Citi® Double Cash Card Review 2025: Get 2% Back on Everything — No Strings Attached

This card continues to be a go-to for anyone who wants steady, reliable rewards with zero hassle.

If you’re tired of juggling rotating categories or chasing limited-time promos, the Citi® Double Cash Card might be exactly what you need in 2025. It’s one of the few credit cards that offers a simple, no-gimmicks cash back program: you earn 1% when you buy, and another 1% when you pay. That’s a straight 2% cash back on every purchase — no caps, no category tracking, and no annual fee.

⭐ Key Benefits

• 💵 Earn 2% cash back: 1% when you spend + 1% when you pay it off
• ❌ $0 annual fee
• 🔄 0% intro APR on balance transfers for 18 months
• 🧠 No rotating categories or activation required
• ♾️ Unlimited cash back — no caps or spending limits
• 🎟️ Extras like Citi Entertainment® and Citi Flex Pay

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Who’s This Card Good For?

You’ll love this card if you’re:

• A consistent spender who just wants to swipe and earn, no mental math involved
• A side hustler or freelancer looking to rack up rewards on everyday business costs
• Paying down debt and need that 0% balance transfer window to save some cash

🛠️ How It Works (Easy Breakdown)

1. Apply online — You can pre-qualify without hurting your credit score
2. Use your card — Earn 1% back instantly on every purchase
3. Pay your bill — Earn the second 1% when you pay
4. Cash out — Redeem rewards as a statement credit, bank deposit, check, or gift card
5. Keep earning — No rotating categories or limits to worry about

🆚 Quick Comparison

Feature	Citi® Double Cash	Chase Freedom Unlimited®	Wells Fargo Active Cash®
Flat Cash Back	✅ 2% (1% + 1%)	❌ 1.5%–5% (varies by category)	✅ 2% flat
Annual Fee	$0	$0	$0
0% Balance Transfer APR	18 months	15 months	15 months
Hassle-Free?	✅ Yes	❌ Not always	✅ Yes

👍 Pros & 👎 Cons

Pros

• 2% flat-rate cash back (hard to beat)
• Long 0% intro APR for balance transfers
• No categories, no limits, no annual fee

Cons

• No bonus categories or sign-up bonus
• Has a foreign transaction fee (not ideal for travel abroad)

💬 Final Take

If you want a card that just does its job and pays you back every time, the Citi® Double Cash is still one of the smartest choices in 2025. It’s easy to use, transparent, and refreshingly no-nonsense — perfect for people who want rewards without the games.

👉 Want to see if you pre-qualify? Check in seconds with no impact to your credit score.

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