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Personal card · Citi

Citi Double Cash Card

2% on everything (1% when you buy, 1% when you pay), earned as ThankYou points

Annual fee
$0
Everything else
2X
Cash out
1¢/pt
Swype estimate
1¢/pt
View on CitiCompareAsk Alfi
Citi Double Cash Card

What a point is worth

¢ per point · value of 10,000 points

  • Cash out

    Cash back or statement credit

    1¢$100

  • Swype estimate

    Transfers at this card’s reduced ratios

    1¢$100

Swype ranks this card at 1¢ per point — an estimate, not a guaranteed value.

How these numbers work

Cash out and fixed travel rates are what the program pays per point. Issuers show them in your account rather than on product pages, so Swype records the rates reported by the sources below.

Swype estimate: 80% of the lowest independent valuation, rounded down. It assumes you transfer to airline or hotel partners and book typical awards; your result can be higher or lower. Independent valuations for this currency run 1.6¢–1.9¢.

Citi Strata’s unlinked cash-out rate is reported by one outlet at 0.5¢; Swype couldn’t confirm it with Citi.

Checked Oct 21, 2026.

How it earns

  • 5X

    Hotels, car rentals and attractions via Citi Travel

    Issuer travel portal only

  • 2X

    Everything else

Points per dollar. What a point is worth is shown above.

Transfer partners

Transfers at reduced ratios on this card (most airlines 1,000 → 700). Combine ThankYou points into Strata Premier or Strata Elite to transfer at full ratios. Partner miles or points per 1,000 card points.

Airlines

  • American Airlines AAdvantage700
  • Avianca LifeMiles700
  • Cathay Pacific Asia Miles700
  • Emirates Skywards560
  • Etihad Guest700
  • EVA Air Infinity MileageLands700
  • Air France-KLM Flying Blue700
  • Japan Airlines Mileage Bank700
  • JetBlue TrueBlue700
  • Qantas Frequent Flyer700
  • Qatar Airways Privilege Club700
  • Singapore Airlines KrisFlyer700
  • Thai Royal Orchid Plus700
  • Turkish Airlines Miles&Smiles700
  • Virgin Atlantic Flying Club / Virgin Red700

Hotels & rail

  • Accor Live Limitless350
  • Choice Privileges1,050
  • Leading Hotels of the World Leaders Club140
  • I Prefer Hotel Rewards1,400
  • Wyndham Rewards700

Use these points on a trip

Travel shows flights and hotels Citi ThankYou points can book, priced in cash and in points, and whether using them beats paying.

Flights Hotels

Moving these points

Step-by-step transfer paths for the programs this card can reach.

Citi ThankYou Rewards

ThankYou points transfer to 15 airline and 5 hotel programs. Strata Premier and Strata Elite get full ratios — including 1:1 to American AAdvantage — while Double Cash and Strata get 1,000:700.

Open ThankYou transfers

Step by step

  1. 1

    Open Points Transfer on thankyou.com

    Sign in to thankyou.com and open More Ways to Redeem, then Points Transfer.

    thankyou.comMore Ways to RedeemPoints Transfer

  2. 2

    Pick the partner and check your card's ratio

    Each partner shows separate ratios for Strata Premier/Elite and for no-fee cards. Make sure points sit in your premium account.

    Select partnerReview ratio

  3. 3

    Transfer and book

    Enter the amount (minimum 1,000 points), confirm, and book with the partner.

    Start TransferConfirm

Flights

  • Citi is the only one of the six big US currencies that transfers directly to American Airlines AAdvantage.
  • Combine Double Cash points into Strata Premier to transfer at full ratios.

Hotels

  • Choice Privileges is 1,000:1,500 and I Prefer 1,000:2,000 from premium cards.

Watch for

  • Check thankyou.com for temporary transfer bonuses (e.g. JAL and LifeMiles bonuses in October 2026).
  • Cash back is 0.75¢ per point on Strata Premier and Strata Elite, or 1¢ if you also hold a linked Double Cash or Custom Cash.

Popular partners

  • Flying Blue
  • Singapore KrisFlyer
  • Turkish Miles&Smiles
  • Qatar Privilege Club
  • Cathay Asia Miles
  • Virgin Atlantic Flying Club
  • JAL Mileage Bank
  • Thai Royal Orchid Plus

Partner ratios read from thankyou.com on 2026-10-20.

Official references