The Citi Double Cash Card Review

Earn cash back effortlessly with The Citi Double Cash Card - 2% on every purchase: 1% when you buy and 1% when you pay.

When it comes to credit cards, simplicity and value often go hand-in-hand. The Citi Double Cash Card offers both, making it an excellent choice for those who want straightforward rewards without the hassle of rotating categories or complicated terms.

Its standout feature is its cash back structure – 2% on every purchase: 1% when you make a purchase and another 1% when you pay it off. Whether you’re buying groceries, filling up your tank, or managing everyday expenses, this card ensures you’re always earning. Let’s explore the details and see if this card is the right fit for you.

CREDIT CARD

CITI DOUBLE CASH

NO ANNUAL FEE CASHBACH

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Detailed Benefits

Unlimited Cash Back

The Citi Double Cash Card offers an unmatched advantage by providing a consistent 2% cash back on every purchase. You earn 1% when you make a purchase and another 1% when you pay it off. Unlike many other credit cards that limit rewards to specific categories or spending caps, this card ensures you’re always maximizing your earning potential on every transaction. 

No Annual Fee

Say goodbye to the hassle of annual fees. The Citi Double Cash Card ensures you get to keep every dollar you earn without worrying about extra charges just for owning the card. This feature makes it an excellent choice for budget-conscious individuals who want a rewards card without unnecessary expenses. 

Versatile Redemption Options

Flexibility is a key highlight of this card. Your earned cash back can be redeemed as statement credits, direct deposits, or even checks sent directly to you. This versatility allows you to use your rewards in a way that aligns with your financial needs. Whether you want to reduce your credit card balance, save the funds for a rainy day, or spend them elsewhere, Citi ensures the process is simple and tailored to your preferences.

Introductory Balance Transfer Offer

If managing debt is a priority, the Citi Double Cash Card’s balance transfer offer can be a lifesaver. Enjoy a 0% introductory APR on balance transfers for 18 months, giving you ample time to pay down existing credit card debt without accumulating additional interest. This feature not only simplifies debt consolidation but also provides a cost-effective way to regain financial control. 

Easy-to-Use Mobile App

In today’s digital age, managing your finances on the go is essential. The Citi mobile app makes this incredibly easy by providing tools to track your spending, make payments, and redeem rewards with just a few taps. The intuitive design and seamless functionality ensure that you stay in control of your account no matter where you are. Additionally, you can set up alerts and notifications to keep track of due dates and spending habits.

Security Features

Your financial safety is a top priority with the Citi Double Cash Card. It comes equipped with advanced security measures, such as fraud detection tools that monitor your account for unusual activity. You also have access to virtual card numbers for safer online shopping, and Citi’s Identity Theft Solutions team is ready to assist in case of any fraudulent incidents. 

Worldwide Acceptance

The Citi Double Cash Card is a Mastercard, meaning it’s widely accepted at millions of locations worldwide. Whether you’re shopping at your local store or making purchases during international trips, you can rely on this card for hassle-free transactions. While a foreign transaction fee applies, the card’s broad acceptance makes it a dependable option for both domestic and global use.

Who Can Apply?

To apply for The Citi Double Cash Card, you must:

• Be at least 18 years old (19 in some states).
• Have a valid Social Security number or Individual Taxpayer Identification Number (ITIN).
• Possess a good to excellent credit score (typically 670 or higher).
• Meet Citi’s income and creditworthiness requirements.

How to Apply?

Follow these steps to apply for The Citi Double Cash Card:

1. Visit Citi’s Official Website: Navigate to the Double Cash Card page.
2. Complete the Application Form: Provide your personal, financial, and contact details.
3. Review Terms and Conditions: Ensure you understand the card’s fees, rates, and benefits.
4. Submit Your Application: Once submitted, Citi typically provides an instant decision or contacts you within a few days for additional information.

FAQs

Is there a sign-up bonus for The Citi Double Cash Card?

Currently, The Citi Double Cash Card does not offer a sign-up bonus. However, its ongoing 2% cash back on every purchase provides consistent value.

Can I use the card for balance transfers?

Yes, The Citi Double Cash Card offers a 0% introductory APR on balance transfers for 18 months (a balance transfer fee applies).

Are there foreign transaction fees?

Yes, a 3% foreign transaction fee applies to purchases made abroad. Consider a no-foreign-transaction-fee card for international travel.

Do I need to activate categories to earn cash back?

No. The Citi Double Cash Card earns 2% cash back automatically on all purchases—no activation or tracking required.

What happens if I miss a payment?

If you miss a payment, you won’t earn the second 1% cash back for that transaction. Additionally, late fees and penalties may apply, so it’s best to pay on time.

CREDIT CARD

CITI DOUBLE CASH

NO ANNUAL FEE CASHBACH

GET CARD You will be redirected