The Credit Ledger Card review
Citi Double Cash Card review
Citi · Mastercard
Best flat-rate 2% cash back with a long balance-transfer offer
| Annual fee | No annual fee |
|---|---|
| Welcome bonus | $200 cash back after $1,500 spend in 6 months |
| Rewards rate | Up to 2% |
| Intro APR (purchases) | None |
| Intro APR (balance transfers) | 0% intro APR for 18 months on balance transfers (complete within 4 months of opening) |
| Regular APR | 17.49% to 27.49% variable |
| Foreign transaction fee | 3% |
| Recommended credit | Good to Excellent (690-850) |
Rewards
- 2% Every purchase (1% when you buy plus 1% when you pay)
- 5% Hotels, car rentals, and attractions via Citi Travel
Key perks
- Unlimited 2% cash back with no rotating categories or enrollment
- Rewards earned as ThankYou Points, redeemable for cash or transfer
- Access to Citi Travel portal for elevated earning
- No annual fee
Pros
- Strong flat 2% return on all spending with no category tracking
- No annual fee
- Long 18-month 0% intro APR on balance transfers
- Modest $1,500 spend for the welcome bonus
Cons
- No 0% intro APR on purchases
- 3% foreign transaction fee makes it poor for international travel
- Second 1% is only earned after you pay your bill
- Balance transfer fee of 3% intro, then 5%
The bottom line
Citi Double Cash Card scores 4.1 out of 5 in our rubric. Best flat-rate 2% cash back with a long balance-transfer offer. Current welcome offer: $200 cash back after $1,500 spend in 6 months.
Rates and offers verified 2026-07. Terms change often, so confirm the current details on the issuer's site before you apply.