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Citi credit card

Citi Double Cash® Credit Card

No annual fee. $200 USD after you spend $1,500 in 6 months. Purchase APR 18.49–28.74%, variable.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

Citi’s terms

Welcome offer

$200 cash

After you spend $1,500 on purchases in your first 6 months.

Spending it takes
$250 a month
for 6 months
Tracking since
Sep 29, 2026
history will chart every change

New cardmembers only. Subject to credit approval. Bonus not available if you received a new account bonus for a Citi Double Cash account in the past 48 months, or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a Citi Double Cash account.

  • Smaller than about 60% of the 48 other cash bonuses we track.

Who can get it: If you’ve had this bonus in the last 48 months (4 years), you can’t get it again yet.

“Bonus ThankYou ® Points are not available if you have received a new account bonus for a Citi Double Cash account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a Citi Double Cash account.”

The issuer’s terms, from its page, as of Oct 7, 2026. Check which bonuses you can get

In dollars

What it’s worth

This card’s rewards are on the issuer’s page; we haven’t confirmed them for this page yet, so we can’t put a dollar value on it. Its fees and rates are below.

Against the market

How it compares

  • No annual fee, like about 85% of the 711 cards we track.

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Benefits

  • Additional 3% cash back on hotels, car rentals, and attractions booked through the Citi Travel® portal, in addition to the 1% when you buy and 1% as you pay.
  • Citi Entertainment® provides eligible Citi cardmembers special access to presale tickets, event tickets, and exclusive experiences.
  • Citi® Merchant Offers provides qualifying statement credits after enrollment and qualifying purchases under the offer details.
  • $0 liability on unauthorized charges.
  • Access to a free FICO® Score online, updated monthly.
All 17 benefits
  • Mastercard® ID Theft Protection monitors selected information and alerts you if suspicious activity is found; enrollment is required.
  • Citi® Quick Lock can block new charges while recurring transactions continue.
  • Citi provides 24-hour fraud protection and alerts customers about unusual activity.
  • Automatic account alerts for balances, payments, and credit limits.
  • The cardholder may choose an available payment due date.
  • Paperless statements and e-communications.
  • 24/7 customer service through Citi digital services and the Citi Mobile® App.
  • Contactless payment and digital wallet support.
  • Citi® Flex Pay is available on eligible purchases of $75 or more and allows fixed monthly payments while continuing to earn points.
  • Extended warranty
  • Other
  • Other

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Balance transfer APR
Balance transfer fee
Cash advance APR
Cash advance fee
Penalty APR
Late payment
Returned payment
Foreign transactions
Grace period
Minimum interest charge

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
  3. The bonus: If you’ve had this bonus in the last 48 months (4 years), you can’t get it again yet.

Questions

What is the annual fee?
None · citi.com, since Sep 29, 2026
Does it charge a foreign transaction fee?
Yes: 3% of each purchase transaction in U.S. dollars.. · citi.com, since Oct 8, 2026
What is the purchase APR?
18.49–28.74% APR · citi.com, since Oct 8, 2026
Is there a welcome bonus?
$200 cash back after $1,500 in purchases in 6 months. · citi.com, since Oct 21, 2026
See it on citi.com

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