Citi Double Cash Card Review 2025 | Simple 2% Cash Back That Actually Pays

How the rewards work

The Citi Double Cash Card delivers a straightforward rewards structure that’s easy to budget around: 1% cash back when you buy and 1% when you pay your bill, netting a true 2% cash back on virtually every purchase. That simple system removes the need to track rotating categories, enrollment windows, or caps, which is ideal if you want steady returns without micromanaging your wallet.

Redemption is flexible and user-friendly—cash back can be applied as a statement credit, direct deposit, or check. For many U.S. cardholders the predictability of the Citi Double Cash Card’s cash back makes it a go-to “everyday” credit card to pair with niche category cards for groceries or travel.

Fees, APRs and balance transfer perks

One of the main draws is the $0 annual fee, so the 2% cash back isn’t offset by yearly costs. The card often offers a 0% intro APR on balance transfers for 18 months, though there’s typically a balance transfer fee – often an intro rate around 3% within an initial window, then a higher fee after that. Regular APRs vary by creditworthiness, commonly ranging in the high teens to high twenties.

Keep in mind there’s a 3% foreign transaction fee, so this isn’t the best pick for frequent international travel. If you plan to use the Citi Double Cash Card mainly for domestic purchases and occasional balance transfers, it remains a strong, low-hassle option for saving on everyday spend.

Who should get the Citi Double Cash Card

If you prefer a no-nonsense rewards card that performs reliably on every purchase, the Citi Double Cash Card is built for you. It suits people who don’t want category tracking—rent, gas, streaming, and household buys all earn the same 2% cash back, which compounds nicely over time and on debit-like everyday spending.

It’s also smart for someone managing existing credit card debt who can take advantage of the 0% intro balance transfer period to lower interest costs while still earning rewards. That combination of a flat cash back rate and balance transfer flexibility makes the Citi Double Cash Card a pragmatic part of many U.S. consumers’ credit lineups.

Tips to maximize cash back

Use the Citi Double Cash Card for recurring bills and general purchases where you don’t have a category-optimized card. Pair it with a specialty card that gives boosted rates for dining, groceries, or travel to capture higher overall returns—use the Double Cash for everything else to lock in that clean 2% cash back.

Watch for balance transfer windows and read the fine print on transfer fees and duration. Also consider redeeming cash back as a statement credit or direct deposit to simplify accounting. The Citi Double Cash Card’s low maintenance, steady rewards and no annual fee make it a dependable tool for boosting savings on everyday spending.