Citi Double Cash Review

We think the Citi Double Cash, which has no annual fee, is one of the best cash back cards for daily spending. Which also means it’s a great way to pay for a Disney vacation package or parkt tickets. So, we wanted to review it and let you decide if it’s the right fit for your vacation needs.

Sign Up Bonus (Grade: B)

Earn a $150 cash back bonus when you spend $500 in the first three months. For a card with no annual fee, this is a respectable amount but nothing to get excited about.

Daily Spending (Grade: A)

The card offers 1% back in the form of cash when you purchase items using it, and another 1% when you pay those items off (2% total). For a card with no annual fee, 2% is a really nice earning rate. Compare this to the no annual fee Disney Visa, which earns half as much at 1% back in the form of Disney Rewards, and you can see why we give this an “A.”

Cash Back per Dollar Spent
At time of purchase 1%
When you pay it off 1%

Additional Perks (Grade: C+)

Late Fee Pass – You start off with one “Get out of jail free card,” so to speak. If you forget to pay on time, they’ll let it slide with no penalty once.

Redeeming Points (Grade: A+)

It doesn’t get any better or more flexible than cash. Most other rewards cards lock into you into specific travel partners like if you had a Disney card or Southwest Airlines card. Even some of the bank cards that give you the chance to redeem points for cash usually offer it at a subpar redemption rate.

Overall Grade: A-

We really like this card for the Disney fanatic, the person who goes to Disney World or Disneyland year after year and is just looking for a way to put a dent in the cost of tickets. For instance, if you put $30,000 a year on this card from your normal purchases, you’ll end up $600 cash, a nice discount off the price of those tickets.

Citi Double Cash

Apply Now

  • What kind of points: Cash
  • Sign Up Bonus: $100 cash back bonus after you spend $500 in the first three months.
  • Annual Fee: $0
  • How to Earn Points: 1% at purchase, 1% when you pay it off (2% total)
  • Value of a Point: 1.0 cents
  • How to Spend Points: Redeem for cash
  • Our favorite Use: Disney park tickets