Citi
Citi Double Cash
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Card review
Citi Double Cash
Citi
Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$0
Welcome bonus
20,000 ThankYou points
Est. net value
$767/yr
Credit score
Fair
Top earn rate
2% dining
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Citi Double Cash from Citi carries no annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $766.80 in rewards plus $0.00 in credits and perks — $766.80 net per year before welcome bonuses.
How the points work
2% on every purchase: 1% when you buy + 1% when you pay
Rewards post to thankyou points.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| DiningDining | 2% |
| TravelTravel | 2% |
| TravelFlights | 2% |
| TravelHotels | 2% |
| GroceriesGroceries | 2% |
| GasGas & Transit | 2% |
| EntertainmentStreaming | 2% |
| Everything elseShopping | 2% |
| Everything elseOther | 2% |
Welcome offer
20,000 ThankYou points
- Spend $1,500 in 180 days
- Est. value: $2 (WalletFlo catalog)
Transfer partners
Where this card's points can go, and at what ratio. 13 partners.
- Air France KLM Flying Blue1:1
- Avianca LifeMiles1:1
- Cathay Asia Miles1:1
- Emirates Skywards1:1
- Etihad Guest1:1
- JetBlue TrueBlue1:1
- Qatar Privilege Club1:1
- Singapore KrisFlyer1:1
- Turkish Miles&Smiles1:1
- Virgin Atlantic Flying Club1:1
- Aeromexico Rewards1:1
- Choice Privileges1:1
- Wyndham Rewards1:1
Work out what a transfer is worth in the transfer calculator.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
This card has no annual fee
Focus on whether the earn rates and welcome offer beat cards you already carry — use the reward calculator below for net value on your spend.
WalletFlo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Side by Side Compare
Compare against another card with the same spend profile.
Is the Annual Fee Worth it?
Confirm net value on a no-annual-fee card.
Points & Miles → $ Converter
Convert thankyou points points to dollar value.
Awards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Transfer Partner Calculator
Model transfer ratios to airline and hotel partners.
Reward calculator
Model this card on your spend — adjust categories and compare with others.
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Frequently asked questions
- What credit score do I need?
- We flag 580+ as a typical starting point — issuer approval depends on your full profile.
- Is the annual fee worth it?
- There's no annual fee — focus on whether the earn rates beat cards you already carry.