The Citi Double Cash is a no-fee card that earns 2% on everything, as 1% when you buy and 1% when you pay it off. It earns Citi ThankYou points that become transferable when paired with a Citi Strata Premier. Figures are as of 2026; confirm current terms and welcome offers at the issuer.
What the Citi Double Cash earns
| Category | Rate |
|---|---|
| Everything, when you buy | 1% back |
| Everything, when you pay it off | 1% back |
The perks and details
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The Double Cash earns a flat 2% on all purchases, split as 1% at purchase and 1% when you pay the balance. It earns Citi ThankYou points, which become transferable to Citi airline and hotel partners when you also hold a Citi Strata Premier or similar card. It has no annual fee. The bonus timing is in the Citi 48 month rule guide.
The fee math
With a $0 fee, the flat 2% is pure return on every purchase, and it is one of the simplest no-fee cards to use. Its ceiling rises if you pair it with a Strata Premier to move points to transfer partners. Confirm current earn rates at the issuer.
Citi Double Cash
Earn rates and the fee are current as of 2026. Confirm the current welcome offer at the issuer before you apply.
Who it fits and who it does not
The Double Cash fits anyone who wants a simple 2% on everything with no annual fee, and more so if you hold a Strata Premier to make the points transferable. It does not fit someone chasing category bonuses.
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FAQ
Does the Citi Double Cash have an annual fee?
No. The Double Cash has no annual fee, so the 2% on every purchase is pure return. Confirm current terms at Citi.
How does the 1% plus 1% work?
You earn 1% when you make a purchase and another 1% when you pay it off, for 2% total. Paying on time is required to earn the second 1%. Confirm current terms at Citi.
Are Citi Double Cash rewards transferable?
On their own they act like cash back. Paired with a Citi Strata Premier, the ThankYou points become transferable to Citi partners. Confirm current pairing rules at Citi.
Last reviewed October 2026. We verify every rule, ratio, and figure against issuer terms and current reporting, and date each one. See our editorial standards for how we research and correct guides.
We re-check these guides as issuer rules and award charts change. 2 ways to follow along, no account needed.