Credit Cards (US)

Citi® Double Cash Card full review

Imagine that you earn cash back when you buy something and when you pay for it. That exists, and it has a name: Citi® Double Cash card. Check out this credit card’s full review we’ve prepared for you today!

Citi® Double Cash Card: get cash back in every purchase!

Citi® Double Cash credit card review. Source: The Mister Finance.
Citi® Double Cash credit card review. Source: The Mister Finance.

The Citi® Double Cash Card is great because it doesn’t charge you an annual fee. That is already something to consider. But, you can also count on the reward program it offers.

So, this card provides you with 2% cash back: 1% when you purchase and 1% when you pay it off. 

See the credit card’s list of benefits right below.

Credit ScoreGood – Excellent
Annual Fee$0
APR0% intro APR on Balance Transfers for 18 months. After that period:
Purchases APR: 18.74% – 28.74% (Variable);
Balance Transfer APR: 18.74% – 28.74% (Variable);
Cash Advance APR: 29.99% (Variable).
Welcome bonusNo current offer.
Rewards2% cash back (1% when you purchase items and 1% when you pay your bill).

*Terms apply
Citi® Double Cash card

How to apply Citi® Double Cash credit card

The Citi® Double Cash credit card provides you with cash back when you buy and when you pay. See how to apply for it!

How does the Citi® Double Cash Card work?

The Citi® Double Cash card features a unique reward program, which is 2% cashback: 1% on all purchases and 1% when paying the credit card bill, with no limit or category restrictions. To earn cash back, pay at least the minimum due on time.

Since March 2022, all cash back rewards have been presented to cardmembers as Citi® ThankYou points. For clients who enjoy flexibility, the Citi® ThankYou points program allows cardholders to transfer points in various ways. You can redeem the cashback as a direct deposit, statement credit, gift cards and more.

In addition, this Mastercard doesn’t charge an annual fee. And, it provides convenience and protection as you use it.

Citi® Double Cash card benefits

Check out the pros and cons. Source: Pexels.
Check out the pros and cons. Source: Pexels.

On the other hand, it charges 3% as a foreign transaction fee and 3% or $5 on each balance transfer, whichever is greater.

With this Citi® credit card, you can earn cash back while buying the things you want and while paying for them, with no restrictions. Note, though, that your rewards need to reach $25 to redeem or $1 through the ThankYou points.

Plus, it offers 24/7 customer service, contactless payment, and accessibility through connection to Digital Wallets.

Also, it is a Mastercard, which means you can enjoy traveling abroad, making sure that your card is accepted in most places.

But, it charges a 3% fee as a foreign transaction fee. And, it charges balance transfers fee, as well.

However, the Citi® Double Cash features protection against fraud and theft. Besides that, it features Citi Entertainment, which is special access to exclusive events and experiences.

Before applying to this rewarding card, though, check out the list of pros and cons below.

Pros

  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.74% – 28.74%, based on your creditworthiness.

Cons

  • 3% foreign transaction fee
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • It requires good-excellent credit score.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.

Pre-approved credit cards for low credit score available now

We analyzed your profile and found some offers that you can apply for today.

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How good does your credit score need to be?

We recommend that you have at least a good credit score before applying for this card. Also, it requires a Citi Bank account for the application.

How to apply for a Citi® Double Cash card?

First of all, make sure that you are a Citi® member. If not, apply for an account before applying for this credit card. Then, keep reading to check out how the application process works!

Citi® Double Cash card

How to apply Citi® Double Cash credit card

The Citi® Double Cash credit card provides you with cash back when you buy and when you pay. See how to apply for it!

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

About the author  /  Aline Augusto

My name is Aline Mesquita; I'm a writer here on the blog, where I write about finance in general and other subjects. I have been working with content creation for ten years. Also, I'm post-graduated in Project Management, with expertise in SEO practices. Currently, I am studying finance, market trends, and cryptocurrencies.

Reviewed by  /  Aline Barbosa

Senior Editor

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