Citi Double Cash Review

Enjoy effortless rewards with Citi Double Cash, earn as you spend and as you pay, making every dollar work twice as hard for you.

The Citi Double Cash is a game-changer if you love earning cash back effortlessly. This card not only gives you an easy way to maximize rewards but also provides valuable financial flexibility. Whether you’re making everyday purchases or consolidating existing balances, it offers a seamless way to enhance your spending power.

What makes it even more enticing? A simple yet powerful rewards system that ensures you get back what you spend, plus an incredible introductory offer that sets you on the right track.

CREDIT CARD

Citi Double Cash

2% unlimited cash back Low Intro APR

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Earn More, Pay Less with Citi Double Cash

• Doubleyour cash back: With a unique two-step rewards system: earn 1% with every swipe and another 1% when you pay it off. No spending categories, no limits, just straightforward rewards.
• 0% Intro APR: On balance transfers for 18 months, helping you manage existing debt efficiently. After the introductory period, a variable APR of 18.24% – 28.24% applies based on your credit history..
• Balance transfer savings: with an introductory fee of just 3% (minimum $5) within the first four months. After that, a 5% transfer fee applies, making it a great tool for consolidating debt.
• Competitive purchase: APR ranging from 18.24% to 28.24%, ensuring a rate that aligns with your creditworthiness.
• Security and fraud protection: Features that keep your transactions safe, including $0 liability for unauthorized purchases.
• Easy redemption options: With no complicated point conversions just direct cash back as statement credits, checks, or deposits.
• Contactless payments: Digital wallet compatibility makes transactions faster and more convenient, whether shopping in-store or online.

Qualification Requirements For The Double Cash card

• Good to excellent credit score required. Applicants typically need a credit score of 700 or higher to qualify for the Citi Double Cash. 
• Stable income source. Proof of steady employment or consistent income is necessary to ensure you can manage monthly payments.
• U.S. residency and age requirement. You must be at least 18 years old and a legal resident of the United States to apply.
• No recent bankruptcies or delinquencies. A clean credit history significantly improves approval chances and ensures eligibility for the best APR rates.
• Existing Citi customers may be eligible. If you already have a Citi account, your approval odds may be influenced by your banking relationship.
• Debt-to-income ratio considerations. While not explicitly stated, a lower debt-to-income ratio increases your likelihood of approval.

How to Apply For The Double Cash card

• Visit the Citi website: Start your application by heading to the official Citi website and locating the Double Cash card page.
• Check your eligibility: Use Citi’s pre qualification tool to assess your chances of approval without affecting your credit score.
• Complete the application form: Fill in personal details, including name, Social Security number, income, and employment status.
• Submit the application and wait for approval: Citi will review your details and provide an approval decision, sometimes instantly.
• Review your credit terms: Once approved, carefully review the credit terms, APR, and any applicable fees before finalizing the process.
• Receive and activate your card: After approval, you will receive your card, which you can activate and start using immediately.

Frequently Asked Questions

Can I earn cash back on every purchase?

Yes! With the Citi Double Cash Card, you can earn unlimited cash back—1% when you make a purchase and an additional 1% when you pay your bill, with no spending categories or restrictions.

Is there a fee for foreign transactions?

Yes, the Citi Double Cash Card applies a 3% foreign transaction fee on international purchases, making it less ideal for frequent travelers.

How can I use my cash back rewards?

You have multiple redemption options, including statement credits, direct deposits, and mailed checks. Citi also provides the option to redeem rewards for gift cards.

Does the Citi Double Cash Card include travel perks?

Although it isn’t travel-focused, the card includes valuable security features like fraud protection, contactless payments, and digital wallet compatibility.

CREDIT CARD

Citi Double Cash

2% unlimited cash back Low Intro APR

APPLY NOW You will be redirected