The Citi Double Cash Card is one of the most popular credit cards offered by Citi, ideal for those seeking simplicity and efficiency in earning rewards.
This card offers cashback on all purchases, with no restricted categories, making it a practical and versatile choice for different consumer profiles.
Additionally, the cashback is structured in a unique way: you earn 1% when you make a purchase and 1% when you pay your bill, totaling 2% cashback on each purchase.
With no annual fee and a straightforward rewards program, the Citi Double Cash Card is perfect for those who want to maximize their earnings without complications.
Is This Card the Best Option for You?
The Citi Double Cash Card could be the ideal option if you are looking for a card that combines cash rewards with flexibility and convenience. Here are some reasons to consider it:
- Simple and competitive cashback: By offering 2% cashback on all purchases (1% when you make the purchase and 1% when you pay the bill), the card provides one of the most straightforward and valuable rewards programs on the market.
- No annual fee: The Citi Double Cash Card does not charge an annual fee, making it an economical choice for those who want a card with consistent benefits.
- Flexibility in usage: The cashback you earn can be converted into a statement credit, check, bank deposit, or even points in the ThankYou® Rewards program, offering various ways to use it.
- No category restrictions: Unlike other cards that limit cashback to specific categories, the Citi Double Cash Card allows you to earn rewards on any type of purchase.
On the other hand, if you value additional benefits like travel protection, insurance, or access to exclusive events, this card may not meet your expectations, as it is primarily focused on cashback.
Negative Aspects to Consider
Despite its advantages, the Citi Double Cash Card has some features that may not appeal to everyone:
- No sign-up bonus: Many rewards cards offer significant bonuses when a certain spending threshold is met. The Citi Double Cash Card does not have this offer.
- Foreign transaction fees: This card charges a 3% fee on purchases made outside the United States, which may make it less attractive for frequent travelers.
- Limited focus on cashback: If you prefer rewards in the form of air miles, points, or access to exclusive experiences, this card may not suit your needs.
- Requires good credit: To be approved, you will need a good to excellent credit score (usually above 700).
Be sure to evaluate these considerations before applying for the Citi Double Cash Card, ensuring it aligns with your financial priorities.
Requirements to Apply for Your Credit Card
The application process for the Citi Double Cash Card is simple and can be completed online. Check out the basic requirements:
- Minimum age: You must be at least 18 years old (or 21 years old in some U.S. states).
- U.S. residence: You must be a U.S. resident and provide a valid physical address.
- Credit history: Citi requires a good or excellent credit score, meaning a stable financial history.
- Sufficient income: Although the bank does not specify a minimum income, you must demonstrate the ability to pay your bills.
- Personal information: During the application, you will need to provide details such as your Social Security Number (SSN), income information, and contact details.
The application can be made directly on Citi’s official website, and the bank typically provides a response within a few minutes.

Tracking Your Application
Once approved, Citi will send the Double Cash Card to the address provided. The delivery time is typically 7 to 10 business days.
If you need to track the shipping status or experience delays, you can track your application through Citi’s online portal or contact customer support.
Costs Associated with the Credit Card
The Citi Double Cash Card is known for its transparency and low cost. Here are the key details:
- Annual fee: $0 – no cost to maintain the card.
- Foreign transaction fees: 3% of the value for purchases made outside the U.S.
- Interest rate (APR): APR ranges from 18.99% to 28.99%, depending on your credit history. Timely payments prevent interest charges.
- Late payment fee: Up to $41 for late payments.
- Balance transfer fee: Citi charges a 5% fee (or $5, whichever is greater) for balance transfers.
With no annual fees and a simplified rewards model, the Citi Double Cash Card is an excellent option for those who want to avoid high costs and maximize cashback.
Frequently Asked Questions about the Credit Card
- How does the cashback program work for the Citi Double Cash Card? You earn 1% cashback when you make purchases and an additional 1% when you pay your bill. This totals 2% cashback on all transactions, with no categories or earning limits.
- Does the card have an annual fee? No, the Citi Double Cash Card has no annual fee.
- Can I use the card for international purchases? Yes, but there is a 3% fee for transactions made outside the U.S.
- How can I redeem the cashback earned? Cashback can be redeemed as a statement credit, bank deposit, check, or converted into ThankYou® Rewards points.
- What credit score is required for approval? You will need a good to excellent credit score (usually above 700) to be approved.
Bank Contact Information
If you need assistance with the Citi Double Cash Card, Citi offers several support options:
- Phone: Contact customer service at 1-800-347-4934.
- Citi Mobile® App: Manage your card, view information, and get support directly through the app.
- Official Website: Visit www.citi.com for more information or to make requests.
- Online chat: Citi offers real-time support via chat on their website.

Conclusion
The Citi Double Cash Card is a versatile and accessible card, ideal for those seeking a straightforward and effective rewards program.
With 2% cashback on all purchases, no annual fee, and flexibility in redeeming rewards, it stands out as one of the best credit options in the market.
If you desire simplicity, savings, and consistent rewards, the Citi Double Cash Card may be exactly what you need.
Apply now and start maximizing your earnings with every purchase!
Additionally, the Citi Double Cash Card is an excellent option for those seeking financial control.
With the ability to track your spending easily through the app, you can monitor your transactions and stay on budget.
The cashback program becomes even more attractive when you consider how easy it is to redeem rewards.
This convenience and transparency provide a more enjoyable customer experience with no surprises.
Moreover, by using the card regularly, you can accumulate significant amounts of cashback over time, providing more financial flexibility for future purchases or even paying off your credit card bill.




