Citi Double Cash
Citi · Cashback review
Readers who want one flat-rate no-fee cashback card and aren't interested in tracking categories
Sorted by score, never commission
Annual fee
$0
No annual fee, every year
Ongoing APR
17.49% – 27.49% variable
Variable — verify the current range at the issuer
Intro APR
0% on balance transfers for 18 months (no intro APR on purchases)
Then the ongoing APR applies
As of July 15, 2026
Best for
Readers who want one flat-rate no-fee cashback card and aren't interested in tracking categories. The 2% (1% at purchase + 1% at payment) is the cleanest math in the cashback space.
Not for
Heavy travelers (foreign-transaction fee + weak transfer-partner ecosystem post-2025) and anyone who carries a balance — the ongoing APR wipes out the cashback.
The catch
The 1% post-payment half of the rate only credits when you actually pay the statement. Skip a payment and you lose the back half, not just defer it. Treat this as a pay-in-full card or the math breaks.
Card facts
Sourced from the issuer's published Schumer Box and terms — confirm current numbers at the issuer.
Product specs
- Annual fee
- $0
- Intro APR
- 0% on balance transfers for 18 months (no intro APR on purchases)
- Ongoing APR
- 17.49% – 27.49% variable
- Foreign transaction fee
- 3%
- Balance transfer fee
- Intro $5 or 3% (first 4 months), then $5 or 5%
- Late payment fee
- Up to $41
- Schumer Box sourced
- July 15, 2026
How we scored this card
See our published methodology — 5 dimensions, 0–20 each, 100-point total.
Get an email when Citi Double Cash's offer changes.
We track Citi Double Cash's current offer and terms. We'll email you the moment they change — no checking back.
Frequently asked
Does the Citi Double Cash charge an annual fee?
No. The Citi Double Cash carries a $0 annual fee, sourced from the issuer's published Schumer Box as of July 15, 2026. Rates change — confirm the current terms at the issuer.
What APR does the Citi Double Cash charge?
17.49% – 27.49% variable. There is also an intro rate: 0% on balance transfers for 18 months (no intro APR on purchases). APRs are variable and set by the issuer — confirm the current range on the issuer's Schumer Box before you commit.
Does the Citi Double Cash charge foreign transaction fees?
Yes — 3% per purchase made outside the U.S. Factor that in if you travel or shop internationally.
Who is the Citi Double Cash best for?
Readers who want one flat-rate no-fee cashback card and aren't interested in tracking categories. The 2% (1% at purchase + 1% at payment) is the cleanest math in the cashback space.
Who should skip the Citi Double Cash?
Heavy travelers (foreign-transaction fee + weak transfer-partner ecosystem post-2025) and anyone who carries a balance — the ongoing APR wipes out the cashback.
How did ClearValue score the Citi Double Cash?
Citi Double Cash scored 89/100 — "Solid pick". We score every card across five dimensions (effective rewards, fee structure, audience fit, transparency, and the weakness named), 0–20 each. Scores are never influenced by commission. See our methodology for the full rubric.
Alternatives to the Citi Double Cash
Other cashback cards we've scored, ranked by our methodology.
- DiscoverCanon
Discover it Secured
90/100Annual fee$0Ongoing APR26.49%Intro APR10.99% · 6 moBest forCredit-builders who want a $0 AF secured card that reports to all three bureaus, earns rotating-category cashback, AND g
Fees sourced from issuer terms · 2026-08-15
- Capital OneSolid pick
Capital One Quicksilver Secured
89/100Annual fee$0Ongoing APR28.99%Foreign txn feeNoneBest forCredit-builders who want a secured card that reports to all three bureaus AND earns 1
Fees sourced from issuer terms · 2026-07-15
- ChaseSolid pick
Chase Ink Business Unlimited
88/100Annual fee$0Ongoing APR16.74–24.74%Intro APR0% · 12 moBest forBusinesses whose spend doesn't concentrate in a specific bucket — unlimited 1
Fees sourced from issuer terms · 2026-07-22
