citi

CITI DOUBLE CASH

mastercard

Citi

Citi Double Cash

No annual fee · 20,000 point signup bonus · flat rate 2%, no annual fee, simple rewards

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Quick Stats

Annual Fee

Signup Bonus

20,000 pts

Spend Requirement

$1,500 in 6mo

Foreign Transaction Fee

Yes

Credit Score

good

Currency

TYP

Earning Rates

dining2x

travel2x

groceries2x

gas2x

other2x

Travel portal value

Worth 1¢ per point when booking through Citi's travel portal

1¢/pt

Transfer Partners

Citi ThankYou Points

Airlines

Turkish Miles&Smiles

TK·Star Alliance

1:1

instant

Singapore KrisFlyer

SQ·Star Alliance

1:1

12-24 hours

Air France/KLM Flying Blue

AF·SkyTeam

1:1

instant

Virgin Atlantic Flying Club

VS·SkyTeam

1:1

instant

Avianca LifeMiles

AV·Star Alliance

1:1

instant

Cathay Pacific Asia Miles

CX·oneworld

1:1

instant

Emirates Skywards

1:1

instant

Etihad Guest

1:1

instant

JetBlue TrueBlue

1:1

instant

Qantas Frequent Flyer

QF·oneworld

1:1

instant

Qatar Airways Privilege Club

QR·oneworld

1:1

instant

Hotels

Accor Live Limitless

1:1

instant

Choice Privileges

1:1

instant

Wyndham Rewards

1:1

instant

Perks & Benefits

2x on everything (1% at purchase + 1% on payment)
No annual fee
TYP transfer eligible with Strata Premier
Simple flat-rate earning

The Verdict

4/5

ByEllis Church·Mar 11, 2026

The simplest rewards card — 2% on everything, no categories, no thinking.

The Double Cash is the best card for people who refuse to think about credit card strategy. 2% on everything, no fee, no categories. It's the ultimate backup card and the right default for any spending that doesn't fall into a bonus category on another card. If you're building a Citi setup, pair it with a Strata Premier to turn that 2% into transferable points worth 1.5-2+ cents each.

Pros

Flat 2% back on every purchase (1% when you buy, 1% when you pay) is best-in-class for a no-fee card
No annual fee, no category tracking, no activation — pure simplicity
ThankYou Points transfer to airline partners when paired with a Strata Premier
No earning caps — 2% on $50,000 in spending is still $1,000/year

Cons

3% foreign transaction fee makes it expensive abroad
2% is competitive but not exceptional — category cards beat it in their specialty areas
Signup bonus is modest (20K points for $1,500 spend in 6 months)
Standalone TYP are worth only 1 cent each — needs a Strata Premier to unlock transfer value