With the Citi Double Cash Card, you can earn 2% cash back on all your purchases—1% when you buy and another 1% when you pay for them.
This card is perfect for those who want simple and unlimited cash back with no rotating categories or enrollment required.
So, if you’re looking for a card that rewards you every time you spend, applying for the Citi Double Cash Card could be a great next step.
How Does the Citi Double Cash Card Work?
The Citi Double Cash Card lets you earn cash back in two easy steps: 1% when you make a purchase and another 1% when you pay it off in full.
There are no rotating categories, spending caps, or enrollment requirements, so you earn the same rewards on every eligible transaction you make.
Cash back is given as ThankYou® Points, which you can easily redeem for statement credits, direct deposits, checks, travel rewards, or various gift cards.
All about the Citi Double Cash Card
The Citi Double Cash Card is a simple cash back credit card that rewards you for both spending and paying off your balance. It offers a flat 2% cash back on all purchases.
You earn 1% when you buy and another 1% when you pay, making it a hassle-free way to earn rewards. There are no category restrictions or limits.
This card has no annual fee, making it a great option for everyday use and long-term savings. Keep reading to see how it works and how to easily apply online.
Benefits of the Citi Double Cash Card
No Annual Fee
This card charges no annual fee, allowing you to maximize your rewards without worrying about extra costs. It’s a budget-friendly choice for everyday spending.
Unlimited 2% Cash Back
Earn 1% when you buy and another 1% when you pay, with no caps or category restrictions. Every purchase gets rewarded effortlessly.
0% Intro APR on Balance Transfers
Enjoy a 0% introductory APR on balance transfers for 18 months, making it a great option for consolidating and managing existing debt.
Flexible Redemption Options
Cash back is earned as ThankYou® Points, which can be redeemed for statement credits, direct deposits, gift cards, or travel rewards.
No Rotating Categories
Unlike some rewards cards, this one doesn’t require activation or category tracking. You earn the same rewards on every purchase.
Access to Citi Entertainment®
Enjoy exclusive access to presale tickets, concerts, sporting events, and more through the Citi Entertainment® program.
Citi Double Cash Card Fees Breakdown
Understanding the fees associated with the Citi Double Cash Card is essential to avoid unnecessary costs. Below is a breakdown of potential fees you should be aware of:
| Citi Double Cash Card Fee Type | Amount |
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Balance Transfer Fee | 3% (intro offer), 5% after 4 months |
| Cash Advance Fee | 5% or $10 (whichever is greater) |
| Late Payment Fee | Up to $41 |
| Returned Payment Fee | Up to $41 |
Disclaimer: Fees and terms may vary based on your creditworthiness and are subject to change. Always check the official Citi Double Cash Card terms before applying.
How to Apply for the Citi Double Cash Card?
Applying for the Citi Double Cash Card online is simple and can be done in just a few minutes. Follow these five steps to complete your application:
- Go to the official Citi website: Navigate to the credit card section and find the Citi Double Cash Card application page.
- Provide personal details: Enter your name, address, date of birth, and Social Security Number as required.
- Submit financial information: Include details about your income and employment status for credit evaluation.
- Review the terms and conditions: Carefully check the interest rates, fees, and other important details before proceeding.
- Complete the application: Confirm all details and send your request for approval. Some applicants may receive an instant decision.
Who Is the Citi Double Cash Card Best Suited For?
The Citi Double Cash Card is an excellent choice for a wide range of consumers looking for simplicity and value in a cash back credit card:
- Everyday Spenders: Those who want straightforward, unlimited cash back on all purchases without tracking rotating categories.
- Balance Carriers: Individuals looking to transfer existing balances can benefit from the 0% introductory APR on balance transfers for 18 months.
- Fee-Averse Users: Consumers seeking a card with no annual fee to maximize rewards without additional costs.
However, this card may not be ideal for those who frequently travel abroad due to its 3% foreign transaction fee on all purchases made outside the United States.
Is the Citi Double Cash Card Worth It?
The Citi Double Cash Card offers a simple and rewarding cash back structure, making it ideal for everyday purchases. It provides unlimited 2% cash back without needing to track categories.
Its no annual fee ensures that cardholders can enjoy rewards without any added costs. Additionally, the 0% introductory APR on balance transfers makes it a solid option for managing existing debt.
However, the 3% foreign transaction fee may be a downside for frequent travelers. If you don’t travel abroad often, the Citi Double Cash Card remains a great value with its flat-rate rewards.
Frequently Asked Questions About the Citi Double Cash Card
You earn 1% cash back on purchases and an additional 1% as you pay for those purchases, totaling 2% cash back on all eligible purchases.
No, the Citi Double Cash Card has no annual fee, which allows you to maximize your rewards without any extra costs or hidden fees.
You can redeem rewards for statement credit, direct deposit, checks, or gift cards through the Citi ThankYou® Rewards program or travel options.
You can apply online by providing your personal and financial information for review through the official Citi website application portal.