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A straightforward cash back card that rewards every purchase twice
Flat 2% cash back on purchases
Earn 1% when you buy and another 1% as you pay your balance.
Extra rewards on Citi Travel bookings
Get a total of 5% cash back on eligible hotels, car rentals and attractions booked through Citi Travel.
No annual fee
Enjoy ongoing cash back and card benefits without paying an annual membership fee.
Intro 0% APR on balance transfers
Pay down transferred balances with a 0% intro APR for 18 months, then a variable APR applies.
How the Citi Double Cash Card Works in 2025
The Citi Double Cash Card is built for people who want simple, predictable rewards on every purchase instead of juggling multiple bonus categories. In 2025, it remains a no-annual-fee card that effectively gives you 2% cash back on all purchases: you earn 1% when you make an eligible purchase and another 1% as you pay it down. The cash back is earned as ThankYou Points, with each point worth one cent when redeemed for cash back, so you do not have to worry about dynamic or confusing valuations. There are no caps on how much you can earn and no rotating categories to activate, which makes the card particularly appealing as a “catch-all” option for everyday spending that does not fit into specialized bonus categories on other cards.
On top of the flat 2% structure, the credit card now offers elevated rewards on select travel booked through Citi Travel. When you use the Citi Double Cash to book eligible hotels, car rentals and attractions through the portal, you can earn an additional 3% cash back, for a total of 5% back on those transactions through the current promotional period. That makes the card more attractive for cardholders who occasionally book trips but do not want a dedicated travel card with a higher annual fee. New cardholders may also qualify for a welcome offer, commonly a $200 cash back bonus after meeting a minimum spending requirement within the first six months of account opening, though the exact details can vary by offer.
From a financing perspective, the Citi Double Cash card shines as a balance transfer tool. It typically features a 0% introductory APR on balance transfers for 18 months from the date of the first transfer, with a balance transfer fee that starts at 3% of each transfer (minimum dollar amount) for transfers made within an introductory window and can increase to 5% afterward. There is no introductory 0% APR on purchases, so everyday spending should ideally be paid in full each month to avoid interest charges once the variable APR kicks in, which generally falls in the high-teens to high-twenties depending on creditworthiness. The card also charges a foreign transaction fee of around 3% on purchases made in non-U.S. currencies, making it less suitable as a primary card abroad. Overall, the Citi Double Cash is best viewed as a simple, no-annual-fee workhorse for domestic spending and strategic balance transfers, with a straightforward path to turning every purchase into reliable rewards.
Turn Everyday Purchases into Reliable Cash Back
The Citi Double Cash Card is designed to make rewards feel effortless. Instead of worrying about flash promos, rotating categories or bonus tiers, you get a flat, predictable return on almost everything you buy: 1% when you spend and 1% when you pay. That simple formula means your groceries, streaming bills, online shopping and gas can all earn the same consistent rate, which is especially appealing if you do not want to micromanage which card handles which purchase. When you add the opportunity to earn a total of 5% back on select travel booked through Citi Travel, occasional trips become a chance to accelerate your rewards even more without changing your entire card strategy.
What makes the Citi Double Cash especially compelling in 2025 is how it combines that simplicity with meaningful flexibility. Because your rewards are earned as ThankYou Points, you can take the easy path and redeem them directly for cash back, or you can fold them into a broader points strategy if you hold other Citi cards that allow more advanced redemptions. Either way, you retain control over how your rewards are used, whether that means shrinking your credit card bill, padding your checking account or picking up gift cards for purchases you were going to make anyway.
At the same time, the card’s balance transfer offer gives it a dual purpose. If you are currently paying high interest on another card, moving that balance to the Citi Double Cash and taking advantage of 18 months of 0% intro APR on balance transfers can give you breathing room to pay it down more aggressively. You will pay a transfer fee, and you will not earn cash back on the transferred amount, but the savings on interest can still be significant with a disciplined payoff plan.
If you are ready to simplify your rewards and potentially save on interest, this card can be a strong candidate. A clear next step is to review your spending patterns and existing balances, then consider an action like: “Apply now for the Citi Double Cash Card to start earning up to 2% back on every purchase and explore 0% intro APR savings on qualifying balance transfers.” Once approved, you can integrate the card into your everyday routine, route non-bonus purchases through it, and immediately start turning routine expenses into reliable rewards.