Citi Double Cash review

What Citi Double Cash offers.

Double Cash earns cash back in two halves: once on the purchase and once when you pay it off. Check the current earning and redemption rules against your habits.

Our ranking

#3 of 5 in Credit Cards

Service type

Cash back

Best for

Earn when you buy, earn again when you pay

Pricing

Check current terms with the company

Website

citi.com

Last reviewed

October 2026

Citi Double Cash pros and cons

Citi Double Cash costs, terms, and who qualifies

If a balance tends to roll over, interest will eat the rewards. Put the purchase APR and a payoff plan ahead of points, miles, and sign-up offers.

Before you commit to Citi Double Cash, ask for today’s terms in writing for the exact product or service you want. Pin down every one-time and recurring charge, who qualifies, which states are covered, and how you cancel or get out.

Who Citi Double Cash is for

Citi Double Cash belongs on your list if you’re looking at cash back. Start with the fit above, then put its written terms next to the other companies in this category before you commit.

When someone else may be the better pick

Run your real spending through each card's categories and caps. A statement credit for a service you'd never buy is worth nothing. Only count credits that replace money you were already going to spend.

Carrying a balance will cost more in interest than the card returns in rewards. If that doesn’t suit you, look at the alternatives below before you go any further.

What to ask Citi Double Cash

1. Do I pay the statement in full every month?
2. Do the bonus categories match where my money goes?
3. Does the annual fee buy benefits I'd actually use?
4. Can I get the full agreement and today’s terms in writing?

How we reviewed Citi Double Cash

We keep what a company says about itself separate from what we could verify. A company only gets a score once we’ve confirmed its identity, current terms, and real costs and run it through the category’s research process. Until then, no number.