BillSaver
Search Compare cards

Credit card review

Citi Double Cash® Card review

It combines long-term flat cash back with an intro transfer period, which is rare enough to matter.

Review snapshot See issuer terms

Snapshot

What to know first

Issuer
Citi
Network
Mastercard
Annual fee
$0
Credit profile
Good to excellent
Best fit
Flat-rate cash back plus transfer window
Categories
Best cards, Cash back, Balance transfer, No annual fee

BillSaver take

Use this card only if the fit is clear

It combines long-term flat cash back with an intro transfer period, which is rare enough to matter.

Watch out: The full 2% comes when purchases are paid, and the card is not ideal for international travel.

Pros

  • It combines long-term flat cash back with an intro transfer period, which is rare enough to matter.
  • Up to 2% cash back: 1% when you buy and 1% as you pay, plus 5% on select Citi Travel bookings. Annual fee: $0.
  • Intro APR value: 0% intro APR on balance transfers for 18 months.

Cons

  • The full 2% comes when purchases are paid, and the card is not ideal for international travel.
  • Not ideal for international purchases because the foreign transaction fee is 3%.
  • Balance transfers are not free: Intro balance transfer fee applies, then 5% of each transfer, minimum $5.

Best for

  • Readers who want flat-rate cash back plus transfer window and match a good to excellent profile.
  • Households comparing Best cards, Cash back, Balance transfer, No annual fee options and willing to verify current issuer terms before applying.
  • People who want a card that is cheaper to keep open long term.

Skip if

  • You will carry a balance after any intro period; interest can erase rewards quickly.
  • The main trade-off is a deal-breaker for you: The full 2% comes when purchases are paid, and the card is not ideal for international travel.
  • You regularly buy abroad or travel internationally and need no foreign transaction fee.

Terms snapshot

Rewards
Up to 2% cash back: 1% when you buy and 1% as you pay, plus 5% on select Citi Travel bookings.
Welcome offer
$200 cash back after qualifying spend.
Intro APR
0% intro APR on balance transfers for 18 months.
Regular APR
17.49% to 27.49% variable APR.
Balance transfer fee
Intro balance transfer fee applies, then 5% of each transfer, minimum $5.
Foreign transaction fee
3%

Issuer terms and source check

BillSaver summarizes publicly available terms for comparison. Before applying, read the issuer terms page directly and confirm rewards, APRs, fees, welcome offer requirements, transfer rules, credits, and eligibility restrictions.

Open issuer terms for Citi Double Cash® Card

How BillSaver evaluates this card

We compare the card against the job a reader is likely hiring it to do: rewards, debt breathing room, travel value, student use, business spending, or credit building. The review weighs annual fee, reward simplicity, APR exposure, intro period, transfer cost, foreign transaction fee, credit profile, issuer terms access, and the practical trade-off called out above.

Credit card terms, welcome offers, APRs, credits, and eligibility rules can change without notice. BillSaver summarizes publicly available card terms for comparison only; verify rates, fees, rewards, and offer language with the issuer before applying. BillSaver may earn compensation from some product links when approved relationships exist; compensation does not replace issuer terms or editorial fit. Source: issuer terms page linked above. Last checked May 18, 2026. Read the BillSaver credit card methodology and advertising disclosure.