Citi Double Cash - Cash Back Calculator

Citi Double Cash Card

1% All Purchases
1% When You Pay Off Purchases

Calculate how much cash back you can earn and the cash value of the Citi Double Cash based on monthly/yearly spend and card benefits. Compare results side by side against top cards.


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The Citi Double Cash Card is one of the most popular cash back cards due to it earning 2% cash back while still having no annual fee. It's a simple and easy-to-use card that has straightforward redemptions. The Citi Double Cash Card is good for anyone looking to maximize their spending by never earning less than a 2% return.

Bonus Categories

The Citi Double Cash Card earns cash back at a flat rate per $1 spent. It does not feature any bonus categories. There is no limit to the amount of cash back you can earn with the Citi Double Cash Card.

2% All Purchases

The Citi Double Cash Card earns 2% cash back per $1 spent on all purchases. You will receive 1% cash back when making a purchases and the additional 1% cash back for paying off the purchases. This means you will earn 2 cents for every $1 you run across the card. This is one of the highest paying flat rate cash back cards with no annual fee, which is why it's such a popular card.

The only drawback to the Citi Double Cash (in my opinion) is that it can't be paired with any other Citi Cards to create a great cash back combo. For example, most of the 1.5% cash back cards can be paired with several other cards. The 1.5% cash back earning Cash Magnet Card can be matched with the Blue Cash Everyday or Blue Cash Preferred for a nice combo between several bonus categories. The same with the 1.5% cash back Quicksilver Card. Pair the Quicksilver with the Savor Card or SavorOne Card you have yourself another solid combination of cards. The best you can do with the Double Cash is to stick with cards under the Citi Bank umbrella and pick up one of their popular ThankYou Point Credit Cards which lets you use points to pay for travel, gift cards, and more.

Perks and Benefits

Late Fee Pass

The Citi Double Cash features a Late Fee Pass which waives the first fee the first time you make a payment late. This can be a great perk if a payment is overlooked or cannot be made in time. If you find it hard to keep track of cards, I recommend having an auto payment for the minimum payment on cards. That way cards such as the Citi Double Cash are paid on time. Nothing hurts more than a late fee or a red mark on your credit report.

Convert To ThankYou Points

(Starting September 23rd) Cash back earned with the Citi Double Cash can be converted to ThankYou Points. Those who hold the Chairman, Prestige, or Premier cards will be able to transfer at the rate of 1 cent for 1 point (1:1) and redeem those transferred points with Citi's transfer partners. Those who do not have one of those three cards will only be able to transfer points and use them on JetBlue Airways.

Sign Up Bonus

The Citi Double Cash Card sign up bonus is a $100 cash back bonus after $500 in purchases within the first 3 months of account opening. This is not a high return, but it's not too shabby either.

Credit Card Fees

Fees
Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The annual fee for the Citi Double Cash Card is $0. That means you will always earn a 2% return on all purchases without worrying about trying to break even due to a yearly fee.

Authorized User Fee

There is no authorized user fee for the Citi Double Cash Card. I recommend adding family and friends to help build the cash back balance since the return for all purchases is 2%.

Foreign Transaction Fee

Unfortunately, the Citi Double Cash Card has a foreign transaction fee of 3%. Using this card outside of the United States will eat the value of your rewards. I would not recommend using this card internationally. If you want a card that's just as good as the Citi Double Cash but has no foreign transaction fee, you're going to want to look at the Paypal Cashback Mastercard.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
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0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
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Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Options
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
Deselect All
Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
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Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
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Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
$0
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
$0
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
$0
Total Return
The percent you are earning per dollar spent on this card.
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Page Last Updated: 2018-04-15

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