Citi
Citi Double Cash
No annual fee$200 bonus after $1,500 in 6 months
Is it worth it for you?
Run my numbersThat depends entirely on how you spend. Run your numbers and this page shows your figure instead of a guess.
Benefits
ThankYou Points on PurchasesEarn 1 ThankYou Point per $1 spent on all purchases, redeemable for cash back, gift cards, travel, and other rewards.
ThankYou Points on Eligible PaymentsEarn 1 ThankYou Point per $1 paid toward your purchase balance, up to the balance shown in your Purchase Tracker.
Citi Travel Bonus PointsEarn 3 additional ThankYou Points per $1 spent on hotels, car rentals, and attractions booked through Citi Travel, totaling 5 points per dollar when combined with purchase and payment points.
Cash Back RedemptionRedeem ThankYou Points for cash back as direct deposit, statement credit, or check (e.g., 10,000 points = $100).
Purchase TrackerA tool that tracks your purchase balance and remaining amount eligible for payment points, shown on your billing statement.
Card details last checked Mar 19, 2026. No affiliate links on this page — we're paid for verdicts, not applications.