#10 overall · Cashback card
Citi Double Cash® Card
Citi · Mastercard · Good credit required
Free
Annual fee
$200
Welcome bonus
$624
First-year value
$424
Ongoing/yr
Rewards rates
🛒
Groceries
$5700/yr avg spend
2x
+$114/yr
🍕
Dining & Takeout
$3000/yr avg spend
2x
+$60/yr
✈️
Travel & Hotels
$2040/yr avg spend
2x
+$41/yr
⛽
Gas & EV Charging
$2100/yr avg spend
2x
+$42/yr
📺
Streaming
$540/yr avg spend
2x
+$11/yr
🛍️
Everything Else
$7800/yr avg spend
2x
+$156/yr
Based on average US spending. Use your own spending →
✓ Pros
- ✓ 2% on everything (1% + 1% when paid)
- ✓ No annual fee
- ✓ No category caps
- ✓ Simple, automatic rewards
✗ Cons
- No major drawbacks for most users.
Is the Citi Double Cash® Card worth it?
Yes — there's no cost to hold it. Even if you only use it occasionally for groceries, you're ahead. It makes an excellent secondary card. The $200 welcome bonus (if you hit the spend requirement of $1,500 in 3 months) makes year one worth $624 total.
Verdict: Strong value — earns well above its fee on typical spending.
Ready to apply?
Current offer: $200 welcome bonus after $1,500 spend in 3 months
Apply for Citi Double Cash® Card →You'll be directed to Citi's official application