Citi Double Cash

Earn 20,000 ThankYou Points — redeemable for $200 in cash back — after spending $1,500 on purchases within the first 6 months of account opening. The bonus is deposited as ThankYou Points and can also be used for travel, gift cards, or other redemptions.

Earn 5% total cash back on hotels, car rentals, and attractions when you book through the Citi Travel portal. This combines your standard 2% (1% on purchase + 1% on payment) with an extra 3% for portal bookings. Only travel booked directly through the Citi Travel portal qualifies for the bonus rate.

Earn 3 bonus ThankYou Points per $1 on flights and hotels booked through the Citi Travel portal. Combined with the standard earn rate, this adds up to a higher total on travel bookings. You need to book directly through the portal — not the travel provider's own site — to qualify.

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%.

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.

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.

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.

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).

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.

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.

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.

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.

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.

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.

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

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.