CitiEditor's ChoiceBest for Balance transfers and flat 2%
Citi Double Cash®
Annual Fee
$0
Rewards Rate
2%
Intro Offer
None
Regular APR
19.24%-29.24% Variable
Citi Double Cash®
Citi Double Cash®
2% cash back: 1% when you buy, 1% when you pay.
Our take
Long 0% APR on balance transfers. Simple 2% back (1% + 1%). Solid for debt payoff or everyday spend.
Highlights
What we like
0% APR for 18 months on purchases and balance transfers
2% cash back (1% + 1%)
The trade-off
No bonus categories
Is this card right for you?
Answer a few quick questions — we'll tell you if it fits your spending habits and credit profile.
Full details
Rewards & Perks
| Rewards rate | 2% |
| Rewards type | Cash back |
| Bonus categories | 2% on all |
| Welcome offer | None |
Fees & APR
| Annual fee | $0 |
| Intro APR (purchases) | 0% for 18 months |
| Intro APR (balance transfers) | 0% for 18 months |
| Ongoing APR | 19.24%-29.24% Variable |
| Foreign transaction fee | Yes (3%) |
Eligibility
| Recommended credit score | 670-850 |
Frequently asked questions
What credit score do I need?
This card typically requires a 670-850 credit score. Building or maintaining good credit before applying improves your approval odds.
Are there foreign transaction fees?
Yes, this card charges a foreign transaction fee. See the full details section for the specific amount.
How do I earn the welcome offer?
You need to meet spending requirements to earn: None. Terms apply — check the issuer's site for exact details.
Can I product-change or upgrade this card?
Many issuers allow product changes within the same card family. Contact the issuer directly after 12 months of card membership to ask about upgrade options.
Citi Double Cash®