Citi Double Cash
The cleanest 2% flat-rate card. Long balance transfer intro makes it also a debt-payoff tool.
Use this page as a benchmark, not as a guaranteed quote or eligibility promise. The price, rate, fee, coverage, or feature set can change with location, customer profile, promotional timing, scope, and provider terms. Compare the current source disclosure before you buy or sign.
FairPrice Guru keeps the benchmark separate from the provider's marketing. A higher price is not automatically unfair when it buys more coverage or a better scope, and a lower headline price is not automatically better when fees, restrictions, or missing features change the real cost.
Price and terms
- Annual fee: $0
- Purchase APR: 18.24%–28.24%
FairPrice score: 84/100
Rewards
Effective 2% on everything (1% buy + 1% pay)
Perks
- No annual fee
- 0% BT for 18 months
Pros
- Simple flat 2% cashback
- Long 0% balance transfer window
- No annual fee
Cons
- 3% foreign transaction fee
- Requires paying bill to earn second 1%
- No sign-up bonus historically (now has one)
Best for
- flat rate cashback
- balance transfers
- simple rewards
Official source · Last verified 2026-10-04