Citi · Cash back · Mastercard
Citi Double Cash: what it's really worth
The Citi Double Cash has a no annual fee. For a typical household spending $2,070 a month, it's worth about $697 in year one and $497 each year after.
Annual fee$0
Sign-up bonus$200$200 after $1,500 in 6 mo
Net value · year 1$697
Net value · each year after$497
Is the annual fee worth it?
No annual fee — nothing to lose by keeping it open, which also helps your credit history.
How you earn
| Category | Rate | Value per $1 | Per year* |
|---|---|---|---|
| Dining | 2% | 2.0¢ | $72 |
| Groceries | 2% | 2.0¢ | $120 |
| Hotels | 2% | 2.0¢ | $19 |
| Flights | 2% | 2.0¢ | $24 |
| Gas | 2% | 2.0¢ | $36 |
| Streaming | 2% | 2.0¢ | $10 |
| Everything else | 2% | 2.0¢ | $216 |
*At typical monthly spending: dining $300, groceries $500, hotels $80, flights $100, gas $150, streaming $40, everything else $900. 1% when you buy plus 1% when you pay. 0% intro APR on balance transfers for 18 months (not purchases).
Who it's for
- Flat 2% back
- Moving a balance — 0% on transfers for 18 months
- Not ideal: New purchases you want to pay off slowly — no 0% on purchases
Can I get it?
- Recommended credit: Good
- Citi rules: One welcome bonus per card family every 48 months. Citi also limits how often you can apply (about 1 card per 8 days, 2 per 65 days).
- Mastercard: Accepted almost everywhere — but not at Costco warehouses (Visa only).
Check the current offer at Citi
Similar cards
Chase Freedom Unlimited$627 year 1 · $0 feeWells Fargo Active Cash$697 year 1 · $0 feeCapital One Savor Cash Rewards$650 year 1 · $0 feeCapital One Quicksilver$573 year 1 · $0 fee
Updated Oct 30, 2026.