Citi Double Cash® Card Review 2024: Cash Back on Everything

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In the competitive landscape of cash-back credit cards, the Citi Double Cash Card has consistently stood out as a top contender. With its straightforward rewards structure and no annual fee, it’s a popular choice for those seeking a hassle-free way to earn cash back on their everyday spending. In this comprehensive review, we’ll delve into the features, benefits, and potential drawbacks of the Citi Double Cash Card, helping you determine if it’s the right fit for your financial needs in 2024.

Overview of the Citi Double Cash Card

The Citi Double Cash Card is renowned for its simple yet effective cash-back program. Unlike cards with rotating bonus categories or complex earning rates, this card offers a flat rate of cash back on all purchases, making it an excellent choice for consumers who value simplicity in their rewards.

Key Features of the Citi Double Cash Card

  • Cash-Back Rewards: Earn 2% cash back on all purchases – 1% when you buy and an additional 1% when you pay for those purchases.
  • No Annual Fee: Enjoy the benefits of the card without worrying about an annual fee cutting into your rewards.
  • Intro APR Offer: The card often features an introductory APR on balance transfers for a limited time, providing an opportunity to manage existing credit card debt.
  • Flexible Redemption Options: Redeem your cash back as a statement credit, direct deposit, check, or convert it to Citi ThankYou Points for additional redemption options.

Earning and Redeeming Cash Back

The Citi Double Cash Card’s earning structure is straightforward: you earn 1% cash back when you make a purchase and another 1% when you pay for that purchase. This encourages responsible credit card usage by rewarding both spending and payment. There are no spending caps or categories to track, making it an ideal card for everyday use.

Redemption options are flexible, allowing cardholders to choose the method that best suits their needs. Whether you prefer a statement credit to offset your bill, a direct deposit into your bank account, or even converting your cash back into Citi ThankYou Points for travel redemption or gift cards, the Citi Double Cash Card offers versatility in how you use your rewards.

Comparing to Other Cash-Back Cards

When compared to other cash-back credit cards like the Chase Freedom Unlimited or the Wells Fargo Active Cash Card, the Citi Double Cash Card holds its own with its flat-rate cash-back structure. However, it’s essential to consider other factors such as welcome offers, bonus categories, and additional perks when choosing the best credit card for your needs.

Intro APR and Balance Transfer Benefits

The Citi Double Cash Card often features an attractive intro APR offer on balance transfers, making it a solid option for those looking to consolidate high-interest debt. While there is an intro balance transfer fee, the potential savings on interest can outweigh this cost for many cardholders.

Additional Perks and Benefits

While the Citi Double Cash Card is primarily focused on cash-back rewards, it does offer other benefits such as Citi Entertainment, which provides access to presale tickets and exclusive experiences for concerts, sporting events, and more. Additionally, the card comes with standard Citi protections like fraud protection and 24/7 customer service.

Fees and Considerations

The Citi Double Cash Card does not have an annual fee, making it an appealing option for those looking to earn rewards without additional costs. However, it’s important to be aware of the foreign transaction fee, which can add up for those who travel or make purchases abroad.

Eligibility and Credit Score Requirements

The Citi Double Cash Card typically requires a good to excellent credit score for approval. Prospective cardholders should check their credit score and review their credit history before applying to ensure they meet the eligibility criteria.

Pros and Cons of the Citi Double Cash Card


  • Simple and straightforward cash-back structure with 2% cash back on all purchases.
  • No annual fee.
  • Flexible redemption options for cash back.
  • Intro APR offer on balance transfers.


  • No bonus categories for higher rewards on specific spending.
  • Foreign transaction fee for international purchases.
  • No welcome bonus offer for new cardholders.

Is the Citi Double Cash Card Worth It?

The Citi Double Cash Card is an excellent choice for individuals seeking a straightforward cash-back credit card with no annual fee. Its flat-rate rewards structure makes it easy to earn cash back on every purchase without worrying about rotating categories or spending caps.

However, if you frequently spend in specific categories like groceries or travel, you might find more value in a card that offers bonus rewards in those areas. Additionally, if you’re looking for a card with more travel perks or no foreign transaction fees, you may want to explore other options.

Conclusion: A Solid Cash-Back Option

In conclusion, the Citi Double Cash Card offers a compelling combination of simplicity, value, and convenience for those looking to earn cash back on their everyday spending. With its competitive rewards rate, no annual fee, and flexible redemption options, it’s a strong contender in the cash-back credit card market.

In addition to its cash-back rewards, the Citi Double Cash Card offers various benefits that make it a versatile choice for many cardholders. With no annual fee and a competitive balance transfer offer, it’s an attractive option for those looking to manage their credit card debt more effectively. The card’s intro APR period provides an opportunity to save on interest charges during the first months of account opening, making it easier to pay off large purchases or existing balances. Furthermore, the Citi Double Cash Card can complement other Citi cards, such as the Citi Premier or Citi Prestige, by maximizing cash rewards across different spending categories, including car rentals, hotel stays, and grocery stores. For new applicants with a fair credit score, this card offers a straightforward path to earning rewards, with no complicated bonus categories to track. Overall, the Citi Double Cash Card is a great card for those seeking simplicity, flexibility, and value in their credit card experience.

Before applying, consider your spending habits, financial goals, and how the card’s features align with your needs. By doing so, you can make an informed decision on whether the Citi Double Cash Card is the right choice for maximizing your rewards and enhancing your personal finance journey in 2024.