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2% cash back on every purchase — no categories, no caps, no annual fee
Earn unlimited 2% cash back on all purchases with a simple split structure: 1% when you buy, 1% when you pay. Plus 5% total on hotels, car rentals, and attractions through Citi Travel. Combine with a Citi Strata Premier to unlock airline and hotel transfer partners.
$0
Annual Fee
200
ThankYou Points · Welcome Bonus
5X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Network
Mastercard Standard
Rewards Currency
Cash
Point Valuation
1.3–1.6 cpp (mid: 1.5)
Credit Required
Good
Bonus: 200 ThankYou Points
Spend: $1,500
Period: 6 months
Benefits & Perks
Program & Transfers
Exclusive access to American Airlines awards
Citi ThankYou Points offer a unique position in the transferable currency landscape as the only program with American Airlines as a transfer partner. With 15 airline partners spanning all three major alliances and 5 hotel programs, ThankYou Points provide solid flexibility for award travel. The program requires a premium card (Strata Premier, Strata Elite, or Prestige) to unlock full 1:1 transfer ratios. Other ThankYou-earning cards receive reduced 0.7:1 ratios, making the premium cards essential for maximizing value. Transfers are instant to most partners, with a 1,000-point minimum in 1,000-point increments. While Citi offers fewer transfer bonuses than competitors, the exclusive American Airlines partnership and strong Star Alliance coverage make ThankYou Points valuable for specific redemption strategies, particularly for travelers based near American Airlines hubs.
Reviews & Analysis
Details & Terms
| Rule | Details |
|---|---|
| 48 From Bonus | You will not be eligible for a signup bonus on the same card if you’ve received one for THAT card in the previous 48 months. |
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| Citi 2/65 | You'll be declined if you apply for a third Citi card within 65 days |
| Citi 1/8 | You'll be declined if you apply for a second Citi card (business and/or personal) within 8 days |
| Citi 6/6 | You'll be declined if there are 6 or more hard inquiries on your credit report the past 6 months |
| Citi 5 Day Rule | You may be rejected when applying for a Citi credit card if your credit has been pulled within the last five days (by any bank). |
| Purchase APR | 17.49%–27.49% (Variable) |
| Cash Advance APR | 29.74% (Variable) |
| Foreign Transaction Fee |
2% cash back on every purchase — no categories, no caps, no annual fee
Earn unlimited 2% cash back on all purchases with a simple split structure: 1% when you buy, 1% when you pay. Plus 5% total on hotels, car rentals, and attractions through Citi Travel. Combine with a Citi Strata Premier to unlock airline and hotel transfer partners.
$0
Annual Fee
200
ThankYou Points · Welcome Bonus
5X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Network
Mastercard Standard
Rewards Currency
Cash
Point Valuation
1.3–1.6 cpp (mid: 1.5)
Credit Required
Good
Bonus: 200 ThankYou Points
Spend: $1,500
Period: 6 months
Benefits & Perks
Program & Transfers
Exclusive access to American Airlines awards
Citi ThankYou Points offer a unique position in the transferable currency landscape as the only program with American Airlines as a transfer partner. With 15 airline partners spanning all three major alliances and 5 hotel programs, ThankYou Points provide solid flexibility for award travel. The program requires a premium card (Strata Premier, Strata Elite, or Prestige) to unlock full 1:1 transfer ratios. Other ThankYou-earning cards receive reduced 0.7:1 ratios, making the premium cards essential for maximizing value. Transfers are instant to most partners, with a 1,000-point minimum in 1,000-point increments. While Citi offers fewer transfer bonuses than competitors, the exclusive American Airlines partnership and strong Star Alliance coverage make ThankYou Points valuable for specific redemption strategies, particularly for travelers based near American Airlines hubs.
Reviews & Analysis
Details & Terms
| Rule | Details |
|---|---|
| 48 From Bonus | You will not be eligible for a signup bonus on the same card if you’ve received one for THAT card in the previous 48 months. |
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| Citi 2/65 | You'll be declined if you apply for a third Citi card within 65 days |
| Citi 1/8 | You'll be declined if you apply for a second Citi card (business and/or personal) within 8 days |
| Citi 6/6 | You'll be declined if there are 6 or more hard inquiries on your credit report the past 6 months |
| Citi 5 Day Rule | You may be rejected when applying for a Citi credit card if your credit has been pulled within the last five days (by any bank). |
| Purchase APR | 17.49%–27.49% (Variable) |
| Cash Advance APR | 29.74% (Variable) |
| Foreign Transaction Fee |
2% cash back on every purchase — no categories, no caps, no annual fee
Earn unlimited 2% cash back on all purchases with a simple split structure: 1% when you buy, 1% when you pay. Plus 5% total on hotels, car rentals, and attractions through Citi Travel. Combine with a Citi Strata Premier to unlock airline and hotel transfer partners.
$0
Annual Fee
200
ThankYou Points · Welcome Bonus
5X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%
Network
Mastercard Standard
Rewards Currency
Cash
Point Valuation
1.3–1.6 cpp (mid: 1.5)
Credit Required
Good
Bonus: 200 ThankYou Points
Spend: $1,500
Period: 6 months
Benefits & Perks
Program & Transfers
Exclusive access to American Airlines awards
Citi ThankYou Points offer a unique position in the transferable currency landscape as the only program with American Airlines as a transfer partner. With 15 airline partners spanning all three major alliances and 5 hotel programs, ThankYou Points provide solid flexibility for award travel. The program requires a premium card (Strata Premier, Strata Elite, or Prestige) to unlock full 1:1 transfer ratios. Other ThankYou-earning cards receive reduced 0.7:1 ratios, making the premium cards essential for maximizing value. Transfers are instant to most partners, with a 1,000-point minimum in 1,000-point increments. While Citi offers fewer transfer bonuses than competitors, the exclusive American Airlines partnership and strong Star Alliance coverage make ThankYou Points valuable for specific redemption strategies, particularly for travelers based near American Airlines hubs.
Reviews & Analysis
Details & Terms
| Rule | Details |
|---|---|
| 48 From Bonus | You will not be eligible for a signup bonus on the same card if you’ve received one for THAT card in the previous 48 months. |
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| Citi 2/65 | You'll be declined if you apply for a third Citi card within 65 days |
| Citi 1/8 | You'll be declined if you apply for a second Citi card (business and/or personal) within 8 days |
| Citi 6/6 | You'll be declined if there are 6 or more hard inquiries on your credit report the past 6 months |
| Citi 5 Day Rule | You may be rejected when applying for a Citi credit card if your credit has been pulled within the last five days (by any bank). |
| Purchase APR | 17.49%–27.49% (Variable) |
| Cash Advance APR | 29.74% (Variable) |
| Foreign Transaction Fee |
Combined Protection Value
$100
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
See your FICO credit score updated monthly through your Citi account or mobile app at no cost.
Get instant alerts for suspicious activity and pay nothing for unauthorized charges when reported promptly.
Get expert assistance to resolve identity theft problems if your personal information is compromised or stolen.
Cancel and replace your card fast with 24/7 emergency assistance available worldwide for your protection.
Generate temporary card numbers for online purchases to keep your real number private and secure.
Transfer your ThankYou Points to 22 leading loyalty programs for maximum value.
Most partners accept ThankYou Points at a 1:1 ratio with instant or near-instant transfers.
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | — | — | |
| 1:1 | instant | — | — | |
| 1:1 | instant | — | 1.3 cpp | |
| 1:1 | instant | — | — | |
| 1:1 | instant | — | — | |
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Domestic US in Economy | 4,600 | — | economy | united_states |
| Domestic US in Economy on American | 5,000 | — | economy | united_states |
| US to Europe in Economy | 6,000 | — | economy | europe |
| Carribean | 7,100 | — | — | — |
| US to South America in Economy | 7,100 | — | economy | south_america |
| Intra-Europe in Economy | 7,500 | — | economy | europe |
| Domestic US in Economy on a Partner | 7,500 | — | economy | united_states |
| Intra-Europe in Business | 8,000 | — | business | europe |
| US to Mexico in Economy on a Partner | 11,500 | — | economy | central_america |
| The Setai Hotel Miami Beach | 15,000 | — | — | united_states |
| Domestic US in First Class | 16,500 | — | first | united_states |
| Fifth Avenue Hotel | 16,500 | — | — | united_states |
| US to Iceland in Economy on a Partner | 17,000 | — | economy | europe |
| US to Hawaii in Economy | 20,000 | — | economy | united_states |
| US to Hawaii in Economy on a Partner | 20,500 | — | economy | united_states |
| Domestic US in Business | 22,000 | — | business | united_states |
| US to South America in Business | 22,500 | — | business | south_america |
| US to Japan in Economy | 25,000 | — | economy | asia |
| US to Northern Africa in Economy | 25,000 | — | economy | africa |
| US to Mexico in Business on a Partner | 30,000 | — | business | central_america |
Showing top 20 of 50 sweet spots
The Citi Double Cash is the benchmark flat-rate cash back card. Its 2% earn rate matches the Wells Fargo Active Cash and PayPal Cashback Mastercard, but the split earning structure (1% buy + 1% pay) means you must pay your bill to earn the full 2%. The real upside: ThankYou Points can transfer to airline partners when paired with a Citi Strata Premier, potentially worth more than 2 cents per dollar.
Skip this card if you're serious about travel rewards. The Citi Double Cash lacks the valuable points structure and transfer flexibility needed for discounted travel experiences that other cards readily provide without much additional effort.
Skip this card if you're serious about travel rewards. The Citi Double Cash doesn't provide the valuable points or transfer options needed for discounted travel, which is likely why you're reading this site. Although it offers hassle-free earning with no annual fee, the modest welcome bonus and cash back structure pale in comparison to what dedicated travel cards provide. Your travel aspirations deserve a card specifically designed to maximize flight and hotel redemptions through valuable transfer partners and elevated earning rates.
The Citi Double Cash offers a straightforward approach to earning rewards without complexity. Here's what makes it worth considering:
- **No annual fee** \- You won't pay anything to keep this card in your wallet
- **$200 welcome bonus** \- Earn this cash back after spending $1,500 in the first 6 months
- **Consistent 2% rewards rate** \- Earn 1% when you make purchases and another 1% when you pay your bill, with no category restrictions or spending caps
The card also provides 5% back when you book travel through the Citi Travel portal, adding extra value for occasional travelers. Your rewards flexibility is another advantage, as you can redeem them through multiple options:
- Direct deposit to your bank account
- Statement credit toward your balance
- Check by mail
- Travel bookings through the Citi portal
For strategic cardholders, the Double Cash becomes more valuable when paired with the Citi Strata Premier or Citi Strata Elite card. This combination allows you to transfer your Double Cash rewards to one of the Strata cards, accessing access to airline and hotel transfer partners, where points can potentially deliver their maximum value.
The main exception: This card might not be good if you want genuine travel rewards. While you can use your cash back to book travel through their portal, numerous better options exist.
**Citi points are increasing in value with the addition of American Airlines as a transfer partner, though limited partner-transfer cards still hold them back.**
- Only the Strata Premier and Strata Elite are worth it; they’re the only Citi cards with transferable miles to all partners and a 60k–80k point signup bonus.
- You can combine cash back points from other Citi cards with Strata Premier or Elite and then transfer to partners, but none of the cash back cards offer strong bonuses.
- Citi has expanded its transfer partner network, adding several high-value options it once lacked.
- Points are flexible with many airline partners, and Citi is the only credit card system that transfers to American Airlines.
The Citi Double Cash should be considered alongside four other Citi rewards credit cards to understand its relative value in the Citi ecosystem.
**Citi Strata Elite**
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
| 3% |
| Authorized User Fee | $0 |
Yes. ThankYou points are Citi’s rewards currency. You can redeem them for cash back at 1 cent per point, but if you have a card that earns transferable points, you can move them to an airline or hotel partner and redeem them for much more value.
They can be. Cash or statement credit redemptions give you 1¢ per point. Transferring points to an airline or hotel partner can unlock redemptions worth twice that amount or more, especially when you take advantage of partner sweet spots.
Yes. You can book flights through the Citi Travel Portal, but that’s usually poor value. If your card allows transfers, moving points to an airline partner typically gives you a much better return than booking through the portal at a simple 1:1 rate.
Yes. You can redeem points for a statement credit to help pay your bill. We only recommend this if you can’t pay your balance in full and would otherwise incur interest. Otherwise, transferring to an airline or hotel partner will give you better value.
Transferring to airline partners typically provides 1.5-2.5 cents per point in value, while the Citi Travel portal gives a flat 1 cent per point. Transfer to partners when booking premium cabin flights or finding sweet spot awards. Use the portal for simple domestic bookings where partner awards don't offer meaningful savings.
Only the Citi Strata Premier ($95/year), Citi Strata Elite ($595/year), and Citi Prestige ($495/year, no longer available to new applicants) unlock 1:1 transfer ratios. Other ThankYou-earning cards like the Double Cash, Custom Cash, and Strata transfer at a reduced 0.7:1 ratio.
Yes. You can combine all ThankYou points into one account, either on the ThankYou website or by calling. If you combine points into a Strata Premier, Strata Elite, or Prestige account, all combined points unlock 1:1 transfer ratios to airline and hotel partners.
No, ThankYou points do not expire as long as your account is open and in good standing. However, if you transfer points to another ThankYou member (up to 100,000 per calendar year), the received points expire 90 days after transfer.
The Citi quadfecta maximizes earning across categories: Strata Premier (3x dining, gas, groceries, airfare, hotels), Strata card (3x transit + 3x self-select category), Custom Cash (5x on top category up to $500/month), and Double Cash (2x on everything). All points pool to the premium card for 1:1 transfers at minimal annual fees.
Citi periodically offers transfer bonuses of 15-30% to select airline and hotel partners. These are limited-time promotions that give you extra miles or points when transferring. Common bonus partners include Air France-KLM Flying Blue, Avianca LifeMiles, Virgin Atlantic Flying Club, and Wyndham Rewards.
Comprehensive review covering the card's 2% cash back structure, balance transfer offer, and suitability for everyday spending without annual fees.
US News rating and analysis of the Double Cash card's flat 2% rewards and 0% intro APR on balance transfers for qualified buyers.
NerdWallet guide detailing the card's primary benefits including the 2% cash back and balance transfer offer features.
WalletHub analysis of the card's drawbacks including high APR and foreign transaction fees alongside its advantages.
CreditCards.com's guide exploring all benefits including the flat cash back, balance transfer offer, and redemption options through Citi ThankYou Points.
Credit Karma tips for maximizing the card's value including sign-up bonus strategy, redemption options, and balance transfer management.
The Points Guy comprehensive review covering the card's 2% flat-rate earning, redemption options, and ThankYou Points flexibility.
NerdWallet comparison of the Double Cash flat 2% structure versus the Custom Cash's category bonuses and flexibility.
WalletHub Q&A addressing alternative cards like Chase Freedom Unlimited and Wells Fargo Active Cash for consumers seeking different reward structures.
CNN Underscored's comprehensive evaluation of the card's straightforward earning structure and comparison to competing cash-back options.
CNBC Select expert recommendation of the Double Cash as the simplest no-annual-fee card, detailing its benefits and redemption flexibility.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
Combined Protection Value
$100
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
See your FICO credit score updated monthly through your Citi account or mobile app at no cost.
Get instant alerts for suspicious activity and pay nothing for unauthorized charges when reported promptly.
Get expert assistance to resolve identity theft problems if your personal information is compromised or stolen.
Cancel and replace your card fast with 24/7 emergency assistance available worldwide for your protection.
Generate temporary card numbers for online purchases to keep your real number private and secure.
Transfer your ThankYou Points to 22 leading loyalty programs for maximum value.
Most partners accept ThankYou Points at a 1:1 ratio with instant or near-instant transfers.
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | — | — | |
| 1:1 | instant | — | — | |
| 1:1 | instant | — | 1.3 cpp | |
| 1:1 | instant | — | — | |
| 1:1 | instant | — | — | |
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Domestic US in Economy | 4,600 | — | economy | united_states |
| Domestic US in Economy on American | 5,000 | — | economy | united_states |
| US to Europe in Economy | 6,000 | — | economy | europe |
| Carribean | 7,100 | — | — | — |
| US to South America in Economy | 7,100 | — | economy | south_america |
| Intra-Europe in Economy | 7,500 | — | economy | europe |
| Domestic US in Economy on a Partner | 7,500 | — | economy | united_states |
| Intra-Europe in Business | 8,000 | — | business | europe |
| US to Mexico in Economy on a Partner | 11,500 | — | economy | central_america |
| The Setai Hotel Miami Beach | 15,000 | — | — | united_states |
| Domestic US in First Class | 16,500 | — | first | united_states |
| Fifth Avenue Hotel | 16,500 | — | — | united_states |
| US to Iceland in Economy on a Partner | 17,000 | — | economy | europe |
| US to Hawaii in Economy | 20,000 | — | economy | united_states |
| US to Hawaii in Economy on a Partner | 20,500 | — | economy | united_states |
| Domestic US in Business | 22,000 | — | business | united_states |
| US to South America in Business | 22,500 | — | business | south_america |
| US to Japan in Economy | 25,000 | — | economy | asia |
| US to Northern Africa in Economy | 25,000 | — | economy | africa |
| US to Mexico in Business on a Partner | 30,000 | — | business | central_america |
Showing top 20 of 50 sweet spots
The Citi Double Cash is the benchmark flat-rate cash back card. Its 2% earn rate matches the Wells Fargo Active Cash and PayPal Cashback Mastercard, but the split earning structure (1% buy + 1% pay) means you must pay your bill to earn the full 2%. The real upside: ThankYou Points can transfer to airline partners when paired with a Citi Strata Premier, potentially worth more than 2 cents per dollar.
Skip this card if you're serious about travel rewards. The Citi Double Cash lacks the valuable points structure and transfer flexibility needed for discounted travel experiences that other cards readily provide without much additional effort.
Skip this card if you're serious about travel rewards. The Citi Double Cash doesn't provide the valuable points or transfer options needed for discounted travel, which is likely why you're reading this site. Although it offers hassle-free earning with no annual fee, the modest welcome bonus and cash back structure pale in comparison to what dedicated travel cards provide. Your travel aspirations deserve a card specifically designed to maximize flight and hotel redemptions through valuable transfer partners and elevated earning rates.
The Citi Double Cash offers a straightforward approach to earning rewards without complexity. Here's what makes it worth considering:
- **No annual fee** \- You won't pay anything to keep this card in your wallet
- **$200 welcome bonus** \- Earn this cash back after spending $1,500 in the first 6 months
- **Consistent 2% rewards rate** \- Earn 1% when you make purchases and another 1% when you pay your bill, with no category restrictions or spending caps
The card also provides 5% back when you book travel through the Citi Travel portal, adding extra value for occasional travelers. Your rewards flexibility is another advantage, as you can redeem them through multiple options:
- Direct deposit to your bank account
- Statement credit toward your balance
- Check by mail
- Travel bookings through the Citi portal
For strategic cardholders, the Double Cash becomes more valuable when paired with the Citi Strata Premier or Citi Strata Elite card. This combination allows you to transfer your Double Cash rewards to one of the Strata cards, accessing access to airline and hotel transfer partners, where points can potentially deliver their maximum value.
The main exception: This card might not be good if you want genuine travel rewards. While you can use your cash back to book travel through their portal, numerous better options exist.
**Citi points are increasing in value with the addition of American Airlines as a transfer partner, though limited partner-transfer cards still hold them back.**
- Only the Strata Premier and Strata Elite are worth it; they’re the only Citi cards with transferable miles to all partners and a 60k–80k point signup bonus.
- You can combine cash back points from other Citi cards with Strata Premier or Elite and then transfer to partners, but none of the cash back cards offer strong bonuses.
- Citi has expanded its transfer partner network, adding several high-value options it once lacked.
- Points are flexible with many airline partners, and Citi is the only credit card system that transfers to American Airlines.
The Citi Double Cash should be considered alongside four other Citi rewards credit cards to understand its relative value in the Citi ecosystem.
**Citi Strata Elite**
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
| 3% |
| Authorized User Fee | $0 |
Yes. ThankYou points are Citi’s rewards currency. You can redeem them for cash back at 1 cent per point, but if you have a card that earns transferable points, you can move them to an airline or hotel partner and redeem them for much more value.
They can be. Cash or statement credit redemptions give you 1¢ per point. Transferring points to an airline or hotel partner can unlock redemptions worth twice that amount or more, especially when you take advantage of partner sweet spots.
Yes. You can book flights through the Citi Travel Portal, but that’s usually poor value. If your card allows transfers, moving points to an airline partner typically gives you a much better return than booking through the portal at a simple 1:1 rate.
Yes. You can redeem points for a statement credit to help pay your bill. We only recommend this if you can’t pay your balance in full and would otherwise incur interest. Otherwise, transferring to an airline or hotel partner will give you better value.
Transferring to airline partners typically provides 1.5-2.5 cents per point in value, while the Citi Travel portal gives a flat 1 cent per point. Transfer to partners when booking premium cabin flights or finding sweet spot awards. Use the portal for simple domestic bookings where partner awards don't offer meaningful savings.
Only the Citi Strata Premier ($95/year), Citi Strata Elite ($595/year), and Citi Prestige ($495/year, no longer available to new applicants) unlock 1:1 transfer ratios. Other ThankYou-earning cards like the Double Cash, Custom Cash, and Strata transfer at a reduced 0.7:1 ratio.
Yes. You can combine all ThankYou points into one account, either on the ThankYou website or by calling. If you combine points into a Strata Premier, Strata Elite, or Prestige account, all combined points unlock 1:1 transfer ratios to airline and hotel partners.
No, ThankYou points do not expire as long as your account is open and in good standing. However, if you transfer points to another ThankYou member (up to 100,000 per calendar year), the received points expire 90 days after transfer.
The Citi quadfecta maximizes earning across categories: Strata Premier (3x dining, gas, groceries, airfare, hotels), Strata card (3x transit + 3x self-select category), Custom Cash (5x on top category up to $500/month), and Double Cash (2x on everything). All points pool to the premium card for 1:1 transfers at minimal annual fees.
Citi periodically offers transfer bonuses of 15-30% to select airline and hotel partners. These are limited-time promotions that give you extra miles or points when transferring. Common bonus partners include Air France-KLM Flying Blue, Avianca LifeMiles, Virgin Atlantic Flying Club, and Wyndham Rewards.
Comprehensive review covering the card's 2% cash back structure, balance transfer offer, and suitability for everyday spending without annual fees.
US News rating and analysis of the Double Cash card's flat 2% rewards and 0% intro APR on balance transfers for qualified buyers.
NerdWallet guide detailing the card's primary benefits including the 2% cash back and balance transfer offer features.
WalletHub analysis of the card's drawbacks including high APR and foreign transaction fees alongside its advantages.
CreditCards.com's guide exploring all benefits including the flat cash back, balance transfer offer, and redemption options through Citi ThankYou Points.
Credit Karma tips for maximizing the card's value including sign-up bonus strategy, redemption options, and balance transfer management.
The Points Guy comprehensive review covering the card's 2% flat-rate earning, redemption options, and ThankYou Points flexibility.
NerdWallet comparison of the Double Cash flat 2% structure versus the Custom Cash's category bonuses and flexibility.
WalletHub Q&A addressing alternative cards like Chase Freedom Unlimited and Wells Fargo Active Cash for consumers seeking different reward structures.
CNN Underscored's comprehensive evaluation of the card's straightforward earning structure and comparison to competing cash-back options.
CNBC Select expert recommendation of the Double Cash as the simplest no-annual-fee card, detailing its benefits and redemption flexibility.
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
| — | — | View source |
Combined Protection Value
$100
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
See your FICO credit score updated monthly through your Citi account or mobile app at no cost.
Get instant alerts for suspicious activity and pay nothing for unauthorized charges when reported promptly.
Get expert assistance to resolve identity theft problems if your personal information is compromised or stolen.
Cancel and replace your card fast with 24/7 emergency assistance available worldwide for your protection.
Generate temporary card numbers for online purchases to keep your real number private and secure.
Transfer your ThankYou Points to 22 leading loyalty programs for maximum value.
Most partners accept ThankYou Points at a 1:1 ratio with instant or near-instant transfers.
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | — | — | |
| 1:1 | instant | — | — | |
| 1:1 | instant | — | 1.3 cpp | |
| 1:1 | instant | — | — | |
| 1:1 | instant | — | — | |
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Domestic US in Economy | 4,600 | — | economy | united_states |
| Domestic US in Economy on American | 5,000 | — | economy | united_states |
| US to Europe in Economy | 6,000 | — | economy | europe |
| Carribean | 7,100 | — | — | — |
| US to South America in Economy | 7,100 | — | economy | south_america |
| Intra-Europe in Economy | 7,500 | — | economy | europe |
| Domestic US in Economy on a Partner | 7,500 | — | economy | united_states |
| Intra-Europe in Business | 8,000 | — | business | europe |
| US to Mexico in Economy on a Partner | 11,500 | — | economy | central_america |
| The Setai Hotel Miami Beach | 15,000 | — | — | united_states |
| Domestic US in First Class | 16,500 | — | first | united_states |
| Fifth Avenue Hotel | 16,500 | — | — | united_states |
| US to Iceland in Economy on a Partner | 17,000 | — | economy | europe |
| US to Hawaii in Economy | 20,000 | — | economy | united_states |
| US to Hawaii in Economy on a Partner | 20,500 | — | economy | united_states |
| Domestic US in Business | 22,000 | — | business | united_states |
| US to South America in Business | 22,500 | — | business | south_america |
| US to Japan in Economy | 25,000 | — | economy | asia |
| US to Northern Africa in Economy | 25,000 | — | economy | africa |
| US to Mexico in Business on a Partner | 30,000 | — | business | central_america |
Showing top 20 of 50 sweet spots
The Citi Double Cash is the benchmark flat-rate cash back card. Its 2% earn rate matches the Wells Fargo Active Cash and PayPal Cashback Mastercard, but the split earning structure (1% buy + 1% pay) means you must pay your bill to earn the full 2%. The real upside: ThankYou Points can transfer to airline partners when paired with a Citi Strata Premier, potentially worth more than 2 cents per dollar.
Skip this card if you're serious about travel rewards. The Citi Double Cash lacks the valuable points structure and transfer flexibility needed for discounted travel experiences that other cards readily provide without much additional effort.
Skip this card if you're serious about travel rewards. The Citi Double Cash doesn't provide the valuable points or transfer options needed for discounted travel, which is likely why you're reading this site. Although it offers hassle-free earning with no annual fee, the modest welcome bonus and cash back structure pale in comparison to what dedicated travel cards provide. Your travel aspirations deserve a card specifically designed to maximize flight and hotel redemptions through valuable transfer partners and elevated earning rates.
The Citi Double Cash offers a straightforward approach to earning rewards without complexity. Here's what makes it worth considering:
- **No annual fee** \- You won't pay anything to keep this card in your wallet
- **$200 welcome bonus** \- Earn this cash back after spending $1,500 in the first 6 months
- **Consistent 2% rewards rate** \- Earn 1% when you make purchases and another 1% when you pay your bill, with no category restrictions or spending caps
The card also provides 5% back when you book travel through the Citi Travel portal, adding extra value for occasional travelers. Your rewards flexibility is another advantage, as you can redeem them through multiple options:
- Direct deposit to your bank account
- Statement credit toward your balance
- Check by mail
- Travel bookings through the Citi portal
For strategic cardholders, the Double Cash becomes more valuable when paired with the Citi Strata Premier or Citi Strata Elite card. This combination allows you to transfer your Double Cash rewards to one of the Strata cards, accessing access to airline and hotel transfer partners, where points can potentially deliver their maximum value.
The main exception: This card might not be good if you want genuine travel rewards. While you can use your cash back to book travel through their portal, numerous better options exist.
**Citi points are increasing in value with the addition of American Airlines as a transfer partner, though limited partner-transfer cards still hold them back.**
- Only the Strata Premier and Strata Elite are worth it; they’re the only Citi cards with transferable miles to all partners and a 60k–80k point signup bonus.
- You can combine cash back points from other Citi cards with Strata Premier or Elite and then transfer to partners, but none of the cash back cards offer strong bonuses.
- Citi has expanded its transfer partner network, adding several high-value options it once lacked.
- Points are flexible with many airline partners, and Citi is the only credit card system that transfers to American Airlines.
The Citi Double Cash should be considered alongside four other Citi rewards credit cards to understand its relative value in the Citi ecosystem.
**Citi Strata Elite**
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
| 3% |
| Authorized User Fee | $0 |
Yes. ThankYou points are Citi’s rewards currency. You can redeem them for cash back at 1 cent per point, but if you have a card that earns transferable points, you can move them to an airline or hotel partner and redeem them for much more value.
They can be. Cash or statement credit redemptions give you 1¢ per point. Transferring points to an airline or hotel partner can unlock redemptions worth twice that amount or more, especially when you take advantage of partner sweet spots.
Yes. You can book flights through the Citi Travel Portal, but that’s usually poor value. If your card allows transfers, moving points to an airline partner typically gives you a much better return than booking through the portal at a simple 1:1 rate.
Yes. You can redeem points for a statement credit to help pay your bill. We only recommend this if you can’t pay your balance in full and would otherwise incur interest. Otherwise, transferring to an airline or hotel partner will give you better value.
Transferring to airline partners typically provides 1.5-2.5 cents per point in value, while the Citi Travel portal gives a flat 1 cent per point. Transfer to partners when booking premium cabin flights or finding sweet spot awards. Use the portal for simple domestic bookings where partner awards don't offer meaningful savings.
Only the Citi Strata Premier ($95/year), Citi Strata Elite ($595/year), and Citi Prestige ($495/year, no longer available to new applicants) unlock 1:1 transfer ratios. Other ThankYou-earning cards like the Double Cash, Custom Cash, and Strata transfer at a reduced 0.7:1 ratio.
Yes. You can combine all ThankYou points into one account, either on the ThankYou website or by calling. If you combine points into a Strata Premier, Strata Elite, or Prestige account, all combined points unlock 1:1 transfer ratios to airline and hotel partners.
No, ThankYou points do not expire as long as your account is open and in good standing. However, if you transfer points to another ThankYou member (up to 100,000 per calendar year), the received points expire 90 days after transfer.
The Citi quadfecta maximizes earning across categories: Strata Premier (3x dining, gas, groceries, airfare, hotels), Strata card (3x transit + 3x self-select category), Custom Cash (5x on top category up to $500/month), and Double Cash (2x on everything). All points pool to the premium card for 1:1 transfers at minimal annual fees.
Citi periodically offers transfer bonuses of 15-30% to select airline and hotel partners. These are limited-time promotions that give you extra miles or points when transferring. Common bonus partners include Air France-KLM Flying Blue, Avianca LifeMiles, Virgin Atlantic Flying Club, and Wyndham Rewards.
Comprehensive review covering the card's 2% cash back structure, balance transfer offer, and suitability for everyday spending without annual fees.
US News rating and analysis of the Double Cash card's flat 2% rewards and 0% intro APR on balance transfers for qualified buyers.
NerdWallet guide detailing the card's primary benefits including the 2% cash back and balance transfer offer features.
WalletHub analysis of the card's drawbacks including high APR and foreign transaction fees alongside its advantages.
CreditCards.com's guide exploring all benefits including the flat cash back, balance transfer offer, and redemption options through Citi ThankYou Points.
Credit Karma tips for maximizing the card's value including sign-up bonus strategy, redemption options, and balance transfer management.
The Points Guy comprehensive review covering the card's 2% flat-rate earning, redemption options, and ThankYou Points flexibility.
NerdWallet comparison of the Double Cash flat 2% structure versus the Custom Cash's category bonuses and flexibility.
WalletHub Q&A addressing alternative cards like Chase Freedom Unlimited and Wells Fargo Active Cash for consumers seeking different reward structures.
CNN Underscored's comprehensive evaluation of the card's straightforward earning structure and comparison to competing cash-back options.
CNBC Select expert recommendation of the Double Cash as the simplest no-annual-fee card, detailing its benefits and redemption flexibility.
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Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Monitor your personal information and get alerts for suspicious activity when you enroll in Mastercard's free service.
Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.
| 1:1 |
| instant |
| 88% |
| — |
| 5:4 | instant | 81% | 1.35 cpp |
| 1:1 | instant | 81% | 1.4 cpp |
| 1:1 | instant | 81% | — |
| 1:1 | instant | 75% | — |
| 1:1 | instant | 75% | — |
| 1:1 | instant | 69% | — |
| 1:1 | instant | 63% | — |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | — | — | |
| 5:4 | instant | — | 1 cpp | |
| 5:1 | instant | 100% | — | |
| 2:3 | instant | 88% | 0.6 cpp | |
| 2:1 | instant | 69% | 2 cpp |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
turkish_miles_and_smiles | 1:1 | instant | — | — |
| 1:1 | instant | — | — | |
cathay_pacific_asia_miles | 1:1 | instant | — | — |
air_france_klm_flying_blue | 1:1 | instant | 81% | — |
- Annual Fee: $595
- Signup Bonus: 80,000 points
- Key Advantage: Transfer to hotel and airline partners, a variety of usable statement credits, and 4 Admirals Club lounge passes
**Citi Strata Premier**
- Annual Fee: $95
- Sign-up Bonus: 60,000 points after $4,000 in spending in 3 months
- Key Advantage: Ability to transfer ThankYou points to airline and hotel partners
**Citi Strata**
- Annual Fee:None
- Sign-up Bonus: 20,000 points after $1,000 in spending in 3 months
- Highlights: Interesting spend categories and the ability to transfer ThankYou points to airline and hotel partners, but transfers are at a reduced rate compared to the two cards above.
**Citi Custom Cash**
- Annual Fee: None
- Sign-up Bonus: $200 (same as Double Cash)
- Earnings Structure: 5x points on your top eligible spending category each billing cycle (limited to $500 in spending) versus Double Cash's flat 2% on everything
The **Custom Cash** offers a different approach to rewards compared to the Double Cash. Rather than earning a consistent rate on all purchases, it rewards you more generously for spending in your top category each month, but with a relatively low spending cap.
When choosing between these cards, consider your spending patterns and goals. If you're serious about travel rewards, the Strata Premier is clearly superior despite its annual fee. Between the no-annual-fee options, your decision depends on whether your spending concentrates heavily in one of the Custom Cash's bonus categories or if you prefer the simplicity of Double Cash's consistent earning rate across all purchases.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Monitor your personal information and get alerts for suspicious activity when you enroll in Mastercard's free service.
Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.
| 1:1 |
| instant |
| 88% |
| — |
| 5:4 | instant | 81% | 1.35 cpp |
| 1:1 | instant | 81% | 1.4 cpp |
| 1:1 | instant | 81% | — |
| 1:1 | instant | 75% | — |
| 1:1 | instant | 75% | — |
| 1:1 | instant | 69% | — |
| 1:1 | instant | 63% | — |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | — | — | |
| 5:4 | instant | — | 1 cpp | |
| 5:1 | instant | 100% | — | |
| 2:3 | instant | 88% | 0.6 cpp | |
| 2:1 | instant | 69% | 2 cpp |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
turkish_miles_and_smiles | 1:1 | instant | — | — |
| 1:1 | instant | — | — | |
cathay_pacific_asia_miles | 1:1 | instant | — | — |
air_france_klm_flying_blue | 1:1 | instant | 81% | — |
- Annual Fee: $595
- Signup Bonus: 80,000 points
- Key Advantage: Transfer to hotel and airline partners, a variety of usable statement credits, and 4 Admirals Club lounge passes
**Citi Strata Premier**
- Annual Fee: $95
- Sign-up Bonus: 60,000 points after $4,000 in spending in 3 months
- Key Advantage: Ability to transfer ThankYou points to airline and hotel partners
**Citi Strata**
- Annual Fee:None
- Sign-up Bonus: 20,000 points after $1,000 in spending in 3 months
- Highlights: Interesting spend categories and the ability to transfer ThankYou points to airline and hotel partners, but transfers are at a reduced rate compared to the two cards above.
**Citi Custom Cash**
- Annual Fee: None
- Sign-up Bonus: $200 (same as Double Cash)
- Earnings Structure: 5x points on your top eligible spending category each billing cycle (limited to $500 in spending) versus Double Cash's flat 2% on everything
The **Custom Cash** offers a different approach to rewards compared to the Double Cash. Rather than earning a consistent rate on all purchases, it rewards you more generously for spending in your top category each month, but with a relatively low spending cap.
When choosing between these cards, consider your spending patterns and goals. If you're serious about travel rewards, the Strata Premier is clearly superior despite its annual fee. Between the no-annual-fee options, your decision depends on whether your spending concentrates heavily in one of the Custom Cash's bonus categories or if you prefer the simplicity of Double Cash's consistent earning rate across all purchases.
Report lost or stolen cards 24/7 and get emergency card replacement and cash advance assistance worldwide.
Monitor your personal information and get alerts for suspicious activity when you enroll in Mastercard's free service.
Items purchased with your card are covered against damage or theft for 45 days, up to $100 per claim.
| 1:1 |
| instant |
| 88% |
| — |
| 5:4 | instant | 81% | 1.35 cpp |
| 1:1 | instant | 81% | 1.4 cpp |
| 1:1 | instant | 81% | — |
| 1:1 | instant | 75% | — |
| 1:1 | instant | 75% | — |
| 1:1 | instant | 69% | — |
| 1:1 | instant | 63% | — |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
| 1:1 | instant | — | — | |
| 5:4 | instant | — | 1 cpp | |
| 5:1 | instant | 100% | — | |
| 2:3 | instant | 88% | 0.6 cpp | |
| 2:1 | instant | 69% | 2 cpp |
| Partner | Ratio | Transfer Time | Value Retained | Point Value |
|---|---|---|---|---|
turkish_miles_and_smiles | 1:1 | instant | — | — |
| 1:1 | instant | — | — | |
cathay_pacific_asia_miles | 1:1 | instant | — | — |
air_france_klm_flying_blue | 1:1 | instant | 81% | — |
- Annual Fee: $595
- Signup Bonus: 80,000 points
- Key Advantage: Transfer to hotel and airline partners, a variety of usable statement credits, and 4 Admirals Club lounge passes
**Citi Strata Premier**
- Annual Fee: $95
- Sign-up Bonus: 60,000 points after $4,000 in spending in 3 months
- Key Advantage: Ability to transfer ThankYou points to airline and hotel partners
**Citi Strata**
- Annual Fee:None
- Sign-up Bonus: 20,000 points after $1,000 in spending in 3 months
- Highlights: Interesting spend categories and the ability to transfer ThankYou points to airline and hotel partners, but transfers are at a reduced rate compared to the two cards above.
**Citi Custom Cash**
- Annual Fee: None
- Sign-up Bonus: $200 (same as Double Cash)
- Earnings Structure: 5x points on your top eligible spending category each billing cycle (limited to $500 in spending) versus Double Cash's flat 2% on everything
The **Custom Cash** offers a different approach to rewards compared to the Double Cash. Rather than earning a consistent rate on all purchases, it rewards you more generously for spending in your top category each month, but with a relatively low spending cap.
When choosing between these cards, consider your spending patterns and goals. If you're serious about travel rewards, the Strata Premier is clearly superior despite its annual fee. Between the no-annual-fee options, your decision depends on whether your spending concentrates heavily in one of the Custom Cash's bonus categories or if you prefer the simplicity of Double Cash's consistent earning rate across all purchases.
