Citi Double Cash
The benchmark 2% card, that secretly earns transferable points.
Welcome Bonus
20,000
≈$200 value
Spend Requirement
$1,500
in 6 months
Annual Fee
$0
3% FTF
Credit Score
670+
(Good)
Current offer note: $200 cash back
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-01-15 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 2xEverything (1% buy + 1% pay)
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Converts to full ThankYou points beside a Strata Premier/Elite
- ✦No annual fee
Why it earns its spot
- +2% floor on all spend
- +Upgrade path into transferable points
Where it costs you
- −3% FTF
- −No bonus categories
The Compound Verdict
Everyone should have a 2% floor card. This one upgrades into transferable currency the day you add a Strata, that flexibility wins the tiebreak.
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