Citi Double Cash Benefits, Credits & Annual Fee

• Citi Merchant OffersEnrollment required

  Save money at select merchants across shopping, dining, and travel categories through statement credits. Browse available offers in your Citi account, enroll in the ones you want, then complete the qualifying purchase to earn the credit. Each offer has its own terms, so check the details before purchasing.

  Checked May 20, 2026

Travel Benefits

• ThankYou Points Transferability to Travel Partners

  ThankYou Points can be transferred to airline and hotel loyalty programs for travel redemptions. On the Double Cash alone, transfers may occur at reduced ratios; pairing this card with a Citi Premier or Strata Elite card can unlock full 1:1 transfer rates to major partners.

  Checked May 20, 2026

Bonus Earnings

• 5% Cash Back on Hotels, Car Rentals, and Attractions via Citi Travel5%

  Earn a total of 5% cash back on hotels, car rentals, and attractions booked through the Citi Travel portal (additional 3% on top of 1% when you buy and 1% as you pay). Cash back is earned as ThankYou Points.

  Checked Sep 14, 2026
• Additional 3% Cash Back on Hotels, Car Rentals, and Attractions via Citi Travel3%

  Earn an additional 3% cash back on hotels, car rentals, and attractions booked through the Citi Travel portal, on top of the 1% buy and 1% pay (5% total). Does not include flights.

  Checked Sep 14, 2026
• 2% Flat-Rate Cash Back on All Purchases2%

  Earn 2% cash back on every purchase with no spending caps or category restrictions. The reward is split: 1% posts when you make a purchase, and the other 1% posts when you pay it off. You must pay at least the minimum due on time each month to earn the second 1%.

  Checked May 20, 2026

Purchase Protection

• $0 Liability on Unauthorized Charges

  You won't be held responsible for unauthorized charges made on your account. Report suspicious activity to Citi and any fraudulent charges will be covered. Standard account-in-good-standing conditions apply.

  Checked May 20, 2026
• 24-Month Extended Warranty

  Extends the manufacturer's warranty on eligible purchases made with your card. Coverage details and limits are in your Guide to Protection Benefits. Note that this is secondary coverage, underwritten by New Hampshire Insurance Company (an AIG company).

  Checked May 20, 2026
• Mastercard ID Theft ProtectionEnrollment required

  Mastercard monitors the personal information you choose to enroll and alerts you if suspicious activity is detected. Sign up for free through the Mastercard ID Theft Protection portal - monitoring starts as soon as you enroll. You choose which information to protect, so coverage depends on what you register.

  Checked May 20, 2026

Fees & Miscellaneous

• No Annual Fee$0 / yr

  There is no annual fee to carry the Citi Double Cash Card.

  Checked May 20, 2026
• 24-Hour Fraud Protection

  Citi monitors your account around the clock and contacts you if unusual activity is detected. If you get an alert, you can quickly confirm or dispute the charge directly with Citi. No setup is required - monitoring is automatic on all accounts.

  Checked May 20, 2026
• Citi Entertainment Access

  Get access to presale tickets and special experiences for concerts, sporting events, arts, and cultural events through the Citi Entertainment program. Use your Citi Double Cash Card to purchase tickets via the program's portal or partner channels. Availability varies by event and location.

  Checked May 20, 2026
• Foreign Transaction Fee

  This card charges a 3% foreign transaction fee on purchases processed in a foreign currency or outside the U.S. The fee applies whether you're traveling internationally or shopping online with a non-U.S. merchant, so it may not be the best choice for frequent international spending.

  Checked May 20, 2026
• Intro APR on Balance Transfers

  New cardholders get 0% APR on balance transfers for 18 months from account opening. After the intro period ends, a variable APR of 17.49%-27.49% applies to any remaining balance. Note that this offer does not extend to new purchases.

  Checked May 20, 2026
• Intro Balance Transfer Fee

  Balance transfers completed within the first 4 months of opening your account carry a reduced fee of 3% (minimum $5). After that 4-month window closes, the fee increases to the standard 5% (minimum $5) per transfer.

  Checked May 20, 2026
• Multiple Cash Back Redemption Options

  Redeem your earned ThankYou Points for cash back in three ways: as a statement credit applied to your account, as a direct deposit to any checking or savings account, or as a paper check mailed to you. All three options deliver the same dollar value.

  Checked May 20, 2026