Citi Double Cash Card
The 2%-on-everything benchmark. Most of the time the honest answer to 'which card should I get' is a card like this one.
- Annual fee
- $0
- Structure
- Flat cash back, earned partly on purchase and partly on payment
- Why it's here
- It's the comparison every fee card has to beat
Fits
Anyone who wants a floor under every purchase without thinking about it.
Doesn't fit
People who genuinely maximise categories and redeem points for travel.
What changed on this card
Documented changes only. If we haven't verified it against the issuer's own terms, it isn't on this timeline.
- Better for you
Rewards converted from statement-credit cash back to Citi ThankYou points
The card still behaves like 2% cash back if you cash out. But paired with a Strata Premier account, the same spend becomes transferable points — which is the only scenario where it beats a plain 2% card.
What's the answer for this card?
What we checked
- 1Citi Double Cash Card — rewards terms
Citi — Published earn structure and the payment requirement for the second half.
- 2Issue spotlight: credit card rewards
Consumer Financial Protection Bureau — Federal analysis of how rewards, credits, and devaluations work in practice.