Citi Double Cash Card Calculator

Card Details & Citi Cash Back Calculator
1% All Purchases
1% When You Pay Off Purchases

Review the benefits of the Citi Double Cash Card, calculate how much cash back you can earn based on your spend, and compare results side by side top cards.

The Citi Double Cash Card is one of the more popular cash back credit cards due to earning 2% cash back on all purchases while having no annual fee. Redemptions with Citi are pretty straightforward for those who want to use their earned cash back for cash, statement credits, and gift cards. Earned cash back can also be converted to Citi ThankYou Points which makes the Citi Double Cash Card an essential card for those looking to maximize their rewards in the ThankYou Rewards Program. All around, it's a great card to have in your wallet.

Bonus Categories

The Citi Double Cash Card earns cash back at a flat rate and does not feature any bonus categories. You'll earn an unlimited 1% in cash back when you make purchases on the card and an additional 1% when you pay off the purchases you've made to the card. There's no limit to the amount of cash back you can earn with the Citi Double Cash Card overall.

  • 2% All Purchases
    • 1% on purchases; 1% when you pay off those purchases.

Perks & Benefits

The Citi Double Cash allows you to miss a payment without being charged a fee and convert your cash back into ThankYou Rewards Points.

  • Late Fee Pass
    • Waives the late fee the first time you miss a payment.
  • Convert To ThankYou Points
    • Cash back can be converted to ThankYou Points at a 1 cent for 1 point ratio.
    • This benefit makes this card a must have for those earning ThankYou Points.
    • ThankYou Points can be transferred to airline miles if you own the Citi Premier Card or Citi Prestige Card.

Sign Up Bonus (SUB)

The standard bonus for the Citi Double Cash Card is $100 after spending $500 on the card within the first 3 months of account opening. In terms of ThankYou Points, this would be equal to 10,000 points when transferred which can be worth anywhere from $50 to $150+ depending on how you redeem your ThankYou Points.


Annual Fee

The Citi Double Cash Card does not have an annual fee. This means you will always earn at least a return of 2% on all of your spend which is great.

Authorized User Fee

The Citi Double Cash Card does not charge an authorized user fee for adding additional users to the account. With such a great earning rate and fee, I highly recommend adding additional users to build cash back faster.

Foreign Transaction Fee

The Citi Double Cash Card has a foreign transaction fee of 3% which makes it a horrible choice for international travel and purchases. International spend will eat up your full 2% in rewards along with an additional 1% on top of that. There's no options for earning Citi cash back outside of the United States, so if you dabble in international spending you'll want to find another card to use such as 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 other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
Search Results Display Here
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.
Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User 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 based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

Recommended Reads