Does the Citi Double Cash Card Have an Annual Fee?

No. The Citi Double Cash card has no annual fee. You pay $0 per year to keep the card open, earn rewards, and access all of its benefits, with no minimum spend required to waive the fee and no introductory period after which a fee kicks in.

What You Get for $0 Per Year

A $0 annual fee does not mean a stripped-down card. The Citi Double Cash is consistently ranked among the best no-annual-fee cash back cards available because of what it offers at zero cost:

• 2% cash back on every purchase, with no categories to track and no caps. 1% when you buy, 1% when you pay.
• $200 welcome bonus after spending $1,500 in the first 6 months
• 0% intro APR on balance transfers for 18 months, one of the longest windows available on any no-annual-fee card
• Extended warranty coverage on eligible purchases, up to 24 additional months (reinstated November 2024)
• Citi Quick Lock to freeze your card instantly from the app
• $0 fraud liability on unauthorized charges
• Free FICO score monitoring through the Citi Mobile app

Are There Any Other Fees?

The Citi Double Cash has no annual fee, but like all credit cards it does have other fees in specific situations:

• Foreign transaction fee: 3% on purchases made outside the US or processed in a foreign currency. This is worth knowing before using the card internationally.
• Balance transfer fee: 3% (minimum $5) for transfers completed within the first 4 months of account opening, then 5% after that
• Cash advance fee: Either $10 or 5% of the amount, whichever is greater
• Late payment fee: Up to $41

None of these apply to everyday purchases paid on time within the US. For a cardholder who uses the card for regular domestic spending and pays their balance in full each month, the effective cost of owning the Citi Double Cash is zero.

How It Compares to Cards With Annual Fees

Annual fee cards justify their cost through higher rewards rates, travel credits, or premium perks. The question is always whether the value you extract exceeds what you pay. For the Citi Double Cash, that math never needs to be done because the fee is $0.

For context, the Citi Strata Premier, Citi’s mid-tier travel card, charges $95 per year and earns 3x points on hotels, flights, restaurants, supermarkets, and gas stations. If you travel frequently and spend heavily in those categories, the higher rewards rate may justify the fee. If you want simplicity and guaranteed 2% on everything without tracking categories or calculating breakeven points, the Citi Double Cash is the better fit.

The Bottom Line

The Citi Double Cash card costs $0 per year, earns 2% cash back on every purchase, and comes with a 18-month 0% balance transfer offer and extended warranty protection. The only fees that apply are in specific situations: international purchases (3% foreign transaction fee), late payments (up to $41), and balance transfer fees. For everyday domestic spending paid on time, the cost is zero.