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Citi Double Cash: Unlimited 2% Back, But Is It Enough?
Citi Double Cash offers unlimited 2% cash back with no annual fee. Is this enough to compete with cards like Chase Freedom Unlimited?
The Quick Version
The Citi Double Cash® Card delivers a straightforward cash back experience with unlimited 2% cash back — 1% when you buy, and another 1% as you pay. It has no annual fee but watch out for the variable APR between 18.49% and 28.49%, which could sting if you carry a balance. source
Rates shown are representative. Your actual rate depends on your credit profile. This is not financial advice.
Citi Double Cash® Card
Citi's card is all about simplicity: earn as you pay.
Fees & Rates
Expect no annual fee, but the APR ranges from 18.49% to 28.49% variable, depending on your creditworthiness. There's also a $200 cash back bonus if you spend $1,500 within the first six months. However, keep an eye on the foreign transaction fee, which can be a deterrent for frequent travelers. source
What's Actually Good
The unlimited 2% cash back on all purchases is the card's highlight, with no categories to track or enrollments required. The $200 sign-up bonus for a modest $1,500 spend is a nice touch without an annual fee. Plus, an additional 3% on select travel booked through Citi adds value for occasional travelers.
The Catch
The variable APR can soar up to 28.49%, making it risky for those who don't pay off their balance in full. The foreign transaction fee also makes this card less appealing for international use. Additionally, the extra 3% cash back on travel is limited to bookings through Citi, which can be restrictive.
This Card Is For You If...
If you have a good credit score (670+) and are looking for a no-fuss, no-annual-fee card with simple cash back on every purchase, this one's for you. It's also suitable if you pay your balance in full each month to avoid high interest rates.
The Bottom Line
The Citi Double Cash® Card shines with its straightforward cash back program, but the high potential APR and foreign transaction fees are drawbacks. If you're a frequent international traveler, consider alternatives like the Chase Freedom Unlimited. For more on competitive cash back options, check out Bank of America Customized Cash Rewards: Is It Really Worth It?
