Citi® Double Cash Credit Card Review

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

Citi® Double Cash Card is one of the leading flat-rate cash-back cards with 18 month BT (0% Balance Transfer APR, 19.24% - 29.24% variable after) offer on the market.

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

The Citi® 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 – 1% on every purchase and 1% when you pay the credit card bill – makes it one of the best options for cash-back enthusiasts. Earn $200 Cash Back after you spend $1,500 on purchases in the first 6 months of your Citi Double Cash® card account opening.

The Card also offers a 0% introductory APR for the first 18 months on all Balance Transfers (19.24% - 29.24% variable after). After the expiration of the introductory period, your card’s standard APR will vary between 19.24% - 29.24% (depending on your credit history). However, 0% APR is not applicable on purchases. On the downside, Citi® Double Cash Card offers no bonus.

Citi® Double Cash: Pros and Cons

Rewards System in a Nutshell

With Citi® 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 there’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.

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 Citi® Double Cash card - 18 month BT offer. You can check if you prequalify for Citi® 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 Citi® Double Cash card - 18 month BT offer, redeeming them is quite straightforward.

The cash rewards system of Citi® 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 ThankYou® Points. All you need is a minimum rewards balance of $1 to convert them to ThankYou® Points.

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

If you're looking for a hassle-free flat-rate cash back card, Citi® Double Cash Card with its 0% introductory APR on balance transfers for 18 months (19.24% - 29.24% after) is one of your best options.

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 Citi® Double Cash Card:

• Citi® Identity Theft Solutions. Identity theft is a serious issue. That’s why Citi® 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 Wallet® 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:

Citi® 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 19.24% - 29.24%. There's no limit to the rewards you can earn with Citi® Double Cash Card on purchases across all categories.