The Citi Double Cash Credit Card

Earn cash back on every purchase—no hoops, no gimmicks, just reliable rewards.

CREDIT CARD

Citi Double Cash

No Annual Fee Earn cash back

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When it comes to simple, dependable rewards, the Citi Double Cash Card stands out as one of the most efficient cash-back credit cards in the U.S. With a no-fuss earning structure and solid redemption options, it’s ideal for those who want to maximize value without managing rotating categories or chasing bonus points.

Key Benefits

The Citi Double Cash Card delivers straightforward perks that benefit everyday spenders:

• Earn up to 2% cash back on every purchase: 1% when you buy and 1% when you pay.
• $0 annual fee: Keep your rewards without paying to use the card.
• No rotating categories: Earn consistent rewards with no enrollment or tracking.
• Limited-time 5% travel offer: Get 5% back on hotels, car rentals, and attractions booked through Citi Travel through December 31, 2025.
• Flexible redemption: Points can be redeemed as a statement credit, direct deposit, check, gift cards, or used with partners like Amazon.

How It Works

Unlike most cash-back cards, Citi Double Cash rewards you in two steps:

1. You earn 1% cash back when you make a purchase.
2. You earn an additional 1% when you pay that purchase off.

The rewards accumulate as ThankYou Points, Citi’s flexible rewards currency. You can redeem these points in several ways, including toward your statement balance, direct deposit, or for purchases through Citi’s partners.

Citi Double Cash vs. Other Popular Cards

While Discover and Chase offer category-based or tiered rewards, Citi’s flat-rate system is simpler and more predictable—especially useful for high-volume everyday spending.

Who It’s Best For

• Busy professionals: No need to track or activate categories.
• Budget-conscious users: Earn cash back without paying an annual fee.
• Minimalists: One card, one reward structure, total flexibility.
• Those looking to consolidate rewards: ThankYou Points can be pooled with other Citi cards for travel or premium redemptions.

Value and Cost Analysis

With no annual fee and a reliable 2% return, the Citi Double Cash Card offers long-term value. Even without bonus categories, the consistent rewards can outperform many competitors for users who prefer simplicity over complexity. Combined with Citi’s ThankYou Points ecosystem, this card becomes even more powerful when used strategically with other Citi products.

Final Thoughts

If you’re tired of juggling categories, enrollments, or reward caps, the Citi Double Cash Card may be the ideal solution. It’s predictable, rewarding, and built for real-world spending. Whether you’re paying for groceries, subscriptions, or everyday essentials, you’re always earning.

But what really sets this card apart is the ability to combine your ThankYou Points with other eligible Citi cards. For instance, pairing it with a Citi Premier card unlocks even more valuable redemptions, including flights and hotel stays through the ThankYou Travel Center. This kind of flexibility makes it easy to turn everyday purchases into long-term gains—whether it’s a weekend getaway or simply a lower credit card bill.

The Citi Double Cash also works well in combination with category-based cards. You can use a 5% rotating card for quarterly bonuses and fall back on Double Cash for everything else. It’s that “always ready” card you’ll never want to leave at home.

Want to learn how to stretch your ThankYou Points even further and stack rewards with other Citi cards? Keep reading → Page 2.