Citi · Mastercard
Citi Double Cash
One card, 2% on everything, no categories to track
No annual fee
Why people consider it
- 2x on every purchase.
- Simple 2x on everything.
Current welcome offer
Welcome offer: +$200
Requirement: Spend $1,500 in 6 months
Tell us what you normally spend and we’ll check it against this requirement. Find a card →
Current offer shown; issuer determines eligibility.
Recommended credit score: 680+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
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Is this card worth it?
Ongoing value
$1,152/year
for the sample household ($4,800/month) · points at typical value
First-year value
$1,352 first year
Includes: +$200 welcome offer
$200 is one-time. $1,152/year is ongoing.
To earn the bonus: spend $1,500 in 6 months.
Offer verified: Nov 4, 2026
Worth considering if you already want this type of card.
- Full annual fee:
- none
- Major trade-offs:
- Must pay bill to get full 2% No bonus categories
- Against a no-fee alternative:
- This is a no-fee card — nothing to earn back.
Detailed research
Full reward table and category caps
Hotels, car rentals and attractions booked on Citi Travel
Optional benefits and credits
Perks (not counted in our math)
Approval and bonus eligibility caveats
Recommended credit score: 680+ — the issuer decides every application.
Issuer verification source
Rates and fees may vary.See current rates, fees, and terms on Citi's site
Detailed methodology
Net annual value = rewards on a spending profile at typical point value − the full annual fee; credits count only if you tell us you use them; a welcome offer counts once, in year one, only where the profile meets its requirement. Same math as Find a Card. Methodology v2026.09.4.
Editorial review and disclosures
Pros
- + True 2% on everything
- + No annual fee
- + No category tracking
- + Good balance transfer option
Cons
- - Must pay bill to get full 2%
- - No bonus categories
- - Limited benefits
Written by Tim · Data verified against issuer terms · Last checked Nov 4, 2026 · Methodology v2026.09.4
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.