The Citi Double Cash® Credit Card is easy to apply for and simple to use. This credit card stands out for its 2% total cash back and no annual fee.
Many people choose this card for its reliable rewards and no-category system. In this guide, you’ll learn how the card works and how to apply for it today.
Overview of the Citi Double Cash® Credit Card
This card offers a no-nonsense cashback system with no rotating categories or caps. You earn cash back every time you spend and again when you repay.
You get 1% back when you make a purchase and another 1% when you pay it off. There are no limits to how much you can earn.
You don’t need to enroll in specific categories. This makes the Citi Double Cash® Card suitable for everyday purchases.
Cashback Rewards Program
This section explains how the cashback system works and the bonus you can get. It also covers how to boost your rewards through travel purchases.
Earning with Every Transaction
You get 1% cash back when you make a purchase and 1% more when you pay. This means a total of 2% cash back for every completed transaction.
There’s no need to track spending categories. You just have to pay at least the minimum due on time.
Balance transfers and cash advances don’t earn rewards. This system is perfect if you want consistent rewards.
$200 Cash Back Bonus
New cardholders can receive a welcome bonus. When you spend $1,500 within the first six months, you get $200.
This reward is given as 20,000 ThankYou® Points. You can redeem the points for a $200 statement credit.
The bonus is only available if you haven’t opened a Citi Double Cash® account in the past 48 months. It’s a simple goal to reach for extra value.
Boost Rewards with Citi Travel
If you book hotels or car rentals through Citi Travel, you can get more. You’ll earn 5% total cash back on those purchases.
That includes 3% extra on top of the usual 2%. The bonus applies only when using the Citi Travel portal.
You must pay with the Citi Double Cash® Card to qualify. It’s a strong option for those who travel often.
Interest Rates and Fees
This section helps you understand what you’ll pay in interest and fees. It includes introductory offers and standard rates after that period.
Purchase and Balance Transfer APR
For purchases, the variable APR ranges from 18.24% to 28.24%. Your rate is based on your creditworthiness.
Balance transfers enjoy a 0% intro APR for 18 months. This applies only if you transfer the balance within 4 months of opening your account.
After that, the standard APR range applies. It’s useful if you want to consolidate other card balances.
Other Fees to Know
Balance transfers have an intro fee of 3% ($5 minimum). After the intro period, the fee is 5% per transfer ($5 minimum).
Cash advances cost either $10 or 5% of the amount, whichever is greater. The penalty APR can reach up to 29.99%.
There is no annual fee. Foreign transactions cost 3% of the amount in U.S. dollars.
How to Apply for the Citi Double Cash® Card?
This section outlines the eligibility requirements and how to apply. It’s a quick process, and most decisions are made fast.
Eligibility Requirements
You must be at least 18 years old. In some states, the minimum age is 21. You need a valid Social Security number and a U.S. address.
Good to excellent credit is recommended. A score of 700 or higher gives you the best approval odds. Make sure your credit report is in good shape.
Step-By-Step Application Process
The application process is simple and can be completed online. Follow these steps to apply for the Citi Double Cash® Card:
- Visit the official Citi credit card website.
- Click the “Apply Now” button under the Citi Double Cash® Card section.
- Fill out the form with your personal, financial, and contact information.
- Provide your income, housing status, and employment details.
- Agree to the terms and conditions.
Submit the application and receive a decision, usually within a minute.
Application Timeline and Review
Most applications get instant feedback. If more info is needed, Citi may contact you. Keep your phone and email accessible for follow-up.
If approved, the card arrives by mail within 7–10 business days. If denied, you’ll get a letter with the reasons. You can also call Citi for clarification.
Redeeming Your Cash Back
You have several flexible options to redeem the rewards you earn. The system is easy to understand and gives you control over your cash back.
- Points are earned as ThankYou® Points, each worth one cent.
- You can redeem points for a statement credit or direct deposit.
- A paper check option is available if preferred.
- Points can be used on Amazon or exchanged for gift cards.
- Flexibility makes it easy to apply your rewards your way.
Contact Information and Support
If you need help with your application, Citi offers multiple ways to reach their support team. You can call 1-800-950-5114 for assistance or visit their website.
If you prefer mail, send your inquiry to Citibank Customer Service, P.O. Box 6500, Sioux Falls, SD 57117. Most issues are resolved quickly through these channels.
Their customer service is available to assist with card details, applications, and account management. Citi provides responsive support to make sure your experience is smooth.
Final Thoughts: Is the Citi Double Cash® Card Right for You?
This card offers clear, flexible rewards for everyday spending. The Citi Double Cash® credit card keeps things simple with no categories or annual fees.
It’s ideal if you want reliable rewards and easy management. Apply today to take full control of your cash back strategy.
Disclaimer: The $200 bonus is only for new Citi Double Cash® Card accounts. Balance transfers don’t earn rewards, and terms may vary depending on how you apply.
