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Citi Double Cash: terms, score and downsides

Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.

Rubric score 70.3% across 78 cards. Issuer page ↗

Downsides first

• 3% foreign transaction fee
• APR up to 28.74% if you carry a balance
• Penalty APR up to 29.99%
• Late fee up to $41

Terms & fees

• IssuerCiti
• Typecash back
• Annual fee$0 citi.com, 2026-10-11
• Regular purchase APR18.49%–28.74% variable citi.com, 2026-10-11
• Rewards2% on purchases (1% when you buy + 1% as you pay); 5% total on Citi Travel hotels, cars, attractions citi.com, 2026-10-11
• Sign-up bonus (≈$)$200 $200 after $1,500 in 6 months citi.com, 2026-10-11
• Intro APR18 months 0% intro APR 18 months on balance transfers only citi.com, 2026-10-11
• Foreign transaction fee3% citi.com, 2026-10-11
• Penalty APRup to 29.99% up to; may apply after a late or returned payment citi.com, 2026-10-12
• Late feeup to $41 up to (first and repeat late fee) files.consumerfinance.gov, 2025-12-31
• Balance transfer fee5% files.consumerfinance.gov, 2025-12-31
• Cash advance fee5% files.consumerfinance.gov, 2025-12-31
• Credit needed620–719, 720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31
• Grace period23 days files.consumerfinance.gov, 2025-12-31
• Cash advance APR29.74% files.consumerfinance.gov, 2025-12-31
• CFPB survey APR (2025-12-31)17.49%–27.49% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer

Complaint record (CFPB)

• Complaints, last 12 months23,436
• Trend▲ 28.7% (last 12 mo 23,436 vs prior 12 mo 18,210)
• Timely response (last 36 mo)100.0%
• Per $1B deposits (12 mo)15.14
• Top issueProblem with a purchase shown on your statement
• Insurance statusFDIC-insured: Citibank, National Association (cert 7213, active; deposits $1,547.6B as of 06/30/2026)

Company-level (CITIBANK, N.A.), all products, as of 2026-10-12. Citi complaints: full record → Shown for context; does not change the score.

Score breakdown

• Annual fee 10.0/10Annual fee $0 (as of 2026-10-11). Rubric: $0=10, ≤$95=8, ≤$395=5, ≤$695=3, more=1 (perks/credits are not counted).
• Rewards rate 9.5/10Base 2% on everything, top category 5% (as of 2026-10-11; points/miles valued at 1¢). Score = base/2%×7 + min(top,6)/6%×3. 2% on purchases (1% when you buy + 1% as you pay); 5% total on Citi Travel hotels, cars, attractions
• Sign-up bonus 2.7/10Bonus ≈ $200: $200 after $1,500 in 6 months (as of 2026-10-11). Score = value/$75, max 10.
• Intro 0% APR 8.6/100% intro APR 18 months on balance transfers only (as of 2026-10-11). Score = months/21×10.
• Regular APR 7.4/1018.49%–28.74% variable (as of 2026-10-11); midpoint 23.61%. Score = (34 − midpoint)/1.4, 0–10.
• Foreign transaction fee 3.0/103% foreign transaction fee (as of 2026-10-11).
• Regulatory record (CFPB) 8.0/10Issuer Citi: Base 10, −2 CFPB 2023-11

0.143×10.0 + 0.143×9.5 + 0.143×2.7 + 0.143×8.6 + 0.143×7.4 + 0.143×3.0 + 0.143×8.0 = 7.03 → 70.3%

Is Citi Double Cash worth it? (break-even math) →Value for my spending →

Compare with

Citi Double Cash vs Chase Freedom Unlimited · Citi Double Cash vs Chase Freedom Flex · Citi Double Cash vs Wells Fargo Active Cash · Citi Double Cash vs Capital One Quicksilver · Citi Double Cash vs Capital One Savor · Citi Double Cash vs Discover it Cash Back

No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.

FAQ

What is the Citi Double Cash annual fee?

$0

What is the Citi Double Cash APR?

18.49%–28.74% variable

Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.