Citi Double Cash
The Citi Double Cash from Citi has no annual fee. At $2,650 a month of typical household spending it pays about $636 a year after fees.
Terms checked October 26, 2026. Net values use the spending mix of 1,229 U.S. households in the Bureau of Labor Statistics' Consumer Expenditure Interview Survey. This is an estimate, not financial advice.
What does the Citi Double Cash earn?
2% flat.
How much would it pay you a year?
This is the card's rewards minus its annual fee, at three spending levels, with spending split the way the survey households split theirs. Statement credits and sign-up bonuses are left out.
| Spending a month | Citi Double Cash | Best card here |
|---|---|---|
| $1,500 | $360 | Robinhood Gold Card, $490 |
| $2,650 (the survey median) | $636 | Robinhood Gold Card, $904 |
| $5,000 | $1,200 | Robinhood Gold Card, $1,750 |
The mix is 30% everything else, 25% groceries, 16% phone and utilities, 13% dining, and smaller shares elsewhere. Your own split decides the real answer: add your statements to work it out on what you actually spent.
How did it do for real households?
We ran each of the 1,229 households in the 2024 survey through every card, on 12 straight months of their own spending. It is the flat 2% card every other card on PointMaxx is compared with.
The survey records spending categories but not merchants, so merchant bonuses and statement credits never count there, which favors flat cards. How we ran the household test.
Fees and sign-up bonus
- Annual fee: $0.
- Foreign transaction fee: 3%.
- Sign-up bonus: $200 after $1,500 of spending in 6 months. Offers change and can differ by applicant, so check the issuer's page.
Other benefits
- Extended warranty: secondary coverage
Cards that pay about the same
At $2,650 a month, these pay closest to the Citi Double Cash:
- Wells Fargo Active Cash: $636 a year
- Citi Strata Premier: $657 a year
- Chase IHG Premier: $592 a year
- Amex Blue Cash Preferred: $582 a year
See what it would have paid you
Add your statementsFree, in your browser. Your statements are never uploaded.
PointMaxx runs a year of your own card statements against 53 U.S. cards, after annual fees, caps and the credits you'd really use. No statements on hand? The quick estimate asks seven questions instead.
Sources
- citi.com/credit-cards/citi-double-cash-credit-card
- frequentmiler.com/citi-adds-24-month-extended-warranty-to-double-cash-and-custom-cash/
- Household spending: BLS Consumer Expenditure Surveys public-use microdata, 2024 Interview Survey.
See a wrong rate? Tell us. PointMaxx is not affiliated with or endorsed by Citi; the card's name is used only to say which card is meant.