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Credit card · Citi
Last verified June 16, 2026

Citi Double Cash

$200 cash back — delivered as 20,000 ThankYou points — after you spend $1,500 in the first 6 months, on a no-annual-fee card that also earns a flat ~2% on everything (1% when you buy, 1% when you pay). The honest catches: the 'cash back' is technically points you redeem for cash, and the card carries a 3% foreign transaction fee, so it's a poor travel companion abroad. Strong as both a quick bonus and a long-term everyday keeper.

The deal

Spend $1,500 on purchases in the first 6 months of account opening

The walkthrough

  1. 01 Apply for the Citi Double Cash (no annual fee).
  2. 02 Put everyday spending on the card to reach $1,500 in purchases within 6 months — about $250/month.
  3. 03 Pay your statement on time so you also bank the second 1% (the 'pay' half earns as you pay down purchases).
  4. 04 After the spend posts, redeem the 20,000 ThankYou points for $200 cash (statement credit, check, or direct deposit).

What to watch for

  • ! Citi's 48-month rule: no bonus if you got a Double Cash new-account bonus in the past 48 months; the closely-related Rewards+ card shares this family.
  • ! 3% foreign transaction fee — don't use it abroad.
  • ! The bonus pays as 20,000 ThankYou points, not an instant statement credit; you must redeem them for the $200.
Editorial note

Offers change frequently. BonusPrimer verifies every bonus monthly, but before you apply, confirm the current terms directly with the issuer. We are not a bank and do not decide approvals. Our methodology →