Citi Double Cash Card Review

The Citi Double Cash Card is loaded with features designed to maximize your rewards and provide exceptional financial flexibility.

For anyone seeking straightforward, high-value rewards without the complexity of rotating categories, the Citi Double Cash Card stands out as a true champion of simplicity and savings. This card is built on a brilliantly simple premise: earn cash back not once, but twice on every single purchase. It’s an incredibly rewarding system for your everyday spending, all with the welcome benefit of a $0 annual fee.

CREDIT CARD

Citi Double Cash

Low Intro APR 2% Cash Back

Twice the cash back. Twice as rewarding:

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The Outstanding Benefits of the Citi Double Cash Card

• Earn 2% Cash Back on Everything: This is the card’s signature feature. You earn an unlimited 1% cash back when you make a purchase, and another 1% cash back as you pay for those purchases. There are no categories to track and no caps on what you can earn.
• Generous Welcome Bonus: New cardmembers can earn a $200 cash back bonus after spending $1,500 on purchases within the first 6 months of opening an account. This bonus is fulfilled as 20,000 ThankYou Points, redeemable for $200 cash back.
• $0 Annual Fee: Enjoy all the benefits of this powerful cash back card without paying an annual fee, ever.
• Enhanced Rewards on Travel: Earn an impressive 5% total cash back on hotels, car rentals, and attractions booked through the Citi Travel portal.

• Lengthy 0% Intro APR on Balance Transfers: Take control of existing debt with a 0% introductory APR for 18 months on balance transfers. This gives you a significant window to pay down balances without incurring interest. (A balance transfer fee applies).
• Flexible Redemption Options: Your rewards are easy to access. Redeem your cash back for a statement credit, a direct deposit into a linked bank account, or a check in the mail.
• Convert to ThankYou Points: The cash back you earn is awarded as valuable Citi ThankYou Points. This gives you the flexibility to transfer them to select airline and hotel partners, potentially for even greater value, especially when paired with a premium Citi credit card.

• Citi Entertainment: Get special access to purchase presale tickets and enjoy exclusive experiences for thousands of events, including concerts, sporting events, and unique dining opportunities.
• $0 Liability on Unauthorized Charges: Shop with confidence knowing you are not responsible for unauthorized charges made to your account.
• Citi Identity Theft Solutions: If you become a victim of identity theft, Citi provides expert assistance to help you resolve the issue.

Who Can Apply?

To be eligible for the Citi Double Cash Card, applicants should generally meet the following criteria:

• Credit Score: A credit score in the fair to excellent range is recommended. Generally, a FICO score of 670 or higher will give you a better chance of approval.
• Age: You must be at least 18 years of age.
• Residency: You must be a U.S. resident with a valid physical address.
• Identification: A Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) is required.
• Income: You will need to provide information about your annual income and major monthly expenses, such as rent or mortgage payments.

How to Apply

Applying for the Citi Double Cash® Card is a straightforward online process.

1. Visit the Citi Website: Navigate to the official Citi Double Cash® Card application page.
2. Check for Pre-Qualified Offers (Recommended): Citi’s website may offer a tool to see if you are pre-qualified for card offers without impacting your credit score. This can give you an idea of your approval odds.
3. Complete the Application: Fill out the secure online application with your personal details, including your full name, address, SSN, and financial information.
4. Review Terms and Conditions: Before submitting, carefully read the card’s terms, rates, and fees.
5. Submit Your Application: Once you’ve verified your information, submit the application. You will often receive a decision within minutes.

Frequently Asked Questions

• How does the 2% cash back actually work?
  It’s simple and unique. You earn cash back in two stages: you receive 1% cash back on the total amount of a purchase when you make it. Then, you receive an additional 1% cash back on that same amount as you make payments towards your balance. To earn the full 2%, you just need to make at least the minimum payment on time each month.
• Is there an introductory APR offer for new purchases?
  No, the current offer for the Citi Double Cash® Card does not include a 0% introductory APR on new purchases. The introductory 0% APR for 18 months applies only to balance transfers. This means any new purchases will begin to accrue interest if you carry a balance.
• Does the card have a foreign transaction fee?
  Yes, the Citi Double Cash® Card typically charges a foreign transaction fee of 3% on purchases made outside the United States. This makes it less ideal for international travel compared to cards with no foreign transaction fees.
• How do I redeem my cash back?
  Redeeming your cash back is flexible. Once you’ve accumulated at least $25 in rewards, you can request a statement credit, a direct deposit into a qualifying bank account, or have a check mailed to you. You can also redeem your rewards (as ThankYou® Points) for travel through the Citi portal, for gift cards, or to shop at participating online retailers.

CREDIT CARD

Citi Double Cash

Low Intro APR 2%Cash Back

Twice the cash back. Twice as rewarding:

APPLY NOW You will be redirected