The Citi® Double Cash Credit Card is built for simplicity and real rewards.
You earn 2% cash back—1% when you buy and 1% when you pay—without dealing with categories or rotating offers.
If you're looking for a no-annual-fee card that works, this one's worth a closer look.
What You Get (Without the Fine Print)
You’ll use these core features—no fluff, just the facts.
- 2% Total Cash Back: Earn 1% when you make a purchase and another 1% when you pay it off—consistent and straightforward.
- No Annual Fee: Keep all your rewards without paying a yearly fee to use the card.
- 0% Intro APR on Balance Transfers: This applies for 18 months on transfers completed within 4 months of opening the account.
- Citi Entertainment Access: Get special access to concert tickets, sports events, and experiences before the general public.
- Digital and Mobile Tools: Track spending, set alerts, and use virtual card numbers for safer online shopping.
Who Should Consider It
Not every credit card fits every wallet. Here’s who the Citi® Double Cash Credit Card is made for:
- You want straightforward rewards: If you don’t want to track categories or activate bonuses, this card keeps things simple.
- You pay your balance regularly: Since half the rewards come when you pay, it works best if you don’t carry a balance.
- You want a no-annual-fee card: Ideal to earn without paying to keep the card.
- You want to consolidate debt: The 0% intro APR on balance transfers makes it a strong choice for paying off other cards.
- You value flexible cashback: Redeem it as a statement credit, direct deposit, or even a check—it's your choice.
Who It’s Not For
This card isn’t a perfect match for everyone. Here’s who might want to skip the Citi® Double Cash Credit Card:
- You want big signup bonuses: This card doesn’t offer a hefty welcome bonus like many competitors.
- You carry a long-term balance: The ongoing APR is high, so that interest can cancel your rewards.
- You travel internationally: It charges foreign transaction fees, which can add up outside the U.S.
- You want travel perks or insurance: No airport lounge access, travel insurance, or hotel benefits are included.
- You prefer category-based rewards: If you like 5% back in rotating categories, you’ll find this card too flat.
Are You Eligible?
Before you apply, make sure you meet the basic requirements. Citi® will check a few key details to decide if you qualify:
- Credit Score: You’ll need a good to excellent credit score—typically 700 or higher.
- Age: Must be at least 18 years old (or 21 in some states if you don’t have independent income).
- Residency: U.S. citizen or legal resident with a valid Social Security Number.
- Income: Must show enough income to handle credit responsibly.
- Credit History: A clean credit report with on-time payments helps your chances.
How to Apply
Applying for the Citi® Double Cash Credit Card is simple if you know what to expect. Here’s how to get it done step by step:
- Visit the Citi® Double Cash Card application page on the Official Citi Website.
- Enter Your Personal Information: Fill in your name, address, date of birth, Social Security Number, and contact details.
- Add Your Financial Details: Provide your employment status, annual income, and monthly housing payment.
- Review the Terms: Take a minute to read the disclosures and interest rate terms before you agree.
- Submit Your Application: Hit the submit button and wait—most decisions are made within minutes.
What Happens After You Hit Apply
Once you submit your application, here’s what typically comes next. The process is usually fast, but here’s how it breaks down:
- Instant Approval: You could get approved within seconds if everything checks out.
- Further Review: Sometimes, Citi needs more time to verify your info—they may contact you for documents.
- Denied: You’ll get a letter explaining why and what you can do next (like checking your credit report).
- Card Arrival: If approved, your card typically arrives by mail within 7–10 business days.
- Set Up Online Access: Once you get the card, create your Citi online account or log in to manage it digitally.
What People Usually Overlook
The Citi® Double Cash Card looks simple—and it is—but there are a few details people often miss. Here’s what to watch out for before and after you apply:
- You only get full rewards when you pay: You earn 1% at purchase, but the other 1% only comes after you pay it off.
- No rewards on balance transfers: While you can use the intro APR for transfers, they don’t earn any cash back.
- Foreign transaction fee applies: Using this card outside the U.S. adds a 3% fee per transaction.
- No bonus categories or travel perks: It’s not the right card if you’re after extra dining, gas, or travel points.
- Late payments can hurt: If you miss a payment, you risk losing your rewards and facing a higher penalty APR.
Tools That Come With It
Beyond cash back, the Citi® Double Cash Card includes useful tools to help you manage your account and stay secure. Here’s what you get:
- Citi Mobile® App: Track spending, view statements, and make payments on the go.
- Virtual Card Numbers: Shop online using a temporary card number to help protect your real account.
- Digital Wallet Support: Compatible with Apple Pay, Google Pay, and Samsung Pay for faster, contactless checkout.
- Spend Tracking & Alerts: Get real-time notifications for purchases, payments, and due dates.
- Customizable Payment Options: Set up AutoPay or schedule manual payments directly from your dashboard.
The Rates You Should Know
Before you apply, it’s smart to know what this card will cost if you carry a balance or make a transfer.
Here are the key rates and fees to expect with the Citi® Double Cash Card:
- Purchase APR: Variable APR ranging from 19.24% to 29.24%, based on your creditworthiness.
- Balance Transfer APR: 0% intro APR for 18 months on balance transfers (then reverts to the regular purchase APR).
- Balance Transfer Fee: 3% of the transfer amount or $5 minimum (whichever is greater).
- Cash Advance APR: 29.99% variable APR.
- Cash Advance Fee: $10 or 5% of the amount advanced, whichever is greater.
- Foreign Transaction Fee: 3% of the amount of each transaction in U.S. dollars.
- Penalty APR: May apply if you make a late payment or a payment is returned.
Customer Support You Can Reach
If you need help with your Citi® Double Cash Credit Card, Citi offers multiple ways to get in touch:
- Phone Support: Call 1-800-950-5114, available 24/7 for general inquiries and account help.
- TTY Access: Dial 711 for relay services if you use TTY.
- International Support: Call collect at 1-605-335-2222 if you're outside the U.S.
- Online Chat: Log in at citi.com and use the secure live chat option.
- Mailing Address: Citibank Customer Service, P.O. Box 6500, Sioux Falls, SD 57117
Final Take – Good Fit or Not?
The Citi® Double Cash Credit Card is a smart choice if you want straightforward rewards without managing multiple categories or paying annual fees.
It’s ideal for responsible spenders who pay on time and want steady cash back on everything they buy.
If that sounds like you, apply today to the official Citi site.
Disclaimer
Rates, terms, and offers mentioned are subject to change at any time by Citi and may vary based on your credit profile.
Always review the official Citi® Double Cash Credit Card terms on the issuer’s website before applying.
Last updated on May 7th, 2025 at 07:45 pm
