Citi · Mastercard
Citi Double Cash
Annual Fee
$0
Sign-Up Bonus
$200
Current offer shown; issuer determines eligibility.
Spend $1,500 in 6mo
Terms apply.
Base Rate
2x
on everything
Best For
One card, 2% on everything, no categories to track
Sign-Up Bonus
Bonus: 200 cashback
Requirement: Spend $1,500 in 6 months
Estimated value: $200Terms apply. Current offer shown; issuer determines eligibility.
Key Benefits
Perks (not counted in our math)
Pros & Cons
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
Rates and fees may vary.See current rates, fees, and terms on Citi's site
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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Written by Tim · Data verified against issuer terms · Last checked Sep 14, 2026 · Methodology v2026.09.1
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.