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Citi Double Cash card
No annual feeWhat a card charges each year to keep it open. Some cards waive it for the first year. Glossary

Citi Double Cash

PerkSensei Desk · Last updated

Wallet
Sensei slides a card into a wallet

Sensei's take

Typical welcome bonusBonus points, miles or cash a card gives new cardholders who spend a set amount within the first few months. Glossary: $200 cash back. No annual fee, and 2% cash back on everything. Keeper card

Credits and perks

Tick perks you won't use, or type what a perk is worth to you. The math updates either way.

  1. Protection and insurance

    1 perk$0 a year

    1. Extended warranty

      Details about Extended warranty
      a year
      Takes some planning

      It pays after any other cover you have. Citi's page gives no limits; check your Guide to Protection Benefits.

      citi.com

Misc.

3 perksNot in the totals

  1. 2% cash back on purchases (1% when you buy, 1% as you pay)

    Details about 2% cash back on purchases (1% when you buy, 1% as you pay)
    Not counted

    Paid as ThankYou pointsCiti's points. Some Citi cards, like Strata Premier, can move them to airline and hotel partners. Glossary. Citi says you must pay at least the minimum on time to earn it.

    citi.com

  2. 5% total on hotels, cars and attractions booked on Citi Travel

    Not counted

  3. Mastercard ID Theft Protection

    Details about Mastercard ID Theft Protection
    Not counted

    Free; enroll at mastercardidps.idprotectiononline.com.

    citi.com

Total if you use every unticked perk$0 a year

Bonus

Bonus
$200 cash bonus
To earn it
Spend $1,500 in 6 months
Annual fee
No annual fee
Credits
No statement credits
Apply by
No public end date stated

Card value

Card value

Year one
+$200
Each year after
+$0

Worth it, both years

Counts the perks you haven't skipped. ?PerkSensei estimateYear one: the sign-up bonus at its estimated value (points at the average of The Points Guy and Frequent Miler, travel cards valued for travel, cash at face, an "up to" bonus at its highest public offer), plus the yearly value of each perk you keep, minus the annual fee. Each year after leaves the bonus out. The fee is never estimated.

How we got this
Bonus, $200 ?PerkSensei estimate. Cash and statement credits count at face value.
$200
Credits you use, year one
$0
Annual fee
$0

After year oneOur estimate of a card's first year: the welcome offer's value plus the perks you'd use, minus the annual fee. Glossary: credits $0, no fee

Good time to apply?

We don't have enough dated public offersAn offer anyone can get by applying on the bank's own page, unlike targeted, referral or in-flight offers. Glossary from the last 5 years to judge today's offer yet. Months we have no data for show as No data.

Today
$200
$1,500 spend in 6 months

Sign-up bonus dollars, last 5 years up to today

$0$1kNo public offerToday $20020222023202420252026
$0$1kToday $20020222023202420252026

Spend needed to earn the bonus

$1.5k$1.5k
$1.5k$1.5k

$1.5k spend

Public sign-up offers, Nov 2021–Oct 2026
WhenBonusSpendFirst-year fee
Nov 2021–Nov 2022$200$1,500 spendWaived
Nov 2022–Nov 2023No public offer
Nov 2023–Oct 2026 (today)$200$1,500 spend in 6 months
Sources (2)
US Credit Card Guide: offer historyuscreditcardguide.comThird-party sourceChecked Oct 27, 2026
AwardWallet: offer historyawardwallet.comThird-party sourceChecked Oct 27, 2026

Third-party report; not confirmed in the official offer terms we could retrieve. Details may be outdated or channel-specific. Verify the offer shown by the issuer before applying.

Public offers anyone could apply for, Nov 2021–Oct 2026. TargetedAn offer the bank sends only to some people. If it isn't in your account, app or mail, you can't get it. Glossary and referral offers aren't shown.

Biggest catches

  • A fee on purchases abroad

    Citi's pricing lists a fee on foreign purchases, a percentage of each one, so use a card without foreign fees when you travel. citi.com

  • Citi limits how fast you can apply

    Frequent Miler and One Mile at a Time report Citi approves at most one new card every 8 days and two every 65 days. Space this card away from other Citi applications. frequentmiler.com (third-party)

Some catches are unwritten rules: reported by people who applied, not stated in the official offer terms we could retrieve. They can change or vary by how you apply. Check the issuer's offer before applying.

Results vary: approval and bonus eligibility are the issuer's decision.

Sensei's moves

  1. Pair it with a Strata card to transfer

    On their own, Double Cash points transfer to airlines at a lower rate. Hold a Strata Premier or Strata Elite too, pool the points there, and they transfer at the full rate.

    Still works as of Oct 26, 2026 · onemileatatime.com (third-party)

Third-party report; not confirmed in the official offer terms we could retrieve. Details may be outdated or channel-specific. Verify the offer shown by the issuer before applying.

Terms and eligibility can change. Confirm the details with the issuer before you apply.

Weighing this card? Put it before the Money Court jury

Sources

Citi Double Cash Credit Card, offer box on the product page (Oct 26, 2026)citi.comOfficial sourceChecked Oct 26, 2026
Citi Double Cash Credit Card, official product page (Oct 26, 2026)citi.comOfficial sourceChecked Oct 26, 2026
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