Citi Double Cash Review

The Citi Double Cash Card is your go-to for maximizing rewards and streamlining your financial strategy. 

If you want a simple, straightforward credit card that rewards you for every purchase without category restrictions, the Citi Double Cash Card is a strong contender. With a unique structure that gives you up to 2% cash back—1% when you buy and 1% when you pay—it’s designed to reward both your spending and your responsible repayment.

This no-annual-fee card is perfect for those who want consistent rewards across all purchases without juggling rotating categories or tracking special offers. Plus, with flexible redemption options and Citi’s suite of protections, it’s an excellent everyday card.

CREDIT CARD

Citi Double Cash

up to 2% cash back No annual fee

APPLY NOW You will be redirected

10 Benefits of the Citi Double Cash Card

1. Earn Up to 2% Cash Back on Everything
Get 1% cash back when you make a purchase and another 1% when you pay for it—no caps or category restrictions.

2. No Annual Fee
Enjoy all the benefits of this card with $0 annual fee, so your rewards stay in your pocket.

3. Intro APR on Balance Transfers
Benefit from a 0% intro APR on balance transfers for a limited period, then a variable APR applies.

4. Flexible Redemption Options
Redeem your cash back as a statement credit, direct deposit, check, or convert it into ThankYou Points for more value.

5. Worldwide Acceptance
Use your card anywhere Mastercard is accepted—millions of locations globally.

6. Citi Entertainment Access
Get special access to tickets for concerts, sporting events, dining experiences, and more.

7. No Limit on Cash Back
Earn rewards without worrying about spending caps or expiration dates (as long as your account remains active).

8. Digital Wallet Compatibility
Add your card to Apple Pay, Google Pay, or Samsung Pay for quick and secure transactions.

9. Fraud Protection and Alerts
Enjoy $0 liability for unauthorized charges, plus real-time alerts for suspicious activity.

10. Simple, Transparent Structure
No rotating categories, no enrollment requirements—just steady rewards for every dollar spent and paid.

Who Can Apply?

You may qualify for the Citi Double Cash Card if you:

• Are 18 years or older (19 in some states)
  
• Have a valid Social Security Number
  
• Live in the United States
  
• Possess good to excellent credit (typically 670+)
  
• Have a steady source of income
  
• Do not already have an open Citi Double Cash account

How to Apply

1. Visit www.citi.com
   
2. Search for Citi Double Cash Card
   
3. Click “Apply Now”
   
4. Fill out your personal and financial information
   
5. Review and accept the terms and conditions
   
6. Submit your application
   
7. Receive an instant decision in most cases
   
8. If approved, your card will arrive in 7–10 business days

Frequently Asked Questions (FAQ)

1. How does the 2% cash back work?
You earn 1% when you buy and 1% when you pay, for a total of up to 2% cash back.

2. Is there an annual fee?
No. The Citi Double Cash Card has no annual fee.

3. Does cash back expire?
Your rewards won’t expire as long as your account stays open and in good standing.

4. Can I use this card internationally?
Yes, it’s accepted anywhere Mastercard is.

5. Does the card offer an intro APR?
Yes, there’s a 0% intro APR on balance transfers for a set time period.

6. Will Citi report my activity to credit bureaus?
Yes. Citi reports to all three major credit bureaus.

CREDIT CARD

Citi Double Cash

up to 2% cash back No annual fee

APPLY NOW You will be redirected