Citi Double Cash
Citi · Mastercard · no annual fee · earns Citi ThankYou Points, valued at 1.60¢ a point.
Rates checked against the issuer 2026-08. Foreign transaction fee: 3% of each purchase abroad.
The short version
- Best at: nothing in particular — no category puts it in the top three of the catalogue.
- A year's rewards: about $847, with no fee to pay.
- Weighing it up against: Active Cash, Custom Cash, Quicksilver, Apple Card.
Is the annual fee worth it?
No annual fee, so everything it earns is kept: about $847 a year on the illustrative household's spending, which puts it number 3 of 38 the no-fee cards in the catalogue. All of them, ranked.
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What it earns, category by category
| Earns on | Rate | Conditions |
|---|---|---|
| Everything else | 2x |
Where a year's rewards come from
| Spending on | Earns a year |
|---|---|
| Groceries | $192 |
| Everything Else | $192 |
| Restaurants & Bars | $115 |
| Gas Stations | $58 |
| Online Shopping | $58 |
| Utilities | $58 |
Priced on an illustrative household spending $2,205 a month on a card — the assumption, in full. Credits and perks are not priced: they are worth their face value only if you would have spent that money anyway.
What the issuer lists besides rewards
- Earned as 1% when you buy and 1% again as you pay it off
- Citi withdrew extended warranty, return protection and rental car coverage from its cards in September 2019
Similar cards
- Wells Fargo Autograph — annual fee none
- Bilt Mastercard — annual fee none
- American Express Blue Business Plus — annual fee none
- Citi Custom Cash — annual fee none
- Every travel card, ranked
- The best two- and three-card combinations
Point values: published industry valuations, read 2026-09. How every number here is worked out.
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