Citi Double Cash
A flat 2% with nothing to activate, earned half on purchase and half on payment.
Vault Nerd estimate based on the card's tier and income requirements, not an official issuer cutoff. Approval also depends on income, debt, and credit history.
Reward rates
Hotels, car rentals and attractions booked through Citi Travel | 5% |
Every purchase: 1% when you buy, 1% as you pay | 2% |
Welcome bonus
$200 cash back after $1,500 of spending in the first 6 months.
Requirement: $1,500 in 6 months
Perks
- 0% intro APR on balance transfers for 18 months
- Good to excellent credit, roughly 690 and above
- Intro balance transfer fee 3% ($5 minimum) within the first 4 months, then 5% ($5 minimum)
- Cash back is earned as ThankYou Points
Frequently asked questions
Is the Citi Double Cash worth it?
It has no annual fee. It's best suited to a flat 2% with nothing to activate, earned half on purchase and half on payment. Whether it's worth it for you depends on your spending. Run your own numbers through our credit card finder to see the net rewards after the fee.
What does the Citi Double Cash earn?
It earns 5% on hotels, car rentals and attractions booked through citi travel and 2% on every purchase: 1% when you buy, 1% as you pay.
What credit score do you need for the Citi Double Cash?
We'd suggest a score of around 690 or higher, which puts approval in our "moderate" band. This is a Vault Nerd estimate based on the card's tier and stated requirements. Approval also depends on your income, existing debt and credit history.
Researching and writing about Canadian personal finance since 2026.
Last reviewed August 2026 · How we research
“Citi Double Cash Review.” Vault Nerd, https://www.vaultnerd.com/credit-cards/citi-double-cash, updated August 2026.
- Citi published product page and cardholder agreement