Citi® Double Cash Card: A Great Cash Back Option

Citi® Double Cash Card
This card is not available through ValuePenguin.

Citi® Double Cash Card: A Great Cash Back Option

Easily one of the best cash back cards on the market.
Editor's Rating: 5.0/5.0

Editor's Rating

5.0/5.0

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The Citi® Double Cash Card is one of the strongest cash back credit cards available right now. It offers 1% cash back on all purchases and another 1% back when those purchases are paid off. While some credit cards may give you higher cash back rewards, this one allows you to not have to worry about changing rewards calendars or tracking certain categories. This puts it up there as one of the best cash back credit cards available, at least when it comes to a flat rate rewards.

The features we like best about the Citi® Double Cash Card

  • 1% cash back is the highest flat rate around
  • Another 1% cash back when you pay off your purchases
  • Citicard services like Price Rewind

Where we think the Citi® Double Cash Card Falls short compared to other cards

  • No bonuses make this card a more long-term investment - no short term gains

Review: Our Thoughts About The Citi® Double Cash Card

With the card offering up to a high fixed rewards rate across all purchases, the Citi® Double Cash Card rivals the best cash back card available. This bodes as good news for consumers who are looking for high rewards that are also easy to use. With the double 1% rewards rate, the Citi® Double Cash Card will be much better than the popular Capital One® Quicksilver® Card and the new Barclays CashForward™ World Mastercard®. Like these rivals, the Citi® Double Cash Card has no annual fee, making it a very reasonable first consideration when it comes to a primary credit card. Cardholders who have spending patterns more heavily focused in areas that bonus cash back cards like the Blue Cash Preferred® Card from American Express may find better alternatives, but for anyone with a broad expenses the Double Cash is worthy of a first look.

One downer for an otherwise great credit card is the card's lack of signing bonus. Most credit cards, even some cash back cards, tend to reward consumers with bonus points or extra cash back for opening a credit card account. While the Citi® Double Cash Card offers an attractive rewards rate, it lacks any incentives up front.

The Citi® Double Cash Card makes up for its lack of a bonus through some ancillary benefits, such as Price Rewind and late fee forgiveness. Whether most consumers will ever get to utilize these perks is not certain, which doesn’t fully make up for the lack of a definite signing bonus. If you do, however, these Citi® Double Cash Card benefits have the potential to be worth thousands of dollars. To learn more about what benefits like Price Rewind can do for you, look to our explanation of the Citi® Double Cash Card benefits below.

How The Cash Back Rewards Work

Instead of being applied immediately to your account, half of the rewards (1% in this case) is awarded as soon as you use the card for purchases. The remaining half is applied at the time when you pay off your balance, and will be 1% of the amount you pay. Since we generally advise that consumers pay off the entirety of their balances each month, the difference in the timing between the purchase and payment rewards should be negligible for most cardholders.

For cardholders who may ignore our advice and keep a balance from month to month, you should know that additional interest will not add to the total amount of cash back you can earn from paying off your balance. As purchases are made, the accumulated spending on eligible purchases is tracked in the Purchase Tracker. As you make payments on your balance, the amount in the Purchase tracker is reduced by the same amount. The amounts in the tracker are the only ones eligible for the 1% cash back from payments.

Other Citi® Double Cash Card Benefits and Features

Here are a table and discussion of other important aspects and perks you need to know about the Citi® Double Cash Card.

Citi® Double Cash Card
Citi® Double Cash Card
This card is not available through ValuePenguin.
Annual Fee
No Annual Fee
Purchase APR
15.24% - 25.24% Variable
Credit Needed Excellent
Foreign Transaction Fee 3%
Details
  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.24% - 25.24% based on your creditworthiness*
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
  • No categories to track, no caps on cash back, no annual fee*

Price Rewind: The Double Cash is also one of the few Citicards with the Price Rewind advantage. Whenever you make a purchase on your Citi® Double Cash Card, Citibank will search for that item online at different retailer websites. If they find the same item at a lower price, within 60 days of your purchase, you will be refunded the difference in price for up to $500 per item, up to a maximum of $2,500 in refunds per year. This is one of our favorite credit card perks around, as it provides consumers a bit of peace of mind when making purchases. 

Added Purchase Protection: Your purchases are also afforded added protection through Damage & Theft Protection and Extended Warranty programs. The first of these covers any item you buy using your Citi® Double Cash Card for up to $1,000, if the item is damaged and stolen within 120 days (or within 90 days if you live in New York). Citi will pay out a maximum of $50,000 within a year for damages. Secondly, if you have a warranty of five years or less on a purchased item with the Citi® Double Cash Card, you will automatically receive one extra year of warranty – this benefit has you covered up to $10,000 per year.

EMV Smartchip: The Citi® Double Cash Card also has a smartchip installed. These chips, referred to as EMV, are a global standard that provides a safer alternative to magnetic strips commonly found on U.S. credit cards. Merchants within the U.S. will slowly begin transitioning to EMV in 2015. Having an EMV chip on their credit card allows Citi® Double Cash Card cardholders to be ahead of the curve in the United States, and well prepared if they travel and use a credit card outside of the country. In many places overseas, vendors are equipped only to deal with EMV credit cards. Keep in mind, however, that the Citi® Double Cash Card has a 3% foreign transaction fee, which more than eats into consumers’ rewards rate.

Late Fee Waiver: Finally, if you miss a payment on your Citi® Double Cash Card, you will not be charged a late fee the first time it happens. This perk may seem small, but if paying your bill slips your mind at any point while you are using this card, the additional benefit can save you $35.

The Citi® Double Cash Card vs Other Credit Cards

Let's take a look at how Citi® Double Cash Card performs against the other cash back credit cards to comprehend where it stands.

Citi® Double Cash Card vs Capital One® Quicksilver® Card

Over the long run the extra cash back you can earn through the Citi® Double Cash Card should outperform the Capital One® Quicksilver® Card 1.5%. The one drawback of the Citi® Double Cash Card is the lack of any signing bonus, while the Capital One® Quicksilver® Card offers a $150 early spend bonus for new applicants. To qualify for the early spend bonus on the Capital One® Quicksilver® Card cardholders must spend at least $500 in purchases within the first 3 months of account opening. Comparing the value between the two cards is ultimately about the total amount of cash back you can earn at different spending levels. The early bonus puts the Capital One® Quicksilver® Card ahead in the short term, as it will take at least $20,000 in spending for the Citi card to begin outperforming the Capital One® Quicksilver® Card. Choosing between the two cards will depend on how long you will hold onto the card, as well as the amount of spending you make. For shorter periods and lower spending habits the Capital One® Quicksilver® Card will come out ahead. Otherwise the Citi® Double Cash Card should perform better.

The Capital One® Quicksilver® Card allows users to monitor their credit score. With the Capital One® Quicksilver® Card you have access to CreditWise® credit score data. Anyone who is looking into maximizing their credit score or simply keeping a close eye on it to better guard themselves from identity theft will benefit from tools like this.

Fidelity® Rewards Visa Signature® Card vs the Citi® Double Cash Card

Fidelity® Rewards Visa Signature® Card
This card is not available through ValuePenguin.

From a rewards perspective the two cards are effectively equal, since they both offer similar cash back rates and have no signing bonus or annual fees to change the math. One thing that will work in the Citi card's favor is having a few less restrictions when it comes to using the it. The Fidelity Investment Rewards credit card requires cardholders to have a Fidelity account where the cash back can be deposited. Potential cardholders may not want to deal with the added hassle of having to open a new account with Fidelity to handle the rewards.

The Fidelity Investment Rewards credit card also lacks any notable services, such as Citi’s Price Rewind. By giving its users protection on their purchases, the Citi® Double Cash Card in the very least begins to make up for the absence of bonuses. With no such features appearing with Fidelity Investment Rewards, we recommend the Citi® Double Cash Card as the go to flat rate cash back credit card.

Citi® Double Cash Card vs Chase Freedom®

One of the leading rotating category cash back rewards credit cards, the Chase Freedom® is a favorite among rewards hunters. Rather than a flat cash back rate, the Chase Freedom® offers 5% cash back on spending categories that change every quarter. Unlike the Citi® Double Cash Card that has an unlimited flat rate that can be applied towards all spending, the Freedom is best used towards the bonus categories for that given month. All other spending will only yield 1% cash back. Additionally the Chase Freedom® limits spending in these bonus categories to $1,500 a quarter (this equates to $75 for the 5% categories). Depending on your expenses it can sometimes be a little tricky to maximize the extra rewards, so many consumers will find their actual rewards rate edging closer to the bottom of the potential range. 

The Chase Freedom credit card also offers users a $100 spending bonus, if they charge at least $500 in purchases to their account within the first 3 months their account is open. This helps the card in the short term outperform the Citi® Double Cash Card. However, if a Chase Freedom cardholder is not spending within the bonus categories, a Citi® Double Cash Card user will match the $100 bonus after just $10,000 in spending.

Since both cards have no annual fee, our recommendation is that consumers should consider getting both cards. You can then use the Chase Freedom when the 5% cash back option is available and otherwise use the Citi® Double Cash Card for all other purposes. This would give you the best of both worlds. If you are a big spender remember to go back to using your Citi® Double Cash Card as soon as you’ve exhausted the $1,500 bonus category spending limit on a category – otherwise you will fall back down to gaining 1% back.

Compare It For Yourself

If you'd like to see how the Citi® Double Cash Card stacks up against other cash back credit cards, use our interactive comparison tool and model to see what you would earn with each option. Simply put in your spending assumptions to see how each of these cards performs against the Citi® Double Cash Card

Assumptions Based On Monthly Spend of: $1,000 Edit
General:
U.S. Gas Stations:
U.S. Supermarkets:
Airlines:
Hotel:
U.S. Restaurants:
Office:
Utilities:
Computing:
Card Annual Fee 2-yr Net Rewards Rate

The Net Rewards Rate is equal to the Rewards Value over two years divided by the total spending. The total spending is equal to the values entered into the tool and multiplied by 24 months. See the rewards Value note to see details on how it is calculated.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. All estimates are based on the spend assumptions entered above (which you can edit).

Bonus Value

The bonus field shows our estimate for the value of the card’s welcome bonus. If the bonus is point or mile based, we multiply the total bonus points/miles by our estimate for their value to arrive at a dollar equivalent. We display $0 if there is no bonus or if the user doesn’t qualify for the bonus based on the current spending entered into the tool. All estimates are based on the spend assumptions entered above (which you can edit).

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

2-yr Rewards Value

The Rewards value is calculated by adding together the rewards earned from charging purchases to the card over two years and any welcome bonuses (if applicable). They are then multiplied by our estimated point/mile value, with any annual fees (if applicable) subtracted. All values are based on our own estimates for the dollar value of any points, miles or bonuses earned using a card and on the spend assumptions entered above (which you can edit).

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Wells Fargo Cash Wise Visa® Card
$0 2.33%
$200
Earn $200 cash rewards bonus after spending $1,000 in the first 3 months
$560
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 36,000 x $0.01 = $360
Bonuses
0 x $0.01 = $200
Total Net Estimated Rewards Through 24 Months 560

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 14.74%-26.74% (Variable)

Card Details

  • Earn a $200 cash rewards bonus after spending $1,000 in the first 3 months
  • Earn unlimited 1.5% cash rewards on purchases
  • Enjoy 1.8% cash rewards on qualified mobile wallet purchases, like Apple Pay® or Android Pay™, during the first 12 months from account opening
  • No category restrictions or sign ups and cash rewards don't expire as long as your account remains open
  • Get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with your Wells Fargo Cash Wise Visa® Card
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 14.74%-26.74% variable APR; balance transfer fees apply
  • $0 Annual Fee
  • Select "Apply Now" to learn more about the product features, terms, and conditions
PayPal Cashback Mastercard®
No Annual Fee 2.00%
$0
$480
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 480 x $1 = $480
Bonuses
0 x $1 = $0
0 x $1 = $0
Total Net Estimated Rewards Through 24 Months 480

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 16.99%, 24.99% or 27.99% Variable

Card Details

  • No annual fee
  • No restrictions on the type of purchases you can make to earn cash back
  • No rotating categories to keep track of, just 2% cash back on every purchase, every day
  • Redeem your Cash Rewards directly into your PayPal balance
  • Requires PayPal account
  • No redemption threshold
Capital One® Savor® Cash Rewards Credit Card
$0 1.62%
$150
$150 once you spend $500 on purchases within the first 3 months
$390
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 24,000 x $0.01 = $240
Bonuses
0 x $0.01 = $150
Total Net Estimated Rewards Through 24 Months 390

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 16.24% - 24.99% (Variable)

Card Details

  • Earn a one-time $150 cash bonus after you spend $500 on purchases within the first 3 months from account opening
  • Earn unlimited 3% cash back on dining, 2% on groceries and 1% on all other purchases
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 16.24%-24.99% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 16.24%-24.99% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • No annual fee
  • No foreign transaction fees

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

HSBC Cash Rewards Mastercard® credit card
$0 2.12%
$150
$150 Cash Back For new HSBC Cash Rewards Mastercard® credit card customers who spend $500 or more in new, net card purchases during the first 3 months from account opening
$510
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 360 x $1 = $360
Bonuses
0 x $1 = $150
Total Net Estimated Rewards Through 24 Months 510

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR Variable APR of 14.74%, 18.74% or 24.74% will be applied
*Rates and Fees

Card Details

  • Earn unlimited 1.5% cash rewards on all purchases.
  • Earn a $150 cash rewards intro bonus after spending $500 in the first 3 months.
  • 10% Anniversary Bonus on all Cash Rewards earned once a year.
  • No Annual Fee.
  • 0% Intro APR for 15 months on balance transfers, then a 14.74%, 18.74% or 24.74% variable APR.
  • No Foreign Transaction Fees.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • See Rates & Fees
Chase Freedom Unlimited®
$0 2.12%
$150
Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening;Earn a $25 Bonus when you add your first authorized user and make a purchase within this same 3-month period
$510
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 36,000 x $0.01 = $360
Bonuses
0 x $0.01 = $150
Total Net Estimated Rewards Through 24 Months 510

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 16.74% - 25.49% Variable

Card Details

  • Unlimited 1.5% cash back on every purchase - it's automatic
  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • No minimum to redeem for cash back
  • Cash Back rewards do not expire as long as your account is open
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
Capital One® Quicksilver® Card
$0 2.12%
$150
Get $150 bonus after spending $500 within the first 3 months
$510
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 360 x $1 = $360
Bonuses
0 x $1 = $150
Total Net Estimated Rewards Through 24 Months 510

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 14.74% - 24.74% (Variable)

Card Details

  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 14.74%-24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74%-24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

TRIO℠ Credit Card
No Annual Fee 1.42%
$100
Get a $100 bonus after you spend $1,000 within 90 days of opening a new account.
$340
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 24,000 x $0.01 = $240
Bonuses
0 x $0.01 = $0
10,000 x $0.01 = $100
Total Net Estimated Rewards Through 24 Months 340

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 14.24% to 23.24% Variable

Card Details

  • 3% cash back rewards at restaurants and 2% cash back rewards on gas and at grocery and drug stores, up to $1,500 spend per quarter in these combined purchase categories
  • 1% unlimited cash back rewards on all other purchases
AARP® Credit Card
No Annual Fee 1.42%
$100
Spend at least $500 on purchases in your first 3 months and receive $100 in cash back
$340
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
0 x $1 = $0
0 x $1 = $100
Total Net Estimated Rewards Through 24 Months 340

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 16.49%

Card Details

  • 3% cash back at restaurants and gas stations
  • 1% cash back everywhere else
  • No Annual Fee
  • 0% Intro APR for 12 months on purchases and balance transfers
U.S. Bank Cash 365™ American Express® Card
No Annual Fee 1.92%
$100
Cardholders who have a qualifying U.S. Bank product and spend $500 within the first 3 months of account opening receive $100
$460
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 360 x $1 = $360
Bonuses
0 x $1 = $0
0 x $1 = $100
Total Net Estimated Rewards Through 24 Months 460

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 14.74% - 23.74% Variable

Card Details

  • Earn unlimited 1.5% cash back on eligible net purchases
  • New cardmember bonus: $100 after you spend $500 in eligible net purchases in the first 90 days you have the card
  • 0% Intro APR on balance transfers for 12 billing cycles. After that, a variable APR currently 14.74% - 23.74%
  • Unlimited cash back
  • Cash back never expires
  • No annual fee
  • Great Offer for Customers of U.S. Bank, a 2017 World's Most Ethical Company® - Ethisphere Institute, March 2017
Sam's Club Mastercard
No Annual Fee 1.00%
$0
$240
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
0 x $1 = $0
0 x $1 = $0
Total Net Estimated Rewards Through 24 Months 240

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 14.9% 22.9% Variable

Card Details

  • 5% cash back on gas* at U.S. and Puerto Rico gas stations and on gas at Sam’s Club (on first $6,000 per year in purchases, then 1% on purchases after)
  • 3% cash back on dining and travel
  • 1% cash back on other purchases
  • No annual fee
  • Annual cash back payout capped at $5,000
  • Doubles as your membership card
Discover it® Cash Back
$0 1.50%
$120
Discover gives a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. (New cardmembers only)
$360
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
120 x $1 = $120
Total Net Estimated Rewards Through 24 Months 360

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 13.74% - 24.74% Variable

Card Details

  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Earn unlimited 1% cash back on all other purchases – automatically.
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Redeem cash back any amount, any time. Rewards never expire.
  • Use your rewards at Amazon.com checkout.
  • Receive FREE Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Discover it® chrome
$0 1.50%
$120
Discover gives a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. (New cardmembers only)
$360
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
120 x $1 = $120
Total Net Estimated Rewards Through 24 Months 360

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 13.74% - 24.74% Variable

Card Details

  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
NHL® Discover it®
$0 1.50%
$120
Discover gives a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. (New cardmembers only)
$360
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
120 x $1 = $120
Total Net Estimated Rewards Through 24 Months 360

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 13.74% - 24.74% Variable

Card Details

  • Choose your favorite team & show your pride - all 31 teams available. Save 10% at Shop.NHL.com and NHL.TV™.
  • INTRO OFFER: Discover will match ALL the cash back earned at the end of your first year, automatically.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information. ©NHL
Discover it® Student Cash Back
$0 1.50%
$120
Discover gives a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. (New cardmembers only)
$360
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
120 x $1 = $120
Total Net Estimated Rewards Through 24 Months 360

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 14.74% - 23.74% Variable

Card Details

  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants or Amazon.com up to the quarterly maximum each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Receive FREE Social Security number alerts—Discover will monitor thousands of risky websites when you sign up.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.74% - 23.74%.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Discover it® Student chrome
$0 1.50%
$120
Discover gives a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. (New cardmembers only)
$360
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
120 x $1 = $120
Total Net Estimated Rewards Through 24 Months 360

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 14.74% - 23.74% Variable

Card Details

  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.74% - 23.74%.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Discover it® Secured
$0 1.50%
$120
Discover gives a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically. (New cardmembers only)
$360
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
120 x $1 = $120
Total Net Estimated Rewards Through 24 Months 360

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 24.74% Variable

Card Details

  • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
  • Your Secured Credit Card requires a refundable security deposit up to the amount we can approve of at least $200 which will establish your credit line. You will need to provide your bank information when submitting your security deposit.
  • We will automatically begin reviewing your account starting at 8 months to see if we can transition you to an unsecured line of credit.
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Susan G. Komen® Credit Card
Image of Susan G. Komen® Credit Card No Annual Fee 1.63%
$150
$150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
$390
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
0 x $1 = $0
0 x $1 = $150
Total Net Estimated Rewards Through 24 Months 390

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 13.24% - 23.24% Variable

Card Details

  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 3% cash back on gas, and 2% cash back at grocery stores for the first $1,500 in combined purchases each quarter
  • 1% cash back elsewhere.
  • 0% APR for the first 12 billing cycles and for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.
BankAmericard Cash Rewards™ Credit Card
No Annual Fee 1.62%
$150
$150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
$390
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
0 x $1 = $150
Total Net Estimated Rewards Through 24 Months 390

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 12.99% - 22.99% Variable

Card Details

  • $150 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 3% cash back on gas, and 2% cash back at grocery stores for the first $1,500 in combined purchases each quarter
  • 1% cash back elsewhere.
  • 0% APR for the first 12 billing cycles and for any balance transfers made in the first 60 days, then, 12.99% - 22.99% Variable APR. 3% fee (min $10) applies to balance transfers.
Chase Freedom®
$0 1.62%
$150
Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
$390
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
0 x $1 = $150
Total Net Estimated Rewards Through 24 Months 390

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 16.74% - 25.49% Variable

Card Details

  • Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
  • Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
  • Enjoy new 5% categories each quarter
  • Unlimited 1% cash back on all other purchases - it's automatic
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 16.74-25.49%. Balance transfer fee is 5% of the amount transferred, $5 minimum
  • Cash Back rewards do not expire as long as your account is open and there is no minimum to redeem for cash back.
  • Free credit score, updated weekly with Credit Journey℠
  • No annual fee
Capital One® QuicksilverOne® Cash Rewards Credit Card
$39 1.17%
$0
$282
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 360 x $1 = $360
Less Annual Fees -$78
Total Net Estimated Rewards Through 24 Months 282

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $39
APR 24.99% (Variable)

Card Details

  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
  • Help strengthen your credit for the future with responsible card use
  • Get customized alerts and manage your account with the Capital One mobile app

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

World Wildlife Fund Credit Card
Image of World Wildlife Fund Credit Card No Annual Fee 1.42%
$100
$100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
$340
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
0 x $1 = $0
0 x $1 = $100
Total Net Estimated Rewards Through 24 Months 340

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 13.24% - 23.24% Variable

Card Details

  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 3% cash back on gas, and 2% cash back at grocery stores for the first $1,500 in combined purchases each quarter
  • 1% cash back elsewhere.
  • 0% APR for the first 12 billing cycles and for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.
U.S. Pride® Credit Card
Image of U.S. Pride® Credit Card No Annual Fee 1.42%
$100
$100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
$340
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
0 x $1 = $0
0 x $1 = $100
Total Net Estimated Rewards Through 24 Months 340

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 13.24% - 23.24% Variable

Card Details

  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 3% cash back on gas, and 2% cash back at grocery stores for the first $1,500 in combined purchases each quarter
  • 1% cash back elsewhere.
  • 0% APR for the first 12 billing cycles and for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.
MLB® Credit Card
Image of MLB® Credit Card No Annual Fee 1.42%
$100
$100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
$340
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
0 x $1 = $0
0 x $1 = $100
Total Net Estimated Rewards Through 24 Months 340

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 13.24% - 23.24% Variable

Card Details

  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 3% cash back on gas, and 2% cash back at grocery stores for the first $1,500 in combined purchases each quarter
  • 1% cash back elsewhere.
  • 0% APR for the first 12 billing cycles and for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.
Ally CashBack Credit Card
No Annual Fee 1.42%
$100
Receive a $100 bonus when you make $500 in eligible purchases during the first 3 billing cycles
$340
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 24,000 x $0.01 = $240
Bonuses
0 x $0.01 = $0
0 x $0.01 = $100
Total Net Estimated Rewards Through 24 Months 340

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 13.24%, 18.24% or 23.24% Variable

Card Details

  • 2% cash back at gas stations and grocery stores
  • 1% cash back on all other purchases
  • $100 bonus when you make $500 in eligible purchases during the first 3 billing cycles
  • 10% Ally Deposit Bonus when you deposit your cash rewards into an eligible Ally Bank account
BankAmericard Cash Rewards™ for Students
No Annual Fee 1.42%
$100
$100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
$340
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Bonuses
0 x $1 = $100
Total Net Estimated Rewards Through 24 Months 340

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 13.24% - 23.24% Variable

Card Details

  • $100 online cash rewards bonus after you spend at least $500 on purchases in the first 90 days of account opening
  • 3% cash back on gas, and 2% cash back at grocery stores for the first $1,500 in combined purchases each quarter
  • 1% cash back elsewhere.
  • 0% APR for the first 12 billing cycles and for any balance transfers made in the first 60 days, then, 13.24% - 23.24% Variable APR. 3% fee (min $10) applies to balance transfers.
PNC CashBuilder® Visa Credit Card
No Annual Fee 1.25%
$0
$300
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 300 x $1 = $300
Bonuses
0 x $1 = $0
0 x $1 = $0
Total Net Estimated Rewards Through 24 Months 300

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 13.24% to 22.24% Variable

Card Details

  • 1.25% to 1.75% cash back depending on how much you spend or your banking relationship with PNC
  • Earn between 1.25% and 1.75% cash back on all purchases, depending on how much you spend
  • Redemptions start at $50
  • Rewards don't expire
  • $0 Fraud Liability
BP Visa® Credit Card
No Annual Fee 0.75%
$0
$180
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 18,000 x $0.01 = $180
Bonuses
0 x $0.01 = $0
0 x $0.01 = $0
Total Net Estimated Rewards Through 24 Months 180

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 27.24%

Card Details

  • Introductory Offer: Earn 25¢ off** per gallon For every $100 you spend with your BP Visa® Credit Card or BP Credit Card for the first 90 days your account is open (excluding non-BP gas stations)
  • 25¢ off per gallon for every $100 you spend at BP
  • 15¢ off per gallon for every $100 you spend for eligible groceries, dining and travel
  • 5¢ off** per gallon for every $100 you spend everywhere Visa® credit cards are accepted (excluding non-BP gas stations)
  • No annual fee
National Geographic Platinum Edition® Visa®
No Annual Fee 1.21%
$50
Receive 5,000 bonus points after you spend $1,500 in the first 3 billing cycles
$290
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 24,000 x $0.01 = $240
Bonuses
0 x $0.01 = $0
5,000 x $0.01 = $50
Total Net Estimated Rewards Through 24 Months 290

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 15.99% - 22.99% Variable

Card Details

  • Receive 5,000 bonus points after you spend $1,500 in the first 3 billing cycles
  • 2 points per $1 spent on purchases made through National Geographic
  • 1 point per $1 spent eveywhere else
  • 12 digital issues of National Geographic magazine plus online archive
  • 20% off qualifying purchases through the National Geographic catalog and online store
  • $250 off Nat Geo Expeditions and Adventure trips
Journey® Student Rewards from Capital One®
$0 1.00%
$0
$240
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 240 x $1 = $240
Total Net Estimated Rewards Through 24 Months 240

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 24.99% (Variable)

Card Details

  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • Enjoy no annual fee and no foreign transaction fees
  • Get a head start and build your credit with responsible use
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • Pick the monthly due date that works best for you
  • Get customized alerts and manage your account with the Capital One mobile app

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Bottom Line: Do we think the Citi® Double Cash Card is Worth It?

Considering that the card has no annual fee, and you will not find a better rewards rate on any cash back card, we recommend this card to most people who can get it. The Citi® Double Cash Card does require a good to excellent credit score to get – but it is well worth the patience. This card is also a good companion card to any existing rewards credit cards you may have. If your current credit card can get you a rewards rate higher than what the Citi® Double Cash Card provides, gof ro it. But any time you would fall below the this card's max payout, it is a good time to take the Citi® Double Cash Card out of your wallet.

Comments and Questions

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website.

Info about the following cards: American Express® Gold Card, Delta Reserve® Credit Card from American Express, Platinum Delta SkyMiles® Credit Card, Starwood Preferred Guest® Credit Card from American Express, Hilton Honors Surpass® Credit Card, American Express® Blue Sky, American Express® Green Card, The Amex EveryDay® Preferred Credit Card from American Express, The Plenti® Credit Card from Amex, Blue from American Express®, Platinum Card® from American Express Exclusively for Mercedes-Benz, Bluebird, Centurion® Card from American Express, Hilton Honors American Express Aspire Card, Starwood Preferred Guest® American Express Luxury Card, and American Express Cash Magnet℠ Card has been collected independently by ValuePenguin. The issuer did not provide the details, nor is it responsible for their accuracy.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program. 

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

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Disclaimer: The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone. For a full list of our advertisers, see our disclosure page.

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