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Up to three cards side by side, most decisive first. Open any section for the detail.

Rewards only pay if you pay in full. We compare what a card earns and gives, not its interest rates: carrying a balance costs more than any card earns. Rates and fees like APR, balance transfer and cash advance vary by applicant, so check the issuer's rates and fees before you apply. Why we never carry a balance

Citi Double Cash Card card art
Citi Double Cash 1 of 1
Comparing 1 card
Citi Double Cash Card card art
Citi
Citi Double Cash
Apply Details
Cost and value $0 fee
Annual fee
$0
Credits you can use a year, if you use every one
None
Fee after credits
$0
Point value per point or mile
1.00¢ Fact
Rewards currency
Cash back
Foreign transaction fee
3%
Rates and fees
On the issuer's site APR, balance transfer and cash advance vary by applicant
Sign-up bonus $200 statement credit, about $200
Bonus
$200 statement credit
Estimated value
$200
Spend to earn it less a month is easier
$1,500 in 180 days about $250 a month
Earning rates Top rate 5% back
Return is points per dollar times that card’s point value, so 3x and 4x on different currencies compare fairly.
Hotels
2% back the everything-else rate
  • 5% back via the issuer portal, about 5.0%
Everything else
2% back
Statement credits No credits
Monthly credits to track fewer is less work
0
Transfer partners No transfers
Partners
None
Alliance reach
None
Status, lounges and travel No status or lounges
Protection and insurance 3 coverages
Rows line up by coverage type. "Not listed" means the terms we track do not mention it, not that the card lacks it.
Extended warranty
  • Extended warranty coverage subject to terms, conditions, and limitations; coverage provided by New Hampshire Insurance Company, an AIG company.
Purchase protection
  • Mastercard ID Theft Protection monitors chosen information and alerts cardholders to suspicious activity; free enrollment required.
Other coverage
  • Pay over time in fixed monthly payments on eligible purchases of $75 or more while continuing to earn points.
Lifestyle and other perks 3 perks
Lifestyle and entertainment
  • Access to Citi Entertainment program offering special access to purchase tickets to concerts, sporting events, arts and culture experiences, including presale tickets.
Other perks
  • Cardmembers are not held liable for unauthorized charges made on their account.
  • There is no fee to add an authorized user to the account.
Authorized users Free
Cost
Authorized users are free.
Each one gets
  • Extended warranty
Application rules 1/8
Issuer approval rules
  • 1/8 Community-reported
    What counts

    Citi generally approves at most 1 card application per 8 days.

  • 2/65 Community-reported
    What counts

    Citi generally approves at most 2 card applications per 65 days.

Bonus eligibility
  • 48-month rule Community-reported
    What counts

    Citi sign-up bonuses within the same card family are generally available only once every 48 months.

Card type
Personal