Citi Double Cash Card
A Citi Mastercard card with no annual fee. Here's what it pays back after that fee for three spending profiles, simulated month by month. Terms verified Oct 5, 2026.
What it's worth
5 years, the welcome offer counted when the profile's own spending reaches it, rewards valued as cash. Merchant credits like Uber or DoorDash aren't counted for typed profiles.
| Profile | Year 1 | Then yearly | 5 years |
|---|---|---|---|
| Everyday spender About $2,000 a month, mostly groceries and errands, one trip a year. | $674 | $474 | $2,570 |
| Balanced About $3,500 a month with a few trips a year and regular dining out. | $995 | $795 | $4,175 |
| Frequent traveler About $5,000 a month, heavy on flights, hotels and restaurants, some trips abroad. | $1,220 | $1,020 | $5,300 |
Your spending isn't one of our profiles. Drop in a year of statements and see where the Citi Double Cash ranks against every card we track. They're read on this device and never uploaded.
Terms
| Term | Citi Double Cash |
|---|---|
| Issuer and network | Citi, Mastercard |
| Annual fee | None |
| Requires | Nothing extra |
| Welcome offer | $200 after $1,500 in 6 months |
| Earning | 5x total (2x + 3x extra) on hotels, car rentals and attractions booked through Citi Travel · 2x on everything else |
| Rewards currency | Citi ThankYou points |
| Statement credits | None |
| Lounges | None |
| Foreign transaction fee | 3% |
| Authorized users | No fee |
| Availability | Open to new applicants |
| Verified | Oct 5, 2026 |
Checked against the issuer's page. Dates and sources for each part.
Fine print
- The 2% is 1 point per $1 when you buy plus 1 point per $1 when you pay (up to the Purchase Tracker balance).
- Rewards are ThankYou Points worth 1 cent each as statement credit, direct deposit or check (10,000 points = $100). A Double Cash in the same ThankYou account also lets Strata Premier/Elite points cash out at 1 cent instead of 0.75 cent.
- On its own, Double Cash points transfer to most Citi partners at reduced ratios (about 1,000:700 per secondary sources). Pooled with a Strata Premier or Strata Elite they transfer at the full ratios, so transferPartners is false here.
- Balance transfer intro: 0% for 18 months from account opening. The 3% ($5 min) intro fee applies to transfers completed in the first 4 months; after that the fee is 5% ($5 min). Balance transfers do not earn rewards. There is no intro APR on purchases.
- They match NerdWallet's listing (updated Apr 16, 2026).