EARLY ACCESS · Dated provider information. Confirm current terms with the provider.

Untangling the details…

Citi Double Cash | WalletNoodle

Citi Double Cash

Cash back that rewards both buying and paying for purchases.

Citi · Cash back · Facts checked Oct 11, 2026

See how this reward structure fits your spending in our cash-back card comparison.

Facts come from the issuer’s own pages and are a dated snapshot, not a live offer. We last checked them on Oct 11, 2026. Confirm the current terms with the issuer before you apply.

The WalletNoodle take

2%: 1% when buying + 1% as you pay.

Cash back that rewards both buying and paying for purchases.

What stands out

2%: 1% when buying + 1% as you pay.
No annual fee.

Watch out for

The second 1% depends on payment. Missing pricing means you should check the issuer before deciding.
A $0 annual fee doesn’t mean every fee is $0. See interest and fees below.
Some pricing is not confirmed. Check it with Citi before you decide.

How the rewards work.

1% on eligible purchases plus 1% as you pay against your tracked purchase balance.
No category enrollment or cap. Balance transfers do not earn cash back.
Rewards are ThankYou Points, redeemable as cash back.

These rates apply to eligible purchases. The issuer decides which purchases count, and category rules and caps can change. Rewards are usually small next to interest. If you carry a balance, interest can cost more than you earn.

The welcome offer and its strings.

Welcome offerNot confirmed

Who may not get it

Current welcome offer and transfer-pricing numbers were not confirmed.
The issuer states that its introductory balance-transfer offer does not apply to purchases.

We could not confirm a current offer on the issuer's page, so we show none rather than guess.

Interest and fees, untangled.

Regular purchase APR (variable)Not confirmed

Intro APR offerNot confirmed

Balance-transfer feeNot confirmed

Foreign transaction feeNot confirmed

Annual fee$0

Numeric APR, bonus, transfer and foreign-fee fields were missing from the issuer's rendered pricing. Indexed offers disagreed, so we did not reuse their numbers. Confirm current pricing with Citi.

APR is the yearly interest rate on a balance you don’t pay off in full. “Variable” means it can change over time.
We could not confirm the purchase APR on the issuer's page. It is not zero; ask the issuer before you decide.

Good comparisons leave a paper trail.

Product facts come from the issuer pages listed below. We checked them on Oct 11, 2026. The summary and trade-off are our own words. We have not applied for or used this card.

Official issuer product page and terms (opens in a new tab) Used for: annual fee, rewards, offer conditions, what we could not confirm

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Marvin Smit · Founder & editor

Facts taken from the issuer’s own pages. No hands-on card testing.