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Citi Double Cash Card

Citi Double Cash Card

Categories
Finance

1% when you buy, 1% when you pay (= 2% flat). No bonus categories, no caps, $0 annual fee. Best flat-rate cashback in 2026.

📐 Simplest

Now eligible to convert to ThankYou Points if you also have a Strata Premier — a hidden travel-card upgrade path.

Citi Double Cash Card is the no-thought option. 1% when you buy, 1% when you pay = 2% flat. No categories, no caps, no quarterly activations. Annual fee $0. The 'when you pay' structure encourages paying off the balance — design choice, not a gimmick.

Pros

  • True 2% flat with no caps
  • Transfers to ThankYou Points for travel

Cons

  • No introductory bonus relative to competitors
Price
$0
Reference price
View deal · Official

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