Interest Rate: 18.49 % - 28.49 %

Earn 2% cash back on purchases, with additional 1% cash back when you buy, plus an additional 1% as you pay. There are no caps on the cash back you can earn, no categories to track, and your rewards can be redeemed for a statement credit, a direct deposit, or a check. Cash back made easy: that's the promise of the Citi Double Cash® card.

$0 Annual Fee.


Earn cash back rewards in every purchase with the Citi Double Cash® Card. You earn unlimited 1% cash back on purchases made with your cash back credit card, plus another 1% cash back as you pay for those purchases, whether you pay in full or over time. Apply now for one of Citi's best cash back credit cards, with no caps and no category restrictions.

Cash back is earned in the form of ThankYou® Points. This means each billing cycle, you will earn 1 ThankYou® point per $1 spent on purchases and an additional ThankYou® point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker

2% Cash Back:

Earn 1% when you buy

and 1% as you pay

To earn cash back, pay at least the minimum due on time.

You can earn cash back on all your purchases and on payments you make towards your purchases. You do not earn cash back on balance transfers, cash advances, account fees, interest or returned items.

No Caps and No Category Restrictions

Citi Double Cash® Credit Card has no restricting categories to keep track of or to enroll in. There are also no caps on the amount of cash back you earn.


Redeem your points for cash back as a statement credit, direct deposit or check. Or explore other ways to redeem points including for gift cards, travel and Shop with Points at

All Services By Citi Bank

American Airlines AAdvantage® MileUp® Mastercard® Credit Card service icon
With the American Airlines AAdvantage® MileUp® Mastercard®, you'll earn double AAdvantage® miles at grocery stores and on eligible American Airlines purchases. Plus, you’ll earn AAdvantage® miles on all other purchases and a 25% savings on inflight food and beverage purchases on American Airlines flights when you use your card.
Interest Rate: 20.49 % - 29.49 %
AT&T Points Plus℠ Card service icon
With the AT&T Points Plus Card from Citi, you can make every day count. Earn up to $240 back toward your qualifying AT&T wireless bills every year after eligible spend. Plus, you’ll earn ThankYou® Points on every purchase - with 3X points at gas stations, 2X points at grocery stores, and 1X points on all other purchases.
Interest Rate: 20.49 % - 28.49 %
Basic Banking Package service icon
Regular Checking with unlimited access to checks and digital tools.
Business Lines of Credit service icon
No matter what your business requires, our business credit lines can be used to finance a wide range of short-term and recurring needs up to $5,000,000. With a continuously available revolving line of credit, you can take care of cash flow gaps, unexpected costs, and business opportunities.
Checking Plus®  Line of Credit service icon
A Checking Plus® line of credit account provides the overdraft protection you need to make bounced checks a thing of the past. If approved, you can also use this revolving line of credit whenever you need quick access to cash.
Interest Rate: 19.75 % - 22.75 %
Citi® / AAdvantage® Executive World Elite Mastercard® Credit Card service icon
Create truly rewarding travel experiences with the Citi® / AAdvantage® Executive World Elite Mastercard®. You'll get an enhanced airport experience, Admirals Club® access for you and up to two guests and double AAdvantage® miles on eligible American Airlines purchases. When you want to take your travel to the next level, the Citi® / AAdvantage® Executive World Elite Mastercard® makes it happen.
Interest Rate: 20.49 % - 29.49 %
Citi® / AAdvantage® Platinum Select® World Elite Mastercard® Credit Card service icon
Enhance your travel with the Citi® / AAdvantage® Platinum Select® World Elite Mastercard®. Earn American Airlines AAdvantage® miles on every purchase and double AAdvantage® miles on restaurant, gas station and eligible American Airlines purchases. You’ll also receive in-flight benefits like preferred boarding and first checked bag free for you and up to 4 travel companions on domestic itineraries: for travel that’s rewarding in more ways than one.
Interest Rate: 20.49 % - 29.49 %
Citi® Certificate of Deposit service icon
Open a Citi® Certificate of Deposit to earn a guaranteed interest rate on the money you save during the CD term.
Citi® Secured Mastercard® Credit Card service icon
The Citi® Secured Mastercard® is a no annual fee credit card that helps you build your credit history when used responsibly. Also enjoy free access to your FICO® score online once available.
Interest Rate: 26.99 % - 26.99 %
CitiBusiness® / AAdvantage® Platinum Select® Mastercard® Credit Card service icon
Business travel just got better. With the CitiBusiness® / AAdvantage® Platinum Select® Mastercard®, you'll earn AAdvantage® miles on every purchase – and earn double AAdvantage® miles on purchases at telecom merchants, cable and satellite providers, car rental merchants, gas stations and eligible American Airlines purchases. Plus, you'll enjoy in-flight benefits like preferred boarding and your first checked bag free for you and up to 4 travel companions on domestic itineraries.
Interest Rate: 20.49 % - 29.49 %
CitiBusiness® Analyzed Checking Account service icon
Offset your eligible banking fees with earnings credits1 when you maintain an average collected balance of $5,000 per month. Take advantage of our various cash management solutions.
CitiBusiness® Certificates of Deposit (CD) service icon
A smart way to earn better interest on savings. A Certificate of Deposit (CD) makes extra cash work for you with competitive interest rates and a variety of maturity options.
CitiBusiness® Flexible Checking Account service icon
Suitable for businesses that have a high number of transactions every month.
CitiBusiness® Insured Money Market Account (IMMA) service icon
Easy access to your funds. Earn a competitive, tiered interest rate and watch your money work for you.
CitiBusiness® Interest Checking Account service icon
This interest-bearing account is suitable for businesses with fewer monthly transactions.
CitiBusiness® Savings Account service icon
Keep it simple with this FDIC-insured account offering competitive interest rates.
CitiBusiness® Streamlined Checking Account service icon
Best for new and growing businesses. Up to 250 basic transactions monthly.
Citigold® Account Package service icon
Preferred banking benefits and a dedicated team from Citi Personal Wealth Management.
Citigold® Private Client service icon
An elevated tier of Citigold with premier banking and wealth management specialists.
Commercial Mortgages service icon
Commercial mortgage lending solutions provide you the ability to own and control your business facility. We will work with you to structure the right financing for your facility.
Costco Anywhere Visa® Business Credit Card service icon
Earn Costco cash back rewards on all of your business spending with the Costco Anywhere Visa® Business Card by Citi. Receive 4% cash back on eligible gas for the first $7,000 per year, 3% cash back on restaurants and eligible travel, 2% cash back on all other purchases from Costco and, and 1% cash back on all other purchases. When you have the Costco Anywhere Visa® Business Card by Citi, business purchases mean Costco benefits.
Interest Rate: 19.74 % - 19.74 %
Costco Anywhere Visa® Credit Card service icon
Go big with cash back rewards and make every day more rewarding. Earn up to 4% in cash back rewards on eligible purchases anywhere Visa is accepted.
Interest Rate: 19.74 % - 19.74 %
Custom Cash℠ Card service icon
Earn and redeem rewards with a card that automatically adapts to fit your life. With the Citi Custom Cash SM Card, earn extra cash back in the eligible category you spend the most in each billing cycle. Plus, you can enjoy a low intro APR on new purchases and balance transfers for the first 15 months as a new cardholder, all with no annual fee.
Diamond Preferred® Credit Card service icon
Citi® Diamond Preferred® Card offers a low intro APR for new customers on both balance transfers and purchases, giving you time to pay down your debt without adding additional interest charges.
Interest Rate: 17.49 % - 28.24 %
Healthcare Practice Finance service icon
If you’re thinking about purchasing a practice, or refinancing an existing one, we offer competitive fixed rates and flexible financing. Learn how our comprehensive lending solutions across the healthcare industry can help you meet your business needs.
IRA Accounts service icon
With an IRA with Citibank, you can choose from two types of deposit accounts: Insured Money Market Accounts or Certificates of Deposit (CDs). Both are FDIC-insured and have no monthly fee.
Mortgage Refinancing service icon
Our calculator compares your current mortgage to a new one, so you can decide if refinancing is worthwhile.
Premier® Credit Card service icon
Make every moment and every point count. The Citi Premier® Card rewards you with ThankYou® Points for dining at your favorite restaurant, picking up groceries, filling up at the pump, traveling to your next destination and everything in between.
Interest Rate: 20.49 % - 28.49 %
Priority Account Package service icon
Priority banking with financial guidance from Citi Personal Wealth Management.
Rewards+® Credit Card service icon
Watch your rewards grow with the Citi Rewards+® Card that automatically rounds up to the nearest 10 points on every purchase. Earn 2 ThankYou® Points at supermarkets and gas stations for the first $6,000 per year—and earn a 10% bonus on the first 100,000 ThankYou® Points you redeem each year.
Interest Rate: 17.99 % - 27.99 %
Savings Account service icon
Enjoy easy access to your funds while you earn interest. Then, simplify the way you save by setting up automatic transfers and linking your accounts to help meet balance requirements and avoid monthly fees.
Simplicity® Credit Card service icon
Say yes to no annual fee, no late fees and no penalty interest rate with the Citi Simplicity® Card.1 Add in introductory offers with a low intro APR on both balance transfers and purchases and you can simplify your monthly budget as soon as you sign up. The credit card where 'no' is good: no late fees, no penalty rate and no annual fee – ever.
Interest Rate: 18.49 % - 29.24 %
Small Business Administration (SBA) Loans and Lines of Credit service icon
Citi recognizes the importance of small businesses and the hard work of owning one. With our SBA Preferred Lender status, Citi proudly supports the growth and success of small businesses by offering loans up to $5 million.
The Citibank® Account Package service icon
Robust, full-service relationship banking. No Citi fees at non-Citi ATMs when balance requirements met.