Citi · courtesyCiti Double Cash® Card
$0/ year
MastercardThankYou Points valued at 1¢/ptRecent changes: Current annual fee: $0. Previous: N/A (always $0). First-year waived: N/A (no annual fee at all). New vs existing: same — $0 annual fee for all cardmembers.
Benefits, itemized
6 tracked · published maximums — realized value depends on enrollment and timing.2% Cash Back on Purchases (1% when you buy + 1% when you pay)
AccessUnlimited 2% cash back on purchases — 1% when you buy, plus an additional 1% as you pay, on every purchase. No category enrollment, caps, or annual fee.
Terms & eligibility
Cash back earned in the form of ThankYou Points; must pay at least the minimum to earn the 1% pay-side bonus. Balance Transfers do not earn cash back.
Government source · Aug 24, 2026Included
5% Cash Back on Select Travel via Citi Travel Portal (additional 3% on top of 2%)
EarningEarn a total of 5% cash back on hotels, car rentals, and attractions booked through the Citi Travel portal (additional 3% on top of the 1% when you buy and 1% as you pay)
Terms & eligibility
Must book through Citi Travel portal
Government source · Aug 24, 2026Included
0% Intro APR on Balance Transfers for 18 Months
Access0% intro APR on balance transfers for 18 months from date of account opening; then 18.24% - 28.49% variable APR based on creditworthiness
Terms & eligibility
Intro balance transfer fee 3% ($5 minimum) within first 4 months; subject to credit approval
Government source · Aug 24, 2026Included
Mastercard ID Theft Protection
ProtectionMastercard ID Theft Protection monitors information you choose to protect and alerts you if suspicious activity is found
Terms & eligibility
Free enrollment; Mastercard-provided benefit
Government source · Aug 24, 2026Included
Free FICO Score (Citi Mobile App and Citi Online)
AccessFree FICO score available on the Citi Mobile App and Citi Online
Terms & eligibility
ongoing while card is open
Government source · Aug 24, 2026Included
Citi Strata℠ Card Product Change Eligibility (Upgrade path)
AccessCiti suggests Citi Strata Card, Citi Diamond Preferred, Citi Simplicity as related cards — product change may be available
Terms & eligibility
Subject to credit approval; product change must be requested by phone at 1-800-950-5114 (per NerdWallet secondary source)
Government source · Aug 24, 2026Included
Downgrade paths
Product changes usually keep your account age and credit line. Retained-value figures are estimates — confirm specifics with the issuer.
Move to Citi Custom Cash® Card (Upgrade / product-change path)
no annual fee
Community-reported · not guaranteedRetained value not quantifiedExisting Double Cash cardmembers; product change via Citi customer service (1-800-950-5114); Citi historically allowed product changes from Double Cash to Custom Cash but per Doctor of Credit, this has been restricted as of July 2026 Account in good standing; subject to credit approval
Government source · Aug 24, 2026Move to Citi Strata Premier℠ Card (Upgrade path)
$95/yr
Community-reported · not guaranteedRetained value not quantifiedExisting Double Cash cardmembers; product change via Citi customer service Account in good standing; subject to credit approval
Government source · Aug 24, 2026Move to Citi Diamond Preferred® Card / Citi Simplicity® Card
no annual fee
Issuer-documentedRetained value not quantifiedExisting Double Cash cardmembers; product change via Citi customer service Account in good standing; subject to credit approval
Government source · Aug 24, 2026
Recent retention offers
No verified recent data available.
We only show retention data when there are enough community datapoints to be useful. Nothing meets that bar for this card yet.
Offers vary by account and eligibility. Reported outcomes are not guaranteed. Community data shown here is an illustrative sample — never rely on it as a promise of what you'll be offered.
Information is provided for educational and decision-support purposes and may change. Always confirm current terms, benefits, eligibility, fees, and offers directly with Citi.