Double Cash
Citi
Double Cash
Offer Strength
StandardShow breakdown
Estimated bonus value: ~$200
Base score: 25
Current $200 vs typical $200
Net value after annual fee: ~$200
Estimate based on our value hints; not financial advice.
Annual Fee
$0/yr
Double Cash
Welcome Offer
Earn $200 cash back after spending $1,500 in the first 6 months.
Eligibility Rules
These issuer rules may affect your approval or bonus eligibility.
Citi velocity rules
Citi is observed to limit approvals to about 1 card per 8 days and 2 cards per 65 days.
Citi 48-month bonus rule
Many Citi cards appear to restrict bonus eligibility for 48 months after you last received a bonus on that same card.
Duplicate ownership rule
Most banks are observed to decline applications for a card you already hold.
Rules reflect community-reported patterns, not official issuer policies.
Check your eligibilityEarning Rates
Citi Travel bookings
5% cash back
Hotels, car rentals, and attractions via cititravel.com
Everything
2% cash back
1% when you buy + 1% as you pay
Key benefits
2% on everything
1% when you buy + 1% as you pay. Unlimited, no categories to track.
5% on Citi Travel
Hotels, car rentals, and attractions booked via cititravel.com.
No annual fee
Simple flat-rate cash back with $0 yearly cost.
Perks
0% intro APR
0% for 18 months on balance transfers.
Good fit for
About this card
The Citi Double Cash is one of the simplest and most effective cashback cards available. It earns an effective 2% on all purchases — 1% when you buy and 1% when you pay your bill — with no annual fee and no category tracking required.
Best for
Anyone who wants a no-fuss, no-annual-fee card with a competitive flat rate on all spending. Ideal as a default card for purchases that don't earn higher rewards elsewhere.
Key considerations
No sign-up bonus on the standard offer (though promotional offers occasionally appear). Citi's 48-month rule and velocity limits apply.
Card analysis
Offer analysis
The current offer on the Double Cash awards 200 cashback after spending $1,500 within 180 days of account opening.
Annual fee value
The Double Cash has no annual fee, making it a risk-free addition to your wallet. There is no ongoing cost to hold this card, so the only consideration is whether the rewards structure fits your spending habits.
Application strategy
Citi enforces a 48-month bonus restriction: Citi card family cooldown rule.. Citi also has velocity limits — you generally cannot be approved for more than one Citi card per 8 days or two per 65 days.
Analysis is auto-generated from card data and known issuer rules. Not financial advice.
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