HomeCredit CardsCiti Credit CardsThe Citi® Double Cash Card review (2024) - The all-round cash back...

The Citi® Double Cash Card review (2024) – The all-round cash back card


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The Citi® Double Cash Card is a no-frills, no annual fee cash back card that doesn’t offer any big impressive benefits or headline-grabbing earning rates in a select spending category, but is still one of the very best cash back cards that you can hold. For the miles & points enthusiast as well as for someone just looking for a good cash back card, this is a card that offers a compelling proposition.

The Citi® Double Cash Card

a credit card with a chip and a chip

Annual fee

  • annual_fees

Welcome bonus

This card is not currently offering a welcome bonus.

Earning rate

  • 2% cash back on all purchases with no cap on earnings*

*The card pays 1% cash back when an eligible purchase appears on your monthly statement and further 1% cash back upon paying, a the very least, the minimum amount due on the statement.

Headline benefits

This card does not offer any notable benefits.

What’s so special about this card

Historic popularity 

The Citi® Double Cash Card has always been a popular card because it allows users to earn 2% back on purchases on spending in categories in which other credit cards don’t generally offer bonuses.

While spending in categories like dining, travel, gas, and groceries are easily covered by cards like the card_name (review), the card_name, and the card_name it’s hard to get more than 1 point/dollar (1.5%/dollar) on spending in a number of other popular shopping categories (big box stores, department stores, etc…) and that’s where the Citi® Double Cash card comes into play.

The big enhancements

Back in 2019, the Citi® Double Cash Card got a huge boost when Citi introduced one very important change to how the card’s cash back can be used.

Up to 21 September 2019, this was a pure cash back card in that the most that you could extract from it was 2% cash back.

From 22 September 2019, however, Citi allowed the cash back that the Citi® Double Cash Card earns to be converted to its ThankYou points currency when a cardholder also holds either the Citi Prestige® Card (no longer open to new applicants) or the card_name.

Then, on 28 March 2022, the Citi® Double Cash Card got even better:

  • The historic requirement to earn $25 cash back before the cash back can be claimed was removed.
  • The card started to earn ThankYou points rather than cash back (which meant that cardholders started to earn one ThankYou point when they made a purchase and one ThankYou point when they paid for that purchase).
  • ThankYou points earned by the Double Cash Card continued to be redeemable for cash back at the original rate (1 point = 1%) but the option to redeem them for other things like gift cards, flights, and hotels was also added.

The ThankYou Points earned by the Citi® Double Cash Card continue not to be transferable to most of the Thank You program’s transfer partners unless a cardholder also holds a premium ThankYou credit card, but transfers to JetBlue, Choice Privileges, and Wyndham Rewards are possible.

For those who hold a premium Citi ThankYou card as well as the Citi® Double Cash Card, the ThankYou Points earned by the Double Cash Card can be converted to any one of 16 airline loyalty currencies so, effectively, the Citi® Double Cash Card can earn 2 miles (or points) per dollar in any of the following airline loyalty programs:

  • Aeromexico – Club Premier
  • Air France/KLM Flying Blue
  • Avianca LifeMiles
  • Cathay Pacific Asia Miles
  • Etihad Guest
  • Emirates Skywards
  • Eva Air Infinity MileageLands
  • JetBlue TrueBlue
  • Qantas Frequent Flyer
  • Qatar Airways Privilege Club
  • Singapore Airlines KrisFlyer
  • Thai Airways Royal Orchid Plus
  • Turkish Airlines Miles & Smiles
  • Virgin Atlantic Flying Club

It can also earn 2 points/dollar in either of the following hotel loyalty programs:

  • Choice Privileges
  • Wyndham Rewards

I value Citi ThankYou points at 1.5 cents each (based on the value that I know I can get out of them without much effort) so when paired with a card_name, the Citi® Double Cash Card could be said to effectively earn a cardholder a rebate of 3% on all purchases.

A cardholder who transfers ThankYou Points to one or more of Citi’s airline partners, who’s prepared to put in a bit of work, and who exercises a bit of patience, can often extract considerably more than 1.5 cents out of each ThankYou point used (usually by booking premium cabin awards) and it’s this that makes the Citi® Double Cash Card’s earnings considerably more valuable than the headline 2% rate would suggest.

A great pairing

As I’ve already mentioned, as a standalone card the Citi® Double Cash Card is a great card to hold because it allows a cardholder to earn a minimum of 2% cash back wherever they shop, but, as I’ve also explained, the card gets even better if it’s paired with one of Citi’s more premium cards.

With that in mind, here are the earning rates a cardholder would have access to if they held the Citi® Double Cash Card alongside the card_name (which comes with a annual_fees annual fee):

  • 3 points/dollar – Dining
  • 3 points/dollar – Supermarkets
  • 3 points/dollar – Gas stations
  • 3 points/dollar – Air Travel & Hotels
  • 2% cash back or 2 points/dollar – Spending in all other categories

Based on my valuation of Citi ThankYou Points (1.5 cents each), the earning rates listed above represent effective rebates of between 3% and 4.5% on all of a cardholder’s spending. That’s fantastic for an annual outlay of just annual_fees.

Also, as the card_name gives cardholders a $100 rebate on a hotel stay costing a minimum of $500 (and booked through ThankYou.com), used wisely, the Citi® Double Cash Card/card_name pairing could pay for itself.

Bottom line

The Citi® Double Cash Card has always been a strong cash back card, but ever since Citi started to allow the cash back that it earns to be converted to ThankYou points, it has been one of the best cash back cards on the market.

On its own, this is a great card to hold, but when held alongside the card_name, it forms a fantastic credit card pairing.

Click here to find out how to apply

One Of The Best Amex Cards Around

a close-up of a credit cardThe card_name offers the best earnings rates for spending at US supermarkets and on dining out of any American Express Membership Rewards card, and it offers cardholders the opportunity to earn a variety of statement credits which can help offset the annual_fees annual fee (rates & fees).

Currently, if you successfully apply for the card_name, you can bonus_miles_full

The Great Benefits (terms apply & enrollment may be required)

  • Earn 4 points/dollar on up to $25,000 of eligible spending at U.S supermarkets per year (1 point/dollar thereafter)
  • Earn 4 points/dollar on dining, takeout (including Uber Eats) and delivery in the U.S.
  • Earn 3 points/dollar on flights booked directly with airlines or through Amex Travel
  • Get up to $10/month in dining credits (at select eateries)
  • Get $10/month in Uber Cash credits/Uber Eats credits in the U.S. (up to $120/year)*
  • Get a $100/year Hotel Collection credit (2 night stay required)

*The Gold card must be added to the Uber app to receive this benefit

Click for more details on the card_name

Regarding Comments

Responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser or any other advertiser. It is not the bank advertiser’s responsibility or any other advertiser’s responsibility to ensure all posts and/or questions are answered.

1 COMMENT

  1. I might switch from the BoA Cash Rewards to the Double Cash for online purchases. I get 3.3% on the Cash Rewards (with a checking account) and would get 2.22X with the Double Cash. As long as I transfer and redeem for at least 1.49cpp, it’s the better option.

    The DC won’t work for products that need a warranty, so I’ll need to keep the Cash Rewards category “Online” for those (I’d prefer Home Improvement). Maybe I can get Player 2 to open one?

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