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Citi Double Cash: $200 after $1,500 in 6 months, 2% back on everything, no fee

Our take

A $200 bonus on a flat-2% card with a six-month spending window is as low-effort as it gets. Not exciting, but it's the card that should be in every wallet for the purchases nothing else bonuses.

Who it's for

Everyone. It's the card for the purchases nothing else bonuses, and the $200 is a six-month, $1,500 ask.

Rates & fees at a glance

Welcome bonus	$200 cash back
Spend requirement	$1,500 in the first 6 months
Annual fee	$0
APR	0% intro APR on balance transfers for 18 months, then 18.49%–28.74% variable
Earns	cash back (ThankYou points)
Network	Mastercard
Checked	Oct 8, 2026 on Citi's site

How to stack it

• Time the application with a big planned expense (insurance, tuition, a trip) so the spend requirement is money you'd spend anyway.
• Shop through a cashback portal and the card's own offers (Chase Offers, Amex Offers, Capital One Offers) while meeting the spend — the bonus stacks on top of normal earning.
• Set a calendar reminder for the end of the spend window and another before the first annual fee posts.

Verified: Citi's Double Cash page, Oct 8, 2026: “Earn $200 cash back bonus after spending $1,500 on purchases in the first 6 months of account opening.” $0 annual fee. Source: citi.com. Offers change; the issuer's page is final.

Advertiser & referral disclosure: StackTheDeal may receive a referral bonus or commission when you apply for a card or open an account through links on this page. That never changes which offers we post or what we say about them. Offer terms are as shown on the issuer's own page on the date checked; the issuer's page is final, and offers can change or end without notice. We are not a bank or lender and do not make credit decisions. How we make money.

Common questions

How does 2% work?

1% when you buy, 1% when you pay the bill. Pay in full and you net 2% on everything, no categories, no caps.

Answered by StackTheDeal

Can I get this if I have other Citi cards?

Yes. Citi's main restriction is no Double Cash bonus if you opened or closed a Double Cash in the last 48 months. Other Citi cards don't matter, except for Citi's 1-per-8-days and 2-per-65-days application rules.

Answered by StackTheDeal

Is the $200 bonus new?

Citi's public offer has gone back and forth between no bonus and $200 for $1,500 in 6 months. The $200 is on Citi's page now, so grab it while it's there.

Answered by StackTheDeal

Can I convert the cash to points?

Yes. Cash back earns as ThankYou points you can redeem for cash or, if you also hold a Strata Premier, transfer to airlines and hotels.

Answered by StackTheDeal

Annual fee? Foreign transaction fee?

No annual fee. There is a 3% foreign transaction fee, so use a different card abroad.

Answered by StackTheDeal

Does 5/24 apply?

Only for Chase cards. Citi doesn't use 5/24, but this card will count toward your 5/24 for future Chase applications.

Answered by StackTheDeal

Apply on Citi's site 👉

Questions about this offer?

💬 Ask us and we'll check it for you: message us on WhatsApp or email stackthedeal@gmail.com. Found it cheaper? Tell us and we'll update the post.