Double Cash Review 2026
Citi Double Cash is a simple 2% cash-back card for people who do not want to manage categories. It also works well as a long balance-transfer option, though it charges foreign transaction fees.
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Your card estimate
Net first-year value
First year
+$500
Base rewards + bonus - fee - interest drag
Ongoing year
+$300
Excludes one-time welcome offer
SwitchWize take
Intro APR planning card
Bonus value
$200
Rewards
1% cash back
Annual fee
$0
APR
18mo 0%
Pros & cons
- Effective 2% cash back
- No annual fee
- Long balance-transfer intro period
- Simple rewards structure
- Foreign transaction fee applies
- No major travel protections
- Bonus requires higher spend than peers
Derived from the current rate, fees, and terms we track for this product. Confirm the latest details on the provider’s site.
Card truth label
Terms that decide whether this card fits
Offer history
How today's bonus compares
Current public welcome offer
$200
Observed Jun 1, 2026
12-month best
$200
1 tracked observation
Signal
At or near tracked best
Last history update Jun 1, 2026
Terms history
Has the fee or APR changed?
No change in annual fee or APR range detected since tracking began (2026-06-30 00:00:00+00). Tracked since Jun 30, 2026 across 2 tracked readings — not a signal to act by any deadline, just context on whether today's terms match what was first tracked.
Best for
- People whose spending matches the rewards structure
- Applicants who can use the welcome offer responsibly
- Cardholders who pay in full
- People comparing net first-year value
Not for
- Carrying a balance long term
- Applying only for a bonus without a payoff plan
- Spending more to earn rewards
- Anyone who cannot meet issuer approval requirements
Decision checks
Apply only if these checks pass
$0 annual fee
17.49%-28.49% variable
Spend requirement: $1,500 in 6 months
Citi terms control approval, pricing, and rewards
How you earn
Caps, exclusions, merchant coding, and redemption values can change the real return. Verify issuer terms before applying.
The intro window is 18 months. Plan the payoff before the standard APR starts.
Foreign transaction fee applies
Comparison set
Other cards to compare first
Bottom line
Is Double Cash worth it?
Citi Double Cash is a simple 2% cash-back card for people who do not want to manage categories. It also works well as a long balance-transfer option, though it charges foreign transaction fees.
Worth it if: People whose spending matches the rewards structure
Skip it if: Carrying a balance long term