<bi-shortcode id="disclaimer" class="mceNonEditable" data-type="pointsguy"> </bi-shortcode><bi-shortcode id="commerce-link" class="mceNonEditable" data-cardtype="credit-card" data-pid="5e67d8a184159f65c42a8e05" data-type="undefined">Citi Citi Double Cash Card</bi-shortcode><bi-shortcode id="summary-shortcode" data-type="summary-shortcode" class="mceNonEditable" contenteditable="false">Summary List Placement</bi-shortcode><h2>Review: Is the Citi Double Cash the best credit card for you'</h2><p>While there are many <a href="https://www.businessinsider.com/personal-finance/best-cash-back-credit-cards" target="_blank" rel="noopener">cash-back credit cards</a> that give you 1.5% back on your spending without an annual fee, few surpass that earning threshold. That's why the <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e67d8a184159f65c42a8e05">Citi Double Cash Card</bi-inline-shortcode> is so exceptional.</p><p>With the <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e67d8a184159f65c42a8e05">Citi Double Cash Card</bi-inline-shortcode>, you'll earn 2% cash back (1% when you make a purchase, and 1% when you pay it off) on all purchases, with no limit to what you can earn. It's an ideal card for those who want a solid rewards-earning rate without having to keep track of bonus categories or spending caps.</p><p>Because it has <a href="https://www.businessinsider.com/personal-finance/best-no-fee-credit-card" target="_blank" rel="noopener">no annual fee</a>, the <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e67d8a184159f65c42a8e05">Citi Double Cash Card</bi-inline-shortcode> is a great option as a long-term "keeper card"both for its strong earning and because your average account age is a <a href="https://www.businessinsider.com/personal-finance/what-affects-credit-score" target="_blank" rel="noopener">factor in determining your credit score</a>. And although the card doesn't currently have a welcome bonus, there's an introductory 0% APR offer for balance transfers for the first 18 months (then <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="regular_apr_display" data-customtext="" data-shouldlink="false" data-pid="5e67d8a184159f65c42a8e05">13.99% - 23.99% (Variable)</bi-inline-shortcode>), which can save you money if you're looking to consolidate debt or move a balance from a high-interest credit card.</p><bi-shortcode id="related-article-module" class="mceNonEditable" data-type="5fea2e1f6273f142a3170d24" data-title="I redeemed over $600 in cash back from the Citi Double Cash this year, and I think it's a great 'gateway' card if you're new to credit card rewards" data-url="https://www.businessinsider.com/personal-finance/redeem-citi-double-cash-rewards-cash-back-2020-12" data-thumbnail="https://i.insider.com/5fab1157f24e720018a2ab99" data-shortcode-display-text="Related Article Module: I redeemed over $600 in cash back from the Citi Double Cash this year, and I think it's a great 'gateway' card if you're new to credit card rewards"> </bi-shortcode><p>The <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e67d8a184159f65c42a8e05">Citi Double Cash Card</bi-inline-shortcode> also offers a unique redemption option. Cardholders have the ability to <a href="https://www.businessinsider.com/personal-finance/citi-double-cash-card-earn-cash-back-or-travel-rewards-2020-5" target="_blank" rel="noopener">convert their cash-back rewards</a> into <a href="https://www.businessinsider.com/personal-finance/guide-earning-using-citi-thankyou-points" target="_blank" rel="noopener">Citi ThankYou Rewards points</a>, then redeem them for travel through the Citi travel portal, gift cards, merchandise, and more. </p><p>But if you also have a <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e8216c32d654f76756d3cd2">Citi Premier Card</bi-inline-shortcode> or <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e7a271c671de023ef1cf886">Citi Prestige Card</bi-inline-shortcode>, you can combine your rewards and transfer Citi ThankYou points to 16 airline partners, including Singapore Airlines and Air France / KLM. Redeeming your points this way can often translate into even more value, especially if you book premium-cabin award flights that would otherwise cost a fortune.</p><aside class="quick-tip headline-regular"><p><strong>Bottom line: </strong>Getting 2% back (1% at the time of purchase and 1% when you pay your bill) without an annual fee is an excellent deal. While you can squeeze more value from some <a href="https://www.businessinsider.com/personal-finance/best-travel-rewards-credit-cards" target="_blank" rel="noopener">travel rewards cards</a>, they usually come with an annual fee and require you to optimize how you use the points or miles. If you're after high value and simplicity, the <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e67d8a184159f65c42a8e05">Citi Double Cash Card</bi-inline-shortcode> is hard to beat.</p></aside><bi-shortcode id="table-of-contents-sticky" class="mceNonEditable" data-type="h2">Table of Contents: Masthead Sticky</bi-shortcode><bi-shortcode id="disclaimer" class="mceNonEditable" data-type="pfifinancialresponsibility"> </bi-shortcode><h2>Comparison: Citi Double Cash vs other Citi cards </h2><table style="height: 200px; width: 100%; border-collapse: collapse;" border="1" cellpadding="10px"><tbody><tr style="height: 30px;"><td style="width: 25%; vertical-align: top; height: 30px; text-align: left;"> </td><td style="width: 25%; vertical-align: top; height: 30px; text-align: left;"><strong><bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="product_editorial_name" data-customtext="" data-shouldlink="true" data-pid="5e67d8a184159f65c42a8e05">Citi Double Cash Card</bi-inline-shortcode></strong></td><td style="width: 25%; vertical-align: top; height: 30px; text-align: left;"><strong><bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e7977b8ba85ee40513b74c3">Citi Simplicity Card</bi-inline-shortcode></strong></td><td style="width: 25%; vertical-align: top; height: 30px; text-align: left;"><strong><bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5ea32b720fc6397bc45a1964">Citi Rewards+(SM) Card</bi-inline-shortcode></strong></td></tr><tr style="height: 21px;"><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><strong>Annual fee</strong></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="annual_fee_display" data-customtext="" data-shouldlink="false" data-pid="5e67d8a184159f65c42a8e05">$0</bi-inline-shortcode></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;">$0</td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="annual_fee_display" data-customtext="" data-shouldlink="false" data-pid="5ea32b720fc6397bc45a1964">$0</bi-inline-shortcode></td></tr><tr style="height: 21px;"><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><p><strong>Rewards rate</strong></p></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><p>1% cash back when you buy, plus 1% cash back when you pay your bill</p></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><p>N/A</p><p> </p></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><p>2x points at supermarkets and gas stations for the first $6,000 spent per year, then 1x</p><p>1x on everything else</p><p>All points earnings are rounded up to the nearest 10 points</p></td></tr><tr style="height: 21px;"><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><p><strong>Welcome bonus</strong></p></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><p>N/A</p></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><p>N/A</p></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><p>2x points at supermarkets and gas stations for the first $6,000 spent per year, then 1x</p><p>1x on everything else</p><p>All points earnings are rounded up to the nearest 10 points</p></td></tr><tr style="height: 21px;"><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><p><strong>Intro APR offer</strong></p></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><p>0% intro APR on balance transfers for the first 18 months, then <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="regular_apr_display" data-customtext="" data-shouldlink="false" data-pid="5e67d8a184159f65c42a8e05">13.99% - 23.99% (Variable)</bi-inline-shortcode></p></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><p>0% intro APR on purchases and balance transfers for the first 18 months, then <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="regular_apr_display" data-customtext="" data-shouldlink="true" data-pid="5e7977b8ba85ee40513b74c3">14.74% - 24.74% (Variable)</bi-inline-shortcode></p></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><p>0% intro APR on purchases and balance transfers for the first 15 months, then <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="regular_apr_display" data-customtext="" data-shouldlink="false" data-pid="5ea32b720fc6397bc45a1964">13.49% - 23.49% Variable</bi-inline-shortcode></p></td></tr><tr style="height: 21px;"><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><strong>Foreign transaction fee</strong></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;">Yes</td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;">Yes</td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;">Yes</td></tr><tr style="height: 65px;"><td style="width: 25%; vertical-align: top; text-align: left; height: 65px;"> </td><td style="width: 25%; vertical-align: top; text-align: left; height: 65px;"><bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="brand,name" data-customtext="Learn more" data-shouldlink="true" data-pid="5e67d8a184159f65c42a8e05">Citi Citi Double Cash Card</bi-inline-shortcode></td><td style="width: 25%; vertical-align: top; text-align: left; height: 65px;">Not available through Business Insider</td><td style="width: 25%; vertical-align: top; text-align: left; height: 65px;">Not available through Business Insider</td></tr></tbody></table><h2>Comparison: Citi Double Cash vs other cash-back credit cards</h2><table style="height: 200px; width: 100%; border-collapse: collapse;" border="1" cellpadding="10px"><tbody><tr style="height: 30px;"><td style="width: 25%; vertical-align: top; height: 30px; text-align: left;"> </td><td style="width: 25%; vertical-align: top; height: 30px; text-align: left;"><strong><bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="product_editorial_name" data-customtext="" data-shouldlink="true" data-pid="5e67d8a184159f65c42a8e05">Citi Double Cash Card</bi-inline-shortcode></strong></td><td style="width: 25%; vertical-align: top; height: 30px; text-align: left;"><strong><bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e74250bc4854077bd14edb4">Chase Freedom Unlimited</bi-inline-shortcode></strong></td><td style="width: 25%; vertical-align: top; height: 30px; text-align: left;"><strong><bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e8399cd487c226fc85f360d">Capital One Savor Cash Rewards Credit Card</bi-inline-shortcode></strong></td></tr><tr style="height: 21px;"><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><strong>Annual fee</strong></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="annual_fee_display" data-customtext="" data-shouldlink="false" data-pid="5e67d8a184159f65c42a8e05">$0</bi-inline-shortcode></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="annual_fee_display" data-customtext="" data-shouldlink="false" data-pid="5e74250bc4854077bd14edb4">$0</bi-inline-shortcode></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="annual_fee_display" data-customtext="" data-shouldlink="false" data-pid="5e8399cd487c226fc85f360d">$95 </bi-inline-shortcode></td></tr><tr style="height: 21px;"><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><strong>Rewards rate</strong></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><p>1% cash back when you buy, plus 1% cash back when you pay your bill</p></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><p>5% cash back on travel purchased through Chase Ultimate Rewards</p><p>3% cash back on dining and drugstore purchases</p><p>1.5% cash back on everything else</p><p> </p></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><p>4% cash back on dining and entertainment</p><p>2% back at grocery stores</p><p>1% back everywhere else</p></td></tr><tr style="height: 21px;"><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><strong>Welcome bonus</strong></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;">N/A</td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="intro_bonus_display" data-customtext="" data-shouldlink="false" data-pid="5e74250bc4854077bd14edb4">$200 after spending $500 in the first three months from account opening</bi-inline-shortcode></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="intro_bonus_display" data-customtext="" data-shouldlink="false" data-pid="5e8399cd487c226fc85f360d">Earn a one-time $300 cash bonus once you spend $3,000 on purchases within 3 months</bi-inline-shortcode></td></tr><tr style="height: 21px;"><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><strong>Intro APR offer</strong></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><p>0% intro APR on balance transfers for the first 18 months, then <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="regular_apr_display" data-customtext="" data-shouldlink="false" data-pid="5e67d8a184159f65c42a8e05">13.99% - 23.99% (Variable)</bi-inline-shortcode></p></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><p>0% intro APR on purchases for the first 15 months, then <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="regular_apr_display" data-customtext="" data-shouldlink="false" data-pid="5e74250bc4854077bd14edb4">14.99%23.74% variable APR</bi-inline-shortcode></p><p> </p></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><p> </p><p>N/A</p></td></tr><tr style="height: 21px;"><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;"><strong>Foreign transaction fee</strong></td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;">Yes</td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;">Yes</td><td style="width: 25%; vertical-align: top; height: 21px; text-align: left;">No</td></tr><tr style="height: 65px;"><td style="width: 25%; vertical-align: top; text-align: left; height: 65px;"> </td><td style="width: 25%; vertical-align: top; text-align: left; height: 65px;"><bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="brand,name" data-customtext="Learn more" data-shouldlink="true" data-pid="5e67d8a184159f65c42a8e05">Citi Citi Double Cash Card</bi-inline-shortcode></td><td style="width: 25%; vertical-align: top; text-align: left; height: 65px;"><bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="product_editorial_name" data-customtext="Learn more" data-shouldlink="true" data-pid="5e74250bc4854077bd14edb4">Chase Freedom Unlimited</bi-inline-shortcode></td><td style="width: 25%; vertical-align: top; text-align: left; height: 65px;"><bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="product_editorial_name" data-customtext="Learn more" data-shouldlink="true" data-pid="5e8399cd487c226fc85f360d">Capital One Savor Cash Rewards Credit Card</bi-inline-shortcode></td></tr></tbody></table><h2>How to use rewards from the Citi Double Cash card</h2><p>You can redeem rewards from the <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e67d8a184159f65c42a8e05">Citi Double Cash Card</bi-inline-shortcode> in more ways than you might think.</p><p>If you prefer simplicity, you can redeem rewards for a check, a statement credit, or a credit to your linked account once you have at least $25 in rewards. But you can also <a href="https://www.businessinsider.com/personal-finance/guide-earning-using-citi-thankyou-points" target="_blank" rel="noopener">convert your cash rewards into Citi ThankYou points</a>, then redeem them for travel, gift cards, merchandise, and more. You can even <a href="https://www.businessinsider.com/personal-finance/use-cash-back-cards-pay-off-student-loans" target="_blank" rel="noopener">use Citi ThankYou points to pay down your student loan</a> or mortgage.</p><bi-shortcode id="related-article-module" class="mceNonEditable" data-type="5ea9875ea2fd9103f15d0f25" data-title="I've always loved earning travel rewards, but the travel ban pushed me to apply for Citi's best cash-back card and I couldn't be happier" data-url="https://www.businessinsider.com/personal-finance/why-i-finally-got-citi-double-cash-card-diversify-rewards-2020-4" data-thumbnail="https://i.insider.com/5ea99764a2fd910ca9302188" data-shortcode-display-text="Related Article Module: I've always loved earning travel rewards, but the travel ban pushed me to apply for Citi's best cash-back card and I couldn't be happier"> </bi-shortcode><p>In an interesting twist, the <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e67d8a184159f65c42a8e05">Citi Double Cash Card</bi-inline-shortcode> now lets you transfer converted Citi ThankYou points to one airline partner, JetBlue, at a transfer ratio of 1,000 Citi ThankYou points to 800 JetBlue points. If you also hold the <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e7a271c671de023ef1cf886">Citi Prestige Credit Card</bi-inline-shortcode> or the <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e8216c32d654f76756d3cd2">Citi Premier Card</bi-inline-shortcode>, however, you can combine your points and transfer them at a 1:1 ratio to all Citi's airline transfer partners, including Air France-KLM Flying Blue, Cathay Pacific, and Etihad Guest.</p><h2>Citi Double Cash benefits and features</h2><p>As a no-annual-fee card, the <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e67d8a184159f65c42a8e05">Citi Double Cash Card</bi-inline-shortcode> doesn't come with a ton of cardholder benefits. However, there are a couple that can be very helpful in the right circumstances.</p><h3>Introductory 0% APR on balance transfers for 18 months</h3><p>With the <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e67d8a184159f65c42a8e05">Citi Double Cash Card</bi-inline-shortcode>, you'll qualify for a 0% APR on balance transfers for a full 18 months (balance transfers must be completed in the first four months from account opening), followed by a <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="regular_apr_display" data-customtext="" data-shouldlink="false" data-pid="5e67d8a184159f65c42a8e05">13.99% - 23.99% (Variable)</bi-inline-shortcode> APR. A 3% balance transfer fee applies with a minimum charge of $5.</p><bi-shortcode id="related-article-module" class="mceNonEditable" data-type="5edfd35b5af6cc6e1e7fb84e" data-title="The best 0% APR and low-interest credit cards of 2020" data-url="https://www.businessinsider.com/personal-finance/best-low-interest-credit-cards" data-thumbnail="https://i.insider.com/5edfddf74dca6807ee342ba3" data-shortcode-display-text="Related Article Module: The best 0% APR and low-interest credit cards of 2020"> </bi-shortcode><p>Using a <a href="https://www.businessinsider.com/personal-finance/should-you-use-0-apr-credit-card" target="_blank" rel="noopener">0% APR credit card for balance transfers</a> can save you money if you're <a href="https://www.businessinsider.com/personal-finance/what-is-high-interest-debt" target="_blank" rel="noopener">carrying high-interest debt</a> on other cards. It can also be a good opportunity to simplify <a href="https://www.businessinsider.com/personal-finance/how-to-consolidate-credit-card-debt" target="_blank" rel="noopener">paying down your debt by consolidating everything</a> in one place. Just be sure you're able to make at least the minimum payment each month and have the means to pay the entire balance before the introductory period expires.</p><h3>Pair the Citi Double Cash with the Citi Premier or Citi Prestige</h3><p>If you also have (or are considering) the <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="false" data-pid="5e8216c32d654f76756d3cd2">Citi Premier Card</bi-inline-shortcode> or <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e7a271c671de023ef1cf886">Citi Prestige Credit Card</bi-inline-shortcode>, it's a smart move to pair one of those cards with the <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e67d8a184159f65c42a8e05">Citi Double Cash Card</bi-inline-shortcode>. This would make it possible to extract the maximum return from your rewards, because the <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="false" data-pid="5e8216c32d654f76756d3cd2">Citi Premier Card</bi-inline-shortcode> and <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e7a271c671de023ef1cf886">Citi Prestige Credit Card</bi-inline-shortcode> open the door to transfers to all of Citi's airline partners.</p><bi-shortcode id="related-article-module" class="mceNonEditable" data-type="5fac8391d67e1215b71a9830" data-title="You can transfer Citi ThankYou points to 16 airline partners, and the best programs can save you thousands of miles on flights to destinations like Hawaii" data-url="https://www.businessinsider.com/personal-finance/citi-thankyou-rewards-points-transfer-partners" data-thumbnail="https://i.insider.com/5fbdd2a832f2170011f7115e" data-shortcode-display-text="Related Article Module: You can transfer Citi ThankYou points to 16 airline partners, and the best programs can save you thousands of miles on flights to destinations like Hawaii"> </bi-shortcode><p>If you travel often but like saving money by booking award flights, this is an important factor to consider. But before applying, you should check out Citi's transfer partners to make sure they work for your travel plans. Keep in mind that you can redeem points from these airlines for award flights on partner airlines; for example, because Singapore Airlines is part of the Star Alliance, you can use its miles to book award flights on United (also a Star Alliance member).</p><p>The current <a href="https://www.businessinsider.com/personal-finance/citi-thankyou-rewards-points-transfer-partners" target="_blank" rel="noopener">Citi ThankYou transfer partners</a> all offer a 1:1 points transfer ratio, with one exception noted below:</p><ul><li>Aeromexico Club Premier</li><li>Air France-KLM Flying Blue</li><li>Avianca LifeMiles</li><li>Cathay Pacific Asia Miles</li><li>Emirates Skywards</li><li>Etihad Guest</li><li>Eva Air Infinity MileageLands</li><li>InterMiles (formerly Jet Privilege)</li><li>JetBlue TrueBlue (if you don't have the <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="false" data-pid="5e8216c32d654f76756d3cd2">Citi Premier Card</bi-inline-shortcode> or <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e7a271c671de023ef1cf886">Citi Prestige Credit Card</bi-inline-shortcode>, the transfer ratio is 800 miles for every 1,000 points you convert)</li><li>Malaysia Airlines Enrich</li><li>Qantas Frequent Flyer</li><li>Qatar Airways Privilege Club</li><li>Singapore Airlines KrisFlyer</li><li>Thai Airways Royal Orchid Plus</li><li>Turkish Airlines Miles & Smiles</li><li>Virgin Atlantic Flying Club</li></ul><p>You can also transfer Citi ThankYou points to Sears Shop Your Way rewards at a rate of 1 Citi ThankYou point to 10 Shop Your Way rewards points.</p><bi-shortcode id="related-article-module" class="mceNonEditable" data-type="5f6a036b1e1b35518355f6d4" data-title="Cash-back card face-off: The Citi Double Cash versus the Chase Freedom Unlimited" data-url="https://www.businessinsider.com/personal-finance/citi-double-cash-chase-freedom-unlimited-credit-card-comparison" data-thumbnail="https://i.insider.com/5f6a66a949479600287bda5f" data-shortcode-display-text="Related Article Module: Cash-back card face-off: The Citi Double Cash versus the Chase Freedom Unlimited"> </bi-shortcode><p>Unlocking the ability to transfer points to travel partners with the <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="false" data-pid="5e8216c32d654f76756d3cd2">Citi Premier Card</bi-inline-shortcode> and <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e7a271c671de023ef1cf886">Citi Prestige Credit Card</bi-inline-shortcode>echoes the rules of other <a href="https://www.businessinsider.com/personal-finance/transferable-credit-card-points-best-rewards-to-earn" target="_blank" rel="noopener">transferable points programs</a>. For example, to transfer points to airline and hotel partners with <a href="https://www.businessinsider.com/personal-finance/guide-earning-using-chase-ultimate-rewards-points" target="_blank" rel="noopener">Chase Ultimate Rewards</a>, you'll need an annual-fee card like the <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e67d55684159f610676c264">Chase Sapphire Preferred Card</bi-inline-shortcode>, <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e72234fc48540106c2d63b3">Chase Sapphire Reserve</bi-inline-shortcode>, or <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e7425f9c48540424e6fabb3">Ink Business Preferred Credit Card</bi-inline-shortcode> in your wallet.</p><bi-shortcode id="commerce-link" class="mceNonEditable" data-cardtype="credit-card" data-pid="5e67d8a184159f65c42a8e05" data-type="undefined">Citi Citi Double Cash Card</bi-shortcode><h2>Citi Double Cash fees and costs</h2><p>While the <bi-inline-shortcode id="commerce-link" contenteditable="false" data-fields="name" data-customtext="" data-shouldlink="true" data-pid="5e67d8a184159f65c42a8e05">Citi Double Cash Card</bi-inline-shortcode> doesn't charge an annual fee, there are other fees to be aware of.</p><p>For example, you'll pay a foreign transaction fee on all purchases you make outside the US. If you're heading abroad, use a <a href="https://www.businessinsider.com/best-credit-cards-no-foreign-transaction-fees">card that doesn't charge foreign transaction fees</a> instead.</p><p>You'll also pay a minimum interest charge whenever you carry a balance, and a fee will apply any time you use your credit card for a cash advance. Also, consider the balance transfer fee we already mentioned, which is 3% (minimum $5) of each balance you transfer over.</p><ul class="read-more-links"><li><bi-shortcode id="related-content-module" class="mceNonEditable" data-type="more-credit-card-coverage" data-sheetname="More Credit Card Coverage">Related Content Module: More Credit Card Coverage</bi-shortcode></li></ul><p><a href="https://www.businessinsider.com/personal-finance/citi-double-cash-card-review#comments">Join the conversation about this story »</a></p>
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