Citi
Citi Double Cash
Citi Double Cash costs No annual fee and earns up to 2× on everyday spending. Everything below comes from the card catalog we check against issuer terms, with the arithmetic spelled out.
Enter a typical month of spending to see what the Citi Double Cash returns after its fee next to three cards it is usually compared with, then take those numbers to the full credit card rewards calculator to weigh up everything else in your wallet. No signup, and it runs in your browser.
- Annual fee
- No annual fee
- Best earn rate
- 2× everyday spending
- Points value
- 1.8500000000000003¢ a point
- Used when you transfer to a travel partner. Cash back is worth 1¢.
- Welcome bonus
- 20,000 points
- About $370 if you redeem at 1.8500000000000003¢ a point, and only if you clear the spending requirement.
- Foreign transaction fee
- 3%
What the Citi Double Cash earns
- Transferring points requires holding one of: Citi Strata, Citi Strata Premier, Citi Strata Elite.
Hotels and rental cars through the issuer's travel site
5×
Only through the issuer's portal
| Category | Rate | Conditions |
|---|---|---|
| Hotels and rental cars through the issuer's travel site | 5× | Only through the issuer's portal |
Rates checked with the issuer in October 2026. Spending outside these categories earns 2×. Confirm current terms with the issuer before you apply.
Is the Citi Double Cash right for you?
Enter a typical month. You will see what the Citi Double Cash returns after its annual fee, next to three cards it is usually compared with, and the full credit card rewards calculator weighs up everything else you spend.
Estimated rewards per year, after the annual fee
+$928
+$552
3× dining, 3× groceries; 1× everything else. No annual fee.
Rewards $457 · No annual fee
+$457
+$376
How we estimate
- Every rate on this page comes from the card catalog. Citi Double Cash pays 2× on spending outside the bonus categories listed above, and up to 2× on everyday spending.
- We value this card's points at 1.8500000000000003¢ each. Cash back is valued at 1¢.
- Net is a year of rewards minus the annual fee. Credits count only when you tick the box.
- Welcome bonuses are left out of the tool so the numbers read as an ordinary year.
- Rent is not in the boxes: most landlords charge a fee that cancels out the rewards, and only a few cards earn on rent at all. Add rent in the full calculator, where those rules are modelled.
- Travel-portal bookings are not in the boxes, because portal prices differ from booking direct. The portal rates are in the table above.
- Rates checked with issuers in October 2026. Terms change, so confirm with the issuer before you apply. Educational estimate, not financial advice.
One category doesn’t pick a wallet. Add the rest of your monthly spending to see which cards win across everything, fees included.
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Welcome bonus
20,000 points
About $370 if you redeem at 1.8500000000000003¢ a point, and only if you clear the spending requirement.
Points and partners
Cash Back / ThankYou Points
Transferable to airline and hotel partners.
Airlines
Aeromexico, Air France-KLM, Avianca, Cathay Pacific, Emirates (1000:800), Etihad, EVA Air, JetBlue, Qantas, Qatar Airways, Singapore, Thai Airways, Turkish Airlines, Virgin Atlantichttps://thriftytraveler.com/guides/points/credit-card-transfer-partners/#:~:text=Program%20Type%20Transfer%20Ratio%20Transfer,Instant%20Accor%20Hotel%201%2C000%3A500%20TBD
Hotels
Accor (1000:500), Choice (1:2), Wyndham, Leading Hotels of the World, Preferred Hotelshttps://thriftytraveler.com/guides/points/credit-card-transfer-partners/#:~:text=Program%20Type%20Transfer%20Ratio%20Transfer,Instant%20Accor%20Hotel%201%2C000%3A500%20TBD
Where this data came from
Earns 2% cash back on every purchase (1% when you buy and 1% when you pay); up to 5% total cash back on hotels, car rentals and attractions booked through Citi Travel; 20k ThankYou points after spending $1,500 in first 6 months (worth $200 cash back)
FAQ
The Citi Double Cash has no annual fee, so the only thing that matters is what it earns. Its best rate is 2× on everyday spending.
2× on everyday spending, and 2× on spending outside its bonus categories.
It depends on your mix, not the card. Earning alone will not cover the fee: this card pays the same rate as its rivals in the categories most people use. It has to be worth it through credits, the welcome bonus, or a transfer partner you would use. Run your own numbers in the calculator above to see where it lands against the rest of the catalog.
The listed welcome offer is 20,000 points, and offers at these cards change often, so confirm the current terms and the spending requirement with the issuer before you apply. At 1.8500000000000003¢ a point that is about $370, before you count the annual fee and whether you would clear the spending requirement for it.
Yes. It earns Cash Back / ThankYou Points, which you can transfer to the partners below. You need to hold one of Citi Strata, Citi Strata Premier, Citi Strata Elite to transfer. Airlines: Aeromexico, Air France-KLM, Avianca, Cathay Pacific, Emirates (1000:800), Etihad, EVA Air, JetBlue, Qantas, Qatar Airways, Singapore, Thai Airways, Turkish Airlines, Virgin Atlantichttps://thriftytraveler.com/guides/points/credit-card-transfer-partners/#:~:text=Program%20Type%20Transfer%20Ratio%20Transfer,Instant%20Accor%20Hotel%201%2C000%3A500%20TBD. Hotels: Accor (1000:500), Choice (1:2), Wyndham, Leading Hotels of the World, Preferred Hotelshttps://thriftytraveler.com/guides/points/credit-card-transfer-partners/#:~:text=Program%20Type%20Transfer%20Ratio%20Transfer,Instant%20Accor%20Hotel%201%2C000%3A500%20TBD. Transfers are what make a 1.8500000000000003¢ valuation reachable; using the points for cash back is worth far less.
Yes: 3% on purchases made abroad, on top of anything the merchant charges. On a Citi Double Cash that can wipe out the bonus rates, so check the numbers before you rely on it overseas.