Citi · Mastercard
Citi Double Cash® Card
Welcome bonus
Earn $200 cash back after spending $1,500 on purchases within the first 6 months of account opening. The bonus is fulfilled as 20,000 Citi ThankYou Points, redeemable for $200 cash back.
Our conservative value estimate: ~$200
- Annual fee
- $0
- Rewards
- Citi ThankYou Points
- Earn rates
- 2% All purchases (2% total: 1% when you buy + 1% as you pay) — 1% at purchase + 1% on payment; earned as ThankYou Points (1 point per $1 spent + 1 point per $1 paid), redeemable as cash back
- Foreign transaction fee
- 3%
- Purchase APR
- 19.24%–29.24% variable
- Typical credit
- Excellent (~720+), Good (~690–719)
- Issuer rules
- Citi 8/65 velocity rule: generally approved for only 1 new personal card every 8 days and no more than 2 personal cards in any 65-day period
- Citi 48-month rule: welcome bonus not available if you received a new-account bonus on the same card within the past 48 months
- ThankYou family rule: bonus eligibility is shared across Citi ThankYou-earning cards under the 48-month rule
View on Citi ↗Direct issuer link. No affiliate relationship yet.
Sources
Every value above is verified against these sources. Last checked 2026-07-23.
- Citi – Double Cash Card product page — annualFee · accessed 2026-07-23
- Citi – Double Cash Card product page (1% buy + 1% pay, ThankYou Points) — baseEarnRate · accessed 2026-07-23
- WalletHub – Citi Double Cash ($200 after $1,500 in 6 months) — signupBonus · accessed 2026-07-23
- NerdWallet – Citi Double Cash review (20,000 ThankYou Points / $200 bonus) — signupBonus · accessed 2026-07-23
- NerdWallet – purchase APR 19.24%–29.24% variable — apr · accessed 2026-07-23
- WalletHub – Citi Double Cash foreign transaction fee (3%) — foreignTransactionFeePct · accessed 2026-07-23
- AwardWallet – Citi 8/65 velocity and 48-month application rules — eligibility · accessed 2026-07-23
Related
Machine-readable: /api/cards/citi-double-cash