pricing section JS-blanks the percentage; fee existence confirmed on the official page, 3% cross-checked via secondary sources 2026-08-25.
Citi official page (fee exists) + CNBC Select & WalletHub (percentage)verified 2026-08-25
Rewards
Citi — official card pageverified 2026-08-25
Citi — official card pageverified 2026-08-25
Benefits and protections
- Flat 2% back on everything (pay on time). source
Advertiser Disclosure: Some links on this page may earn a commission.
Confirm before you apply
Rates, fees, offers, eligibility, and benefits change often. Confirm the final terms directly with the issuer’s official page or the CFPB card-agreement database before applying.
Modeled cost
True cost of this card
True-cost calculator
Illustrative math from this card’s APR. Nothing you enter is stored. This shows costs — it does not predict your rate or approval.
Cost of carrying a balance for a year
| Balance carried | Interest / month | Interest / year |
|---|---|---|
| $1,000 | $18.74 | $224.9 |
| $3,000 | $56.22 | $674.7 |
| $5,000 | $93.71 | $1,124.5 |
Paying only the minimum on $3,000
845 months
About $28,538.6 in interest (2% minimum, $25 floor).
$5,000 balance transfer (3% fee, 15-mo intro, $300/mo)
$170.26 total cost
$150 upfront fee, plus post-intro interest at 22.49%.
Simplified illustrations. Real interest depends on your exact APR, balance, timing, and payments. The clearest way to avoid all of this is to pay the statement balance in full.
Our independent analysis
Editorial rating
4.24.2 out of 5
How this score was calculated
| Dimension | Weight | Score |
|---|---|---|
| Earning value (net of fees) | 35% | 4.5/5 |
| Fees (annual, FTF) | 20% | 4/5 |
| Redemption simplicity | 20% | 4/5 |
| Terms transparency | 15% | 4.5/5 |
| Protections | 10% | 3.5/5 |
Methodology 2026.07 · full methodology · No active partner relationship for this card as of 2026-08-24. If one begins, it cannot affect this card's score, category ranking, or buyer-beware tier — see /advertiser-disclosure for the full firewall policy.
A simple flat-rate cash-back card with no annual fee — a strong "everything else" card. The 3% foreign-transaction fee makes it a poor choice for travel abroad, and rewards accrue as ThankYou points before converting to cash.
Advantages
- Simple 2% flat rate
- No annual fee
- Also offers balance-transfer promotions at times
Watch for
- 3% foreign-transaction fee
- You must pay on time to earn the second 1%
- Rewards route through the ThankYou program
Best for: People who want one uncomplicated cash-back card for everyday domestic spending.
Credit Defense Hub Editorial Team · reviewed 2026-07-17 · Pending named subject-matter review Editorial analysis is independent and separate from the issuer and from consumer reviews.
Extractable answers
Quick answers
- Who issues the Citi Double Cash Card?
- It is issued by Citi on the Mastercard network.
- What does the Citi Double Cash Card cost?
- The annual fee is $0, and the foreign-transaction fee is 3% of each purchase in U.S. dollars. Verified 2026-08-25. The purchase APR is variable and depends on creditworthiness — confirm the current range with the issuer.
- Is the Citi Double Cash Card accepting new applications?
- Yes, as of our last verification. Availability can change — confirm on the issuer’s page.
- Does the Citi Double Cash Card help build credit?
- Like most major cards, on-time payments and low utilization generally help build history over time; check the issuer’s reporting practices.
- What should someone verify before applying?
- The current APR range, the annual and foreign-transaction fees, any welcome-offer terms, and whether the reward or benefit you want still applies — all directly on the issuer’s page or card agreement.
- What should you do if something goes wrong with this card?
- For a wrong charge, use the issuer’s billing-dispute process (FCBA). For inaccurate credit reporting, dispute with the bureaus (FCRA). If it is not resolved, you can complain to the CFPB and your state attorney general. See our card-problem guides.
Current-fact answers reflect terms verified 2026-08-25; confirm with the issuer before applying.
What consumers report
No verified consumer reviews yet
This card has no published consumer reviews yet, so we are not showing consumer averages or complaint statistics — we never display percentages from a sample too small to be meaningful, and we never seed fake reviews. Be the first to share a genuine experience below.
Share your experience
Rate the card, flag specific issues or positives, and tell your story. We never ask for card numbers, account numbers, or your SSN.
If your issue is about credit reporting or a dispute
When to talk to a professional
A consumer review is not a legal finding. If a card issuer reported inaccurate information, denied a valid fraud claim, or you were sued over a balance, those are situations where documenting the facts and — for lawsuits or unresolved FCRA/FDCPA problems — talking to a consumer attorney or legal aid can matter. You can also report issues to the CFPB.
See the issuer’s official page → for Citi Double Cash Card
Educational information — not advice
This page provides general educational information about credit, debt, and consumer protections. It is not legal advice, financial advice, or credit repair services, and reading it does not create any professional relationship. Laws, procedures, deadlines, and dollar amounts vary by state and change over time.
For advice about your specific situation, consult a licensed attorney or qualified financial professional. See our full disclaimer.