Citi Double Cash
Set-it-and-forget-it 2% on everything
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5-year value calculator
How much Citi Double Cash actually pays you over time, net of annual fees.
Includes 40% in this card's boost category, 60% general spend.
Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.
Reward rates
What you earn back, by category.
$200 cash back after spending $1,500 in first 6 months
What you get
- 1% cash back when you buy + 1% when you pay
- No annual fee
- No category restrictions or rotating bonuses
- 0% intro APR on balance transfers for 18 months
- Convert cash back to ThankYou Points (transferable to airline partners)
Eligibility
These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.
Best SaaS to pay with the Citi Double Cash
The SaaS subscriptions where Citi Double Cash earns the most for you — ranked by net annual savings vs a default 3.5%-forex retail card. If your stack covers all six, the modelled savings stack to ≈ ₹2,43,270/yr.
Greenhouse
2% rewards on hr category — better than the 1% default.
Drift
2% rewards on crm category — better than the 1% default.
Vanta
2% rewards on engineering category — better than the 1% default.
Drata
2% rewards on engineering category — better than the 1% default.
WorkOS
2% rewards on auth category — better than the 1% default.
dbt
2% rewards on database category — better than the 1% default.
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