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Citi Double Cash 2% Cash Back Credit Card

I mentioned the Citi Double Cash card in our strategy for earning cash back on our mortgage payments Paying Bills with a Credit Card: No Fee via Plastiq and Masterpass [1].

Citi Double Cash 2% Cash Back Credit Card

The Citi Double Cash card is essentially a 2% cash back card. 2% cash back cards are some of the best cards for everyday spending. Since they don’t require a sign up each quarter for higher cash back [2] it’s my go-to recommendation for friends who want just one card.

The Citi Double Cash card is a good alternative to the Fidelity 2% Cash Back Credit Card [3] if you don’t have a Fidelity account and prefer straight cash back.

It’s Free Money [4] Friday, so let’s look closer at the Citi Double Cash card!

How to Get Your 2% Cash Back

  1. Open a new Citi Double Cash* card.
  2. Earn 1% cash back on every purchase you make.
  3. Earn an additional 1% cash back as you pay for those purchases in full or over time.

*Find and compare all current credit card offers in our credit card directory [5].

Terms and Conditions

  • No annual fee.
  • Unlimited cash back.
  • No Caps and No Category Restrictions.

More on Citi Double Cash

Earning Cash Back. There are no category restrictions and no quarterly enrollments [2] so it’s a good card for everyday spending.

Redeeming Cash Back. As soon as you earn $25 in cash rewards, you can redeem them.

Downgrade to Double Cash. Because the Double Cash card doesn’t have a sign up bonus, I typically sign up for a card with a bonus like the Citi American Airlines card [6] first, then downgrade my card to the Double Cash card to maximize the sign up bonus and the cash back.

Intro APR. 0% Intro APR on purchases & balance transfers for 18 months.

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