CitiĀ® Double Cash Credit Card Review

Double Cash from Citi ā€” all information about the credit card.

By Hanna Volkava
Updated May 16, 2023

Good Choose for Cash Back, No Annual Fee, Daily use

Double Cash Citi
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Our Rating:
4.5 out of 5
scorer
Recommended credit score
Good to Excellent (670-799)
  • Rewards Rate:
    • 2% Cash Back on every purchase with unlimited 1% Cash Back when you buy, plus an additional 1% as you pay for purchases.
  • Intro Offer:
    • No current offer.
  • Annual Fee:
    $0
  • Purchase Intro APR:
    None
  • Regular APR:
    18.99% - 28.99% Variable
  • Balance Transfer APR:
    18.99% - 28.99% Variable
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Citi Double Cash Rewards Calculator

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All benefits

  • Cash back
    • 2% On every purchase with unlimited 1% Cash Back when you buy, plus an additional 1% as you pay for purchases.

Rate and fee information

  • Purchase Intro APR
    • None
  • Purchase APR
    • 18.99% - 28.99% Variable
  • Intro Balance Transfer APR
    • 0% APR for 18 months from date of first transfer when transfers are completed within 4 months from date of account opening
  • Balance Transfers APR
    • 18.99% - 28.99% Variable
  • APR for Cash Advances
    • 29.99% Variable
  • How to Avoid Paying Interest
    • Your due date is at least 23 days after the close of each billing cycle. You will not be charged interest on purchases if you pay your monthly Citi Flex Plan Payment Amount plus your entire balance, excluding any Citi Flex Plan balances, by the due date each month.

Fees

  • Annual Fee
    • $0
  • Fees for Balance Transfer
    • Either $5 or 3% of the amount of each transfer, whichever is greater
  • Fees for Cash Advances
    • Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Penalty Fees
    • 29.99%
  • Return Payment
    • Up to $41
  • Late Payment
    • Up to $41
View all Rates & Fees

Pros & Cons

Pros:
  • Flat-rate Cash Back Rewards on Everything
  • High Rewards Rate
  • No annual fee
  • Attractive Intro APR on Balance Transfers
Cons:
  • Losing your 1% Cash-Back Is Pretty Easy
  • Foreign transaction fee
  • Balance Transfer Fee

Features

Classic
Mastercard
Contactless
  • 0% Intro APR
  • Low interest
  • No Annual Fee
  • Cashback
  • Payment Flexibility
  • Fraud Protection
  • Rewards
  • Purchase Protection
  • Travel
  • Good Credit
  • Excellent Credit

About the issuer

Citi has several card types depending on your needs.
Manage your Account & Pay your Bill
You can usually pay your bill online on your

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CitiĀ® Double Cash Card Review: Is It Worth Getting?

CitiĀ® Double Cash Card is one of the leading flat-rate cash-back cards with 18 month BT (0% Balance Transfer APR, 18.99% - 28.99% variable after) offer on the market.

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A $0 annual fee and a high rewards rate make CitiĀ® Double Cash Card a great choice for people who want to enjoy hassle-free cash rewards on every purchase.

The CitiĀ® Double Cash Card - 18 month BT offer is among the best credit cards on the market primarily because of its tough-to-beat flat-rate cash-back benefits. It is a good choice for people who prefer flat-rate cash-back rewards on everything they purchase. There is no annual fee. Additionally, the 2% combined rewards rate ā€“ 1% on every purchase and 1% when you pay the credit card bill ā€“ makes it one of the best options for cash-back enthusiasts.

The Card also offers a 0% introductory APR for the first 18 months on all Balance Transfers (18.99% - 28.99% variable after). After the expiration of the introductory period, your cardā€™s standard APR will vary between 18.99% - 28.99% (depending on your credit history). However, 0% APR is not applicable on purchases. On the downside, CitiĀ® Double Cash Card offers no bonus.

CitiĀ® Double Cash: Pros and Cons

Pros: Cons:
High Rewards Rate. This card offers one of the highest cash-back rewards rates. You can earn a 2% rewards rate on every purchase - 1% at the time of purchase and 1% when the card is paid off. Foreign Transaction Fee. There is a foreign transaction fee of 3% on making purchases abroad.
Attractive Intro APR on Balance Transfers. This card offers a generous introductory APR on balance transfers. There is a 0% introductory APR for the first 18 months on balance transfers (18.99% - 28.99% variable after), which is more than many other cards. Losing your 1% Cash-Back Is Pretty Easy. This card is not a good option for people who occasionally skip their payments. Youā€™ll need to pay at least the minimum on time to earn the remaining 1% cash-back.
No Annual Fee. You donā€™t have to pay any annual fee for your CitiĀ® Double Cash card. Balance Transfer Fee. The applicable balance transfer fee is 3% or $5 (whichever is higher). There is no cash-back on balance transfers. You must complete balance transfers within four months of opening your account.
Flat-rate Cash Back Rewards on Everything. If keeping track of multiple bonus categories is a hassle for you, you will love the simplicity of CitiĀ® Double Cash Card. You can use it everywhere without worrying about reaching the spending limit on any particular bonus category.

Rewards System in a Nutshell

With CitiĀ® Double Cash card - 18 month BT offer, you earn cash-back of 2% on every purchase. You earn 1% when you buy an item using your card and another 1% when the card is paid off. This Citi card allows you to earn unlimited rewards, provided you make the payments on time. And the icing on the cake is that thereā€™s no annual fee.

By earning flat-rate cash back on every purchase, you can rack up your rewards quite effortlessly. This makes it a wonderful option for any cash-back enthusiast. The biggest benefit is that you don't have to juggle multiple cards to increase your rewards anymore.

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Pro Tip: To make the most of your card, make sure you pay all your bills on time. In case, you fail to pay even the minimum in any month, you won't be eligible to earn the second 1% cash-back on your purchase.

You need a FICO score of at least 700 to get approved for CitiĀ® Double Cash card - 18 month BT offer. You can check if you prequalify for CitiĀ® Double Cash card online. If you have already received an offer from Citi, you can apply using the invitation number.

How to Redeem Rewards?

After successfully racking up enough rewards with your CitiĀ® Double Cash card - 18 month BT offer, redeeming them is quite straightforward.

The cash rewards system of CitiĀ® Double Cash card work as follows:

  • You must earn a minimum of $25 to redeem rewards. Once you have racked up this amount in rewards (minimum redemption), you can get a check right away.
  • You can redeem your rewards for a statement credit.
  • You can choose to redeem direct deposit into your Citi savings or checking account.
  • Lastly, you can transfer the cash-back rewards to ThankYouĀ® Points. All you need is a minimum rewards balance of $1 to convert them to ThankYouĀ® Points.

Who Can Benefit From Getting the CitiĀ® Double Cash Card?

If you're looking for a hassle-free flat-rate cash back card, CitiĀ® Double Cash Card with its 0% introductory APR on balance transfers for 18 months (18.99% - 28.99% after) is one of your best options.

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There's no limit to the rewards you can earn with this Citi card. And the best part is that the rewards apply to every purchase you make across all categories.

Are there any other benefits?

Yes, here are some of the prominent benefits and perks of CitiĀ® Double Cash Card:

  • CitiĀ® Identity Theft Solutions. Identity theft is a serious issue. Thatā€™s why CitiĀ® Identity Theft Solutions are designed to help consumers resolve such issues promptly and get their lives back on track.
  • 24/7 Fraud Protection. If Citi notices any unusual activity on your card account, it will alert you immediately.
  • The Lost WalletĀ® Service. This one-of-a-kind service is designed to offer unparalleled convenience to the card holders If you lose your card, Citi will replace it right away, most of the time, within 24 hours. Additionally, you'll be provided with emergency cash depending on your available cash advance limit.
  • $0 Liability on Unauthorized Charges. With Citi, you'll get foolproof protection against unauthorized charges. The purchase protection ensures that you'll not be held responsible for any unauthorized charges, whether it's online or offline.
  • 24/7 customer service. Citi's customer service representatives are available round the clock to answer any question you might have about their credit cards and other services.
  • Contactless Payment Option. This contactless chip-enabled card is the safest way to shop anywhere. All you need is to simply tap your card (using the card reader) and the payment will be made in seconds.
  • Digital Wallets. Digital wallets allow you to shop conveniently and safely online and in stores. With Citi's credit cards and their intuitive Citi Mobile app, you can enjoy the convenience and speed of digital wallets without missing out on all the amazing cash-back benefits of credit cards.
  • Citi Entertainment. With Citi Entertainment's extensive array of entertainment options, you'll get special access to buy tickets for thousands of entertainment events including the most sought-after live concerts, dining experiences, sporting events, and so on.

Conclusion:

CitiĀ® Double Cash Card offers flat-rate cash-back of 2% (1% on every purchase and 1% as you pay off) with a $0 annual fee. The card also offers a 0% introductory APR on balance transfers for the first 18 months, followed by a standard APR between 18.99% - 28.99%. There's no limit to the rewards you can earn with CitiĀ® Double Cash Card on purchases across all categories.

FAQ

What is the customer service phone number for CitiĀ® Double Cash Card?

You can reach the customer service representatives of Citi for any assistance regarding your CitiĀ® Double Cash Card 24/7 at 1-877-645-3708.

How to check my application status for CitiĀ® Double Cash Card?

You can check your application status for CitiĀ® Double Cash Card by calling their support team at 1-888-201-4523. Make sure to keep your reference number handy. If you donā€™t have one, thereā€™s no need to worry. Youā€™ll be required to answer a few basic questions to verify your identity. Your approval odds will largely depend on your credit score.

Is CitiĀ® Double Cash a VisaĀ® or MasterCardĀ®?

CitiĀ® Double Cash is a MasterCard, which is one of the most widely accepted cards in the world.

Do CitiĀ® Double Cash rewards expire?

Yes, if you fail to earn any cash-back from making purchases or paying your card bills for 12 months, your cash rewards balance will expire.

What type of card is CitiĀ® Double Cash?

CitiĀ® Double Cash is a flat-rate cash-back credit card. It allows you to earn cash back rewards on your every purchase. You get 1% cash-back when you make a purchase and 1% when the card is paid off.

What Should Be My Credit Card Limit?

The initial credit limit for this card is determined by taking into account the cardholdersā€™ creditworthiness or credit history.

Is There Any Limit To The Cash-Back Rewards I Can Earn With A Citi Card?

No, there's no limit to the rewards you can receive by using your CitiĀ® Double Cash card. Moreover, since there are no restricting categories, you don't have to keep track of your purchases and there's no annual fee.
Hanna VolkavaHanna Volkava

Financial and product expert

hv@myfin.us
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