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
See offerYou'll leave SwitchWize. Verify terms with the issuer.
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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
Cash-back optimizer
Bonus value
$200
Rewards
1% cash back
Annual fee
$0
APR
17.49%-27.49%
Pros & cons
- No annual fee
- Sign-up bonus worth $200
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
$0 annual fee
17.49%-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.
If you carry a balance, compare payoff cost before rewards. Interest can erase rewards quickly.
The real value depends on category rules, caps, APR behavior, and whether you carry a balance.
Comparison set
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Bottom line
Is Double Cash worth it?
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
Worth it if: People whose spending matches the rewards structure
Skip it if: Carrying a balance long term