Citi Double Cash Review 2026
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back
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
- No annual fee
- Sign-up bonus worth $200
- 18-month 0% intro APR
No material drawbacks found in the data we track.
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
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
Product card image shown
$0 annual fee
19.24%-27.49% 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.
The real value depends on category rules, caps, APR behavior, and whether you carry a balance.
Comparison set