The Double Cash earns a flat 2% on every purchase, 1% when you buy and 1% when you pay, with no annual fee and no categories to track. That simplicity is why it ranks #3 on our Best Cash Back Credit Cards list with the Best Value badge. There is also 5% on hotels, car rentals, and attractions booked through the Citi Travel portal, and a $200 bonus after $1,500 in spending within 6 months. The 18 months of 0% intro APR on balance transfers is a useful extra if you are carrying debt, though purchases get no intro period. The catches are modest: the foreign transaction fee makes it a poor choice abroad, and category cards will beat 2% on dining or groceries if you are willing to juggle them. As a default card for everything that does not earn a bonus elsewhere, it is hard to improve on.
Earn rates & credits
| Category | Rate |
|---|---|
Travel (via Portal) Hotels, car rentals, and attractions booked through Citi Travel portal (2% base + 3% bonus) | 5% |
Everything Else 1% when you buy, 1% when you pay | 2% |
Card details
Regular APR | 18.24%–28.49% variable |
Intro APR on balance transfers | 0% for 18 months |
Foreign transaction fee | Yes |
Approval odds
Product changes
Where cardholders came from before landing on this card, and what they moved it to afterwards. Thicker flows carry a larger share of the changes in that direction.
Based on 21 reported product changes. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.