Citi Double Cash Card
The Citi Double Cash Card has no annual fee and pays 2% on purchases in two halves, 1% when you buy and 1% as you pay, earned as ThankYou Points. Hotels, car rentals and attractions booked through Citi Travel earn 5 points per $1. A 3% foreign transaction fee applies.
- Annual fee
- No annual fee
- Rewards type
- Cashback
- Foreign transaction fee
- 3% of the U.S. dollar amount of each purchase
- Headline earn
- 2% on purchases (1% when you buy, 1% as you pay); 5 points per $1 on Citi Travel bookings
Facts read from the Citi official Double Cash card page on October 22, 2026. How we check them: methodology.
Earn rates, as the issuer prints them
| Earn rate |
|---|
| 2% cash back on purchases: 1% when you buy and 1% as you pay for those purchases, earned as ThankYou Points |
| 5 ThankYou Points per $1 (an additional 3%) on hotels, car rentals and attractions booked through Citi Travel |
The split earn is the detail to understand: the second 1% arrives as you pay for the purchase, so the full 2% depends on paying the bill. Rewards post as ThankYou Points, which ties this card to the Citi ThankYou hub, where the reachable transfer partners depend on which Citi card earned the points. Citi does not publish transfer ratios on citi.com, so this profile states none; the transfer screen in your account shows what applies.
A year of spending on this card, worked out
Arithmetic illustration with stated inputs: $1,800 a month of purchases paid in full earns 43,200 ThankYou Points a year at 2 points per $1, the rate implied by the issuer's note that 5 points per $1 is an additional 3%. Adding $1,200 of hotels booked through Citi Travel at 5 per $1 brings 6,000 more, for 49,200.
Welcome offer as published
As published on the issuer page: $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening.
The $200 bonus needs $1,500 in purchases within the first six months of account opening, an average of $250 a month. The six-month window is double the three months most cards here allow, which leaves room to reach the threshold with ordinary spending. The $1,500 itself earns 2%, or $30, once paid.
Who this earn structure suits
People who pay in full and want one flat rate with no categories to track: the second half of the 2% only lands as purchases are paid, so the structure pays its full rate to those who clear the balance monthly. The balance is ThankYou Points, which is why this cashback card links to the Citi ThankYou hub.
The traps to check in your account
- Points land in Citi ThankYou Points; read its hub and the transfer guides before moving any.
- The second 1% is earned as you pay, so a purchase you have not yet paid for has earned only half its rate.
- Interest on a carried balance can outweigh the rewards, so the earn table assumes you pay in full.
Questions readers ask
What does the Citi Double Cash Card earn?
2% on purchases (1% when you buy, 1% as you pay); 5 points per $1 on Citi Travel bookings, per the issuer page checked October 22, 2026.
What is the welcome offer on the Citi Double Cash Card?
Checked October 22, 2026: The $200 bonus needs $1,500 in purchases within the first six months of account opening, an average of $250 a month. The six-month window is double the three months most cards here allow, which leaves room to reach the threshold with ordinary spending. The $1,500 itself earns 2%, or $30, once paid.
Does the Citi Double Cash Card charge foreign transaction fees?
3% of the U.S. dollar amount of each purchase, per the issuer page checked October 22, 2026.
Is the Citi Double Cash Card worth its annual fee?
There is no annual fee. Other flat-rate cards in this directory include the Wells Fargo Active Cash at 2% and the Chase Freedom Unlimited at 1.5% or more, so the comparison is less about rate than about currency: this card's rewards arrive as ThankYou Points, while those cards pay cash rewards or Ultimate Rewards points. The 3% foreign transaction fee makes it a card for spending at home.
Why does the Citi Double Cash pay rewards as ThankYou Points?
That is how the issuer page checked October 22, 2026 prints it: the 2% is earned as ThankYou Points. What those points can do beyond cash back depends on the Citi cards you hold, which the ThankYou hub covers without quoting ratios Citi does not publish.