5 Valuable Benefits of the Citi Double Cash Card

Benefits of the Citi Double Cash Card

Its primary feature is a high flat rewards rate, but it also offers flexible redemption and a lengthy intro APR offer on balance transfers.

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Updated Feb 3, 2026 1:52 p.m. PST Written by Senior Writer/Spokesperson + more + more Edited by Managing Editor + more + more SOME CARD INFO MAY BE OUTDATED

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The Citi Double Cash® Card is a standout in the crowded field of cash-back credit cards thanks to its high rewards rate on every purchase and its annual fee of $0. Citi Double Cash® Card $0

NerdWallet rating Apply now Apply now Read Review For consumers who want to maximize rewards while keeping things simple, there’s a lot to love about the card. Here are the benefits of the Citi Double Cash® Card: Citi Double Cash® Card

High cash-back rate

The key feature of this card is its high flat rate of 2% back on everything you buy: You'll earn 1% back when you make purchases and 1% back when you pay them off, as long as you make at least the minimum payment on time each month. Among its competitors in the rewards space, 1.5% cash back is more typical, so the card differentiates itself with this higher rate.

Simplicity of rewards

If you’re the kind of person who doesn’t want to think about rotating categories or opting in to different reward options each quarter, the Citi Double Cash® Card could be the card for you, since you earn a high flat rate back on every purchase without having to take any extra steps. Citi Double Cash® Card

Attractive intro balance transfer offer

The Citi Double Cash® Card provides a 0% intro APR on balance transfers for 18 months, and then the ongoing APR of 17.49%-27.49% Variable APR. While you don’t earn cash back on transferred balances, moving an existing balance onto the card can help you avoid accumulating more debt at a high interest rate while you pay it off. Citi Double Cash® Card 0% intro APR on balance transfers for 18 months, and then the ongoing APR of 17.49%-27.49% Variable APR

Redemption flexibility

The Citi Double Cash® Card earns Citi ThankYou points, which may be redeemed for a statement credit; check or direct deposit into a linked Citi savings or checking account; or another checking account that you’ve used at least twice to pay a Citi credit card bill. Citi Double Cash® Card You can also transfer your points to multiple Citi travel partners, although transfer ratios will vary and may not be ideal. Full list of Citi transfer partners Transfer ratios will vary depending on which card you have. Transfer ratios will vary depending on which card you have. Airlines Airlines Aeromexico (1:1 or 1:0.7 ratio). American Airlines (1:1 or 1:0.7 ratio). Air France/KLM (1:1 or 1:0.7 ratio). Asia Miles (1:1 or 1:0.7 ratio). Avianca (1:1 or 1:0.7 ratio). Emirates (1:0.8 or 1:0.56 ratio). Etihad (1:1 or 1:0.7 ratio). Eva Air (1:1 or 1:0.7 ratio). JetBlue (1:1 or 1:0.7 ratio). Qantas (1:1 or 1:0.7 ratio). Qatar Airways (1:1 or 1:0.7 ratio). Singapore Airlines (1:1 or 1:0.7 ratio). Thai Airways (1:1 or 1:0.7 ratio). Turkish Airlines (1:1 or 1:0.7 ratio). Virgin Atlantic (1:1 or 1:0.7 ratio). Hotels Hotels Accor Live Limitless (2:1 or 2:0.7 ratio). Choice Hotels (1:2 or 1:1.4 ratio). The Leading Hotels of the World (5:1 or 5:0.7 ratio). Preferred Hotels & Resorts (1:4 or 1:2.8 ratio). Wyndham (1:1 or 1:0.7 ratio). Events Events Virgin Red (1:1 or 1:0.7 ratio).

Citi Entertainment feature

The Citi Double Cash® Card grants you special access to presale tickets and exclusive experiences for eligible concerts, sporting events, dining and more. Citi Double Cash® Card » MORE: What is Citi Entertainment? » MORE: Article sources NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines. About the author Kimberly Palmer Kimberly is a personal finance expert at NerdWallet. She has been featured on the "Today" show and in The New York Times. See full bio. Helpful resources Best Cash Back Credit Cards Best Travel Credit Cards Best Balance Transfer Credit Cards

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