0% Intro APR for 18 months on balance transfers
Pros
- 2% cash back on all purchases (1% when buying, 1% when paying)
- No annual fee
- Works well for everyday spending with no categories to track
- Balance transfer offer included for new cardholders
- Cash back can be redeemed easily as statement credit, checks, or direct deposit
Cons
- No intro bonus for new cardholders
- Foreign transaction fees apply
- Rewards are lower than some category-based cards in specific areas
- Requires good to excellent credit for approval
- Limited perks compared to premium cards
Company Overview
Citi is a leading global bank with millions of credit card customers. The Citi Double Cash® Card is one of its most popular options. The card offers a simple way to earn cash back on every purchase without rotating categories or limits.
Citibank is among the largest financial institutions in the United States. It provides personal banking, loans, mortgages, investments, and a wide range of credit cards.
The Citi Double Cash® Card focuses on customers who want consistent rewards without complication. Unlike cards with complex categories or point systems, it gives a flat rate on everything you buy. This makes it one of the most practical cash-back cards available.
Ideal For
The Citi Double Cash® Card is ideal for people who prefer simple, flat-rate rewards. If you don’t want to track categories, this card keeps things easy. You earn cash back on every purchase and every payment.
It works well for steady spenders who value consistency. If you spend in a wide range of categories, the 2% return adds up. But if you want travel rewards, sign-up bonuses, or higher cash back in dining or groceries, this may not be the best match.
Interest and Fees
The Citi Double Cash® Card includes a 0% intro APR on balance transfers for 18 months. This feature helps those moving balances from higher-interest cards. Purchases do not qualify for an intro APR.
After the intro period, the regular APR ranges from 19.24% to 29.24% variable depending on your credit. Balance transfer fees are either 3% of the transfer amount within the first 4 months or 5% after that.
There is no annual fee for the Citi Double Cash® Card. Other fees include a foreign transaction fee of 3%, plus late and returned payment fees.
Rewards
The Citi Double Cash® Card keeps rewards simple:
- 1% cash back when you buy
- 1% cash back when you pay
This creates a total of 2% cash back on every purchase. Unlike other cards, there are no rotating categories, limits, or enrollment requirements.
Cash back can be redeemed as statement credits, direct deposits, or checks. You can also convert your cash back into Citi ThankYou® Points if you prefer using Citi’s rewards ecosystem. This gives more flexibility for travel redemptions and gift cards.
The Application Process
The application process is available online through Citi’s website. Applicants must provide personal details, income information, and consent for a credit check.
Approval generally requires good to excellent credit, usually a FICO score of 670 or higher. Some applicants may get instant approval, while others may need additional verification. If approved, the card typically arrives within 7–10 business days.
Security
The Citi Double Cash® Card includes standard security protections. These include $0 liability on unauthorized charges and 24/7 fraud monitoring. Citi also offers Citi Identity Theft Solutions, which helps customers resolve identity fraud issues.
Cardholders can set up account alerts, lock or unlock the card in the Citi mobile app, and add the card to digital wallets for secure payments. EMV chip technology provides additional safety for in-person transactions.
Customer Support
Citi offers several support options for Double Cash cardholders.
Customer Service Phone: 1-800-950-5114
Fraud Protection Line: Available 24/7
Website: citi.com
Mobile App: iOS and Android
Cardholders can manage accounts online, track rewards, and set alerts. Citi also offers live chat and email support through its website.
Conclusion
The Citi Double Cash® Card is one of the simplest and most practical cash-back cards. With 2% back on every purchase, it delivers steady value without complicated rules. It also offers a helpful balance transfer intro APR, making it versatile for different needs.
It does not offer travel perks, a sign-up bonus, or premium features. If those matter to you, other Citi cards may be more appealing. But for everyday spending, the Citi Double Cash® Card remains a reliable, no-annual-fee option.
Frequently Asked Questions
1. How does cash back work on the Citi Double Cash® Card?
You earn 1% when you make a purchase and 1% when you pay, for 2% total.
2. Does the Citi Double Cash® Card have an annual fee?
No, the Citi Double Cash® Card does not charge an annual fee.
3. Is there an intro APR on purchases?
No. The intro APR applies only to balance transfers for 18 months.
4. Can I convert cash back into Citi ThankYou® Points?
Yes. You can convert your cash rewards into ThankYou® Points for travel and gift card options.
5. Does the Citi Double Cash® Card charge foreign transaction fees?
Yes. The card charges a 3% foreign transaction fee, making it less ideal for travel abroad.