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Citi Double Cash card offers 2% flat cash back with no annual fee and a $200 welcome bonus.

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14 Aug 2026
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The Citi Double Cash credit card provides a straightforward 2% cash back on all purchases—1% when you buy and 1% when you pay off the balance. It has no annual fee, no spending caps, and a $200 welcome bonus after spending $1,500 in the first six months. The card also offers a 0% introductory APR for 18 months on balance transfers, making it attractive for those looking to manage debt. However, to maximize rewards, users must pay their balance in full each month to avoid interest charges that could outweigh cash back benefits.

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