Citi Double Cash Card earning rate

The Citi Double Cash earns ThankYou Rewards points that can be redeemed for cash back and other rewards. It earns points at the following rates:

  • 2% cash back: Unlimited 1% cash back when you buy, plus an additional 1% as you pay, on every purchase.

Calculator: Citi Double Cash Card points value

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Citi Double Cash Card benefits

Here are the main benefits of the Citi Double Cash Card:

  • Limited Time Offer: Earn 5% total cash back on hotel and car rentals booked on the Citi Travel℠ portal through 12/31/24.

Calculator: Citi Double Cash Card points transfer

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If you want access to all of Citi's airline and hotel partners, you will want to pick up one of Citi's premium cards. Those cards are:

Since Citi ThankYou points can be moved between card accounts, you can move your Citi Double Cash points to one of the eligible cards above first. Once moved, you will then have the ability to use your points with all partners at the best transfer ratios.

Here's the full list of Citi transfer partners:

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Citi Double Cash Card fees

Annual Fee

The Citi Double Cash Card has a $0 annual fee.

Earning 2% cash back at no annual fee is always great.

Authorized User Fee

There is no fee to add authorized users to the Citi Double Cash. Adding family and friends can help you earn cash back faster.

Foreign Transaction Fee

The Citi Double Cash Card has a 3% foreign transaction fee. That makes this a bad choice for spending outside of the U.S. since the card only earns up to 2%, but you will be charged a 3% fee leaving you with a net loss of 1% for every dollar spent.