Credit Cards review · Updated October 2026

Citi Double Cash® Card Review (2026)

Earn on purchases and again when you pay.

Reviewed by our editorial team · How we rank · Advertising disclosure

The short version

Pays the same rate on everything, with nothing to activate. On our credit card comparison, it's labeled Best flat-rate cash back.

Key facts

Annual fee$0
RewardsCash back
NetworkMastercard

What stands out

  • No annual fee
  • Earns 1% when you buy and 1% as you pay
  • Balance transfer offer for new cardholders

Pros and cons

Pros

  • Simple flat rate
  • No categories to track

Cons

  • Foreign transaction fee

How Citi Double Cash® Card compares

Side-by-side comparison

Chase Freedom Unlimited®
Citi Double Cash® Card
Capital One Venture Rewards
Annual fee$0$0$95
RewardsCash backCash backTravel miles
NetworkVisaMastercardVisa
Visit siteVisit siteVisit site

Head-to-head comparisons

Alternatives to consider

What to check before you sign up

Whichever credit card provider you choose, compare these points:

  • Ongoing and intro APR. The ongoing APR applies once any intro period ends. If you carry a balance, it matters more than any reward.
  • How rewards are earned. Flat-rate cards pay the same on everything. Category cards pay more in rotating or fixed categories and less elsewhere.
  • Whether the fee pays for itself. Add up the credits and rewards you will realistically use. If they do not beat the fee, a no-fee card wins.
  • Balance transfer cost. Most transfers carry a one-time fee. Compare it with the interest you would save during the 0% window.

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