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Citi Cash Back Credit Card – Benefits, Fees & Eligibility

The Citi Double Cash Card is a popular cash back credit card offering an unlimited 2% cash back on all purchases, split between 1% when you buy and 1% when you pay. It features no annual fee and an attractive 0% introductory APR on balance transfers for 18 months. This card is ideal for individuals seeking straightforward rewards on everyday spending and those looking to consolidate debt.
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Is the Citi Cash Back Credit Card Right for You?

A quick look at who this card is best for, key costs, and things to consider.

The Citi Cash Back Credit Card is best suited for users who prioritize Shopping, Travel. With a joining fee of None and a renewal fee of None, this card offers free entry for new applicants. It offers Cashback as its primary reward mechanism, with a rewards rate of Earn unlimited 2% cash back on every purchase; 5% on hotels, car rentals, and attractions booked through Citi Travel..

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Last updated: 1 May 2026

Key Card Details

Joining Fee

None

Renewal Fee

None

Reward Type

Cashback

Things to Consider

The card lacks specific bonus categories for dining, movies, or fuel beyond general spend.

No complimentary airport lounge access or premium travel perks are offered with this card.

Interest is charged on new purchases if a balance transfer is not paid in full monthly.

Last updated: 1 May 2026

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Earn $200 Cash Back after spending $1,500 on purchases in the first 6 months of account opening.

Rewards Rate

Earn unlimited 2% cash back on every purchase; 5% on hotels, car rentals, and attractions booked through Citi Travel.

Reward Type

Cashback

Travel Benefits

Earn a total of 5% cash back on hotels, car rentals, and attractions booked through Citi Travel.

Fees & Charges

Know the costs before applying to avoid surprises later

Interest Rates

0% intro APR for 18 months on balance transfers; variable APR 17.49% - 27.49% thereafter.

Pros & Cons

Weigh the advantages and limitations

Pros

Key benefits and features of this card.

Earn unlimited 2% cash back on all purchases, a straightforward and rewarding structure.

Enjoy the benefits of this card without paying any annual fee whatsoever.

Benefit from a long 0% introductory APR on balance transfers for debt consolidation.

Get enhanced 5% cash back on travel bookings made via the Citi Travel portal.

Cons

Key drawbacks and limitations of this card.

The card lacks specific bonus categories for dining, movies, or fuel beyond general spend.

No complimentary airport lounge access or premium travel perks are offered with this card.

Interest is charged on new purchases if a balance transfer is not paid in full monthly.

Product Details

Comprehensive information about this credit card

No annual fee.

Offers unlimited 2% cash back on all purchases.

Provides a 0% introductory APR for 18 months on balance transfers.

Opportunity to earn enhanced cash back on Citi Travel bookings.

What matters, explained clearly

Detailed evaluation to help you make the right decision

Citi Double Cash® Card

Introduction

The Citi Double Cash® Card, issued by Citi, is a popular mid-range cash back credit card known for its straightforward rewards structure. It offers an unlimited 2% cash back on every purchase, split between 1% when you buy and an additional 1% as you pay. This card also stands out with no annual fee and an attractive introductory 0% APR offer on balance transfers, making it a strong contender for everyday spending and debt consolidation.

Welcome Benefits

  • Earn 200 Cash Back after spending 1,500 on purchases in the first 6 months of account opening.

Fees

  • Joining Fee: None
  • Renewal Fee: None
  • Interest Rates:
    • 0% intro APR for 18 months on balance transfers from the date of account opening.
    • After the introductory period, the variable APR will be 17.49% - 27.49%, based on your creditworthiness.
    • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.

Rewards

  • Earn unlimited 2% cash back on every purchase: 1% when you buy and an additional 1% as you pay.
  • Earn a total of 5% cash back on hotels, car rentals, and attractions booked through Citi Travel.

Important Product Details

  • No annual fee.
  • Offers unlimited 2% cash back on all purchases.
  • Provides a 0% introductory APR for 18 months on balance transfers.
  • Opportunity to earn enhanced cash back on Citi Travel bookings.

Other Details

  • Application responses are typically provided in under a minute.
  • Refer to Important Pricing & Information for full terms and conditions.

Costco Anywhere Visa® Card by Citi

Introduction

The Costco Anywhere Visa® Card by Citi is a co-branded, mid-range cash back credit card designed specifically for Costco members. It offers accelerated cash back rewards across various categories, including gas, restaurants, travel, and Costco purchases. A key benefit is that it carries no annual fee with a paid Costco Membership and features no foreign transaction fees, making it a valuable card for both everyday spending and international travel for Costco loyalists.

Fees

  • Joining Fee: None (with a paid Costco Membership)
  • Renewal Fee: None (with a paid Costco Membership)
  • Foreign Currency Markup: No foreign transaction fees.

Rewards

  • Earn 5% cash back on Costco gas and 4% on other eligible gas and EV charging, on a combined $7,000 spend per year, then 1% thereafter.
  • Earn 3% cash back on restaurants and eligible travel, including Costco Travel.
  • Earn 2% cash back on all other purchases from Costco and Costco.com.
  • Earn 1% cash back on all other purchases.
  • There is no limit on the total cash back you can earn.

Card Eligibility Criteria

  • A paid Costco Membership is required to apply for and maintain this card.

Important Product Details

  • No annual fee with a paid Costco Membership.
  • No foreign transaction fees.
  • Offers high cash back rates on gas, dining, travel, and Costco purchases.
  • Unlimited cash back earning potential.

Other Details

  • Application responses are typically provided in under a minute.
  • Refer to Important Pricing & Information for full terms and conditions.

Costco Anywhere Visa® Business Card by Citi

Introduction

The Costco Anywhere Visa® Business Card by Citi is a co-branded business credit card tailored for small business owners who are Costco Members. It empowers small businesses with robust cash back rewards on essential business expenses like gas, restaurants, and travel, alongside purchases made at Costco. This card offers the convenience of adding authorized users to earn cash back on their purchases and provides travel and emergency assistance, all without an annual fee when linked to a paid Costco Membership.

Fees

  • Joining Fee: None (with a paid Costco Membership)
  • Renewal Fee: None (with a paid Costco Membership)

Rewards

  • Earn 5% cash back on Costco gas and 4% on other eligible gas and EV charging, on a combined $7,000 spend per year, then 1% thereafter.
  • Earn 3% cash back on restaurants and eligible travel, including Costco Travel.
  • Earn 2% cash back on all other purchases from Costco and Costco.com.
  • Earn 1% cash back on all other purchases.
  • Add authorized users to your account and earn cash back on their purchases.
  • Receive travel and emergency assistance.

Card Eligibility Criteria

  • A paid Costco Membership is required to apply for and maintain this card.

Important Product Details

  • No annual fee with a paid Costco Membership.
  • Specifically designed for small businesses that are Costco Members.
  • Allows for authorized users to maximize cash back earnings.
  • Includes valuable travel and emergency assistance benefits.

Other Details

  • Application responses are typically provided in under a minute.
  • Refer to Important Pricing & Information for full terms and conditions.

Citi Custom Cash® Card

Introduction

The Citi Custom Cash® Card, issued by Citi, is a flexible cash back credit card designed to maximize rewards based on your spending habits. It automatically earns 5% cash back on your top eligible spending category each billing cycle, up to $500 spent, adapting to where you spend the most. This card also features no annual fee and an introductory 0% APR on balance transfers, making it an appealing option for those seeking adaptable rewards and potential savings on transferred balances.

Welcome Benefits

  • Earn 200 Cash Back after spending 1,500 on purchases in the first 6 months of account opening.

Fees

  • Joining Fee: None
  • Renewal Fee: None
  • Interest Rates:
    • 0% intro APR for 18 months on balance transfers from the date of account opening.
    • After the introductory period, the variable APR will be 17.49% - 27.49%, based on your creditworthiness.
    • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.

Rewards

  • Earn 5% cash back on your top eligible spending category each billing cycle, up to $500 spent (then 1% cash back).
  • Earn an additional 4% cash back on hotels, car rentals, and attractions booked through Citi Travel.

Important Product Details

  • No annual fee.
  • Automatically earns 5% cash back in your highest eligible spending category.
  • Provides a 0% introductory APR for 18 months on balance transfers.
  • Offers additional cash back on Citi Travel bookings.

Other Details

  • Application responses are typically provided in under a minute.
  • Refer to Important Pricing & Information for full terms and conditions.

Frequently Asked Questions

Clear, concise answers to help you understand this card better.