Double Cash
CitiNo annual feeWorld Elite Mastercard3% foreign transaction feeIssuer's page
Wait for a bigger offer if you can: a higher one ran recently.
Already have it? Keep it.
Welcome bonus
$200
after $1,500 in purchases in the first 6 months
Lower than the 20,000-point offer we last recorded in February 2026.
48 Month Rule, 1 per 8 Days and 3 more. Am I eligible?
This card sets the everyday rate Miles measures every other card against.
| First-year value | Amount |
|---|---|
| Welcome bonus$200 cash | $200 |
| This card is the benchmarkits everyday 2% is what every card is measured against | $0 |
| Annual fee | $0 |
| Meeting the $1,500 minimumearns 2% here, the same as Double Cash | $0 |
| First year | $200 |
| Each year after | +$30 |
Not counted in the first year: protections (each year after counts them).
With a Strata Premier: $355 a year
Earning
| Rate | Category | Return |
|---|---|---|
| 5X | Hotels booked through Citi Travel | 5% (7.5%) |
| 5X | Attractions booked through Citi Travel | 5% (7.5%) |
| 5X | Car rentals booked through Citi Travel | 5% (7.5%) |
| 2X | Everything else | 2% (3%) |
Personal card · Earns Citi ThankYou Rewards
Benefits
Protections (1)
- Extended Warranty, up to $10,000, Doubles the original manufacturer's warranty period, up to a maximum extension of 24 months (original warranty must be 24 months or less)
Other Perks
- Citi Entertainment presale access to exclusive events
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to trueOct 11, 2026
- changed from null to Double CashOct 8, 2026
- changed from null to cash_backSep 30, 2026
- changed from cashback to transferableSep 25, 2026
- changed from transferable to cashbackSep 25, 2026
- changed from null to 1500Aug 13, 2026
- changed from null to 180Aug 13, 2026