Citi® Double Cash Card Review
Editorial Note: We earn a commission from partner links on Allcards. Commissions do not affect our authors’ or editors’ opinions or evaluations. From our partners: See our advertiser disclosure here.
One of the few cards to earn our coveted 5-star rating, the Citi® Double Cash Card offers unlimited 2% cash back on every purchase, split up as 1% when you make a purchase and 1% when you make a payment. If you pay your balance in full every month, it’s a straightforward 2%. There are cards with higher cash back, but often there are caps or the cash back is in select categories. If you don’t want to think about cash back, this card is an excellent choice. You also get a welcome offer and 0% APR on balance transfers for 18 months. We dive into the details and your approval odds in this Citi Double Cash review.
Our Rating
4.9/5.0
Welcome Offer
Earn $200 cash back
Annual Fee
$0
0% Intro on Purchases
N/A
Reward Rate
1% to 2%
0% Intro on Balance Transfers
18 months
>>Check Out This and Other Cash Back Credit Cards Here
Welcome Offer
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of your Citi Double Cash® card account opening.
Editorial Review
If you’re looking for a credit card with one of the longest 0% intro APR balance transfer offers available among any credit card, you’ll be interested in the Citi® Double Cash Card. But in addition to the extended introductory offer, this card also provides one of the simplest rewards programs in the industry. It also offers the easiest ways to redeem your rewards–all in cash or cash equivalents.
About the Citi® Double Cash Card
The Citi® Double Cash Card is issued by Citibank, which is the fourth-largest bank in the U.S., with more than $1.6 trillion in assets. It’s also one of the leading issuers of credit cards in the country.
The Citi® Double Cash Card comes with a long list of generous benefits:
0% intro APR on Balance Transfers: The transfer offer is good for 18 months. If you transfer $10,000 in credit card balances, averaging 19.99% APR, you’ll save nearly $3,000 in interest over the year and a half that the 0% intro APR applies.
The offer applies to balance transfers completed within four months of opening the account. The balance transfer fee reads as follows: Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
That’s at the lower end of the balance transfer fee range of 3% to 5% which credit card issuers typically charge, and another good reason to take advantage of this offer.
Unfortunately, the 0% intro APR applies only to balance transfers, and not to purchases.
Intro Offer: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of your Citi Double Cash® card account opening. Citi gives you six months to earn this bonus, which is twice as long as most cards give you to earn a bonus. Also, the spend required is reasonable.
Cash Back Rewards: The cash back rewards with Citi® Double Cash Card are unique in the industry:
For example, if you make $1,000 in eligible purchases in a month, you’ll earn 1%, or $10. But if you pay the balance in full when the statement comes in, you’ll earn an additional 1%, or $10, for the payment.
Not only does that give you effectively a 2% cash back reward, but it also serves as an incentive to pay your balance in full each month. That’s the best way to maximize cash back rewards with this card. But it will also enable you to avoid paying interest on outstanding balances, making the cash back rewards a pure benefit in your favor.
The cash back rewards are unlimited.
Up until 12/31/25, you can also get 5% total cash back on select Citi Travel bookings. It’s an added 3% on hotels, car rentals, and attractions booked through the Citi Travel portal.
Redeeming Your Cash Back Rewards
One of the major advantages of the Citi® Double Cash Card cash back rewards program is its simplicity. Many credit card rewards programs pay higher rewards for certain purchase categories, some up to 6%. However, there is often a cap on these rewards, or categories you have to remember to enroll in. Some cards offer rewards in the form of points or miles, which can be complicated to calculate.
Many cards also restrict how your rewards can be used. For example, cards that offer points or miles often limit redemption to travel-related purchases. Citi® Double Cash Card has no such purchase category restrictions, and offers several ways to redeem your rewards.
Redemption options include:
- A statement credit toward your card balance
- A check in the amount of your cash reward balance (which could take up to 10 business days to receive)
- Direct deposit into a linked Citi®bank checking or savings account
- Through a gift card (which could take up to three weeks to receive)
- Amazon.com
- Redeem for travel
Redemption in any form requires a minimum cash-back rewards balance of $25 or more. As you can see from the above list, Citi® Double Cash Card redemption options are ultimately all in actual cash form, making the redemption process incredibly straightforward.
Recommended strategy: Have a credit card that pays higher rewards, like 6%, at the grocery store. Take a look at the Blue Cash Preferred® Card from American Express, which can save you a bundle on your groceries every week.
Then use the Citi® Double Cash Card to earn 2% cash back on all other purchases. This will work to your advantage because most cards offering higher rewards on revolving categories only provide 1% on general purchases.
Features and Benefits of Citi® Double Cash Card
Citi® Double Cash Card provides generous features and benefits, in addition to the 18 months 0% APR introductory offer on balance transfers and 2% cash back rewards. Those features and benefits include:
Citi® Entertainment: You’ll get special access to purchase tickets for thousands of events each year. These include presale tickets for concerts, sporting events, and dining experiences.
Fraud protection: Citi® Double Cash Card provides 24-hour fraud protection to alert you of any unusual activity on your account. They also offer Identity Theft Protection.
$0 liability for unauthorized charges: If an unauthorized charge shows up in your account, you won’t be responsible for paying for it. The fraud protection service will alert you of possible unauthorized activity, enabling you to act quickly on any suspicious activity.
Customer service: Available by toll-free phone or live chat 24 hours a day, seven days a week. For faster customer service, just say representative when you call, and you’ll get through quicker.
Digital Wallets: Add your credit card to your digital wallet for faster checkout. Choose Apple Pay, Google Pay, or Samsung Pay.
Account access: You can access your credit card account using either the Citi® website, or the Citi® Mobile App. It’s available on the App Store for iOS devices, 14.0 and later, including iPhone and iPod touch. It’s also available on Google Play, for Android devices.
How to Sign Up for the Citi® Double Cash Card
You must be at least 18 years old and have both a U.S. mailing address and a Social Security number. The application can be completed entirely online or by phone. When you apply online, you must agree to receive monthly statements and some legal notices electronically only. You will be required to provide the following information:
- Your name
- Physical address (you must have a U.S. address)
- Date of birth
- Social Security number
- Drivers license number
- Your annual income
- Your bank account (checking, savings, or money market account)
- Monthly house payment
You’ll have an opportunity to add an authorized user. If so, plan to have that person’s information available for the application.
In addition, have a list of the credit card accounts you want to pay off, if you intend to take advantage of the 0% introductory APR offer on balance transfers.
Citi® Double Cash Card Pricing
- Annual Fee: $0
- Annual Percentage Rate (APR): 18.74% – 28.74%,
- 0% Introductory APR: This applies to balance transfers completed within four months of opening the card, and is effective for 18 months, then 18.74% – 28.74%, variable APR. The 0% intro APR does not apply to purchases.
- Balance transfer fee: Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
- Foreign transaction fees: 3%
- Late payment or return payment fee: Up to $41
Citi® Double Cash Card Pros and Cons
- Balance transfer offer — The 0% intro APR on balance transfers offer is one of the most generous in the industry, extending to 18 months. It’s made even better by the low balance transfer fee – Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min). This is much lower than the 5% many competing cards charge.
- 2% cash back — Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
- Easy rewards redemption — Cash rewards redemption is one of the simplest in the industry. Rewards are unlimited, and can be redeemed in cash and cash equivalents. You’re not limited to using your rewards for a narrow set of redemption options.
- No annual fee — The Citi® Double Cash Card has a $0 annual fee.
- 0% intro APR is for balance transfers only — The 0% APR introductory offer extends only to balance transfers, and does not include purchases.
- There are no higher rewards categories — You won’t see higher rewards like 5% for groceries or gas. However, this is largely offset by getting 2% cash back on all purchases, all the time.
- 3% foreign transaction fee — You may want to consider using another card for international travel or purchases.
Should You Sign Up for the Citi® Double Cash Card?
The Citi® Double Cash Card is the perfect card to sign up for if you have high-interest credit cards and you’re looking to consolidate through a balance transfer. The 0% introductory APR on balance transfers extends to an industry-leading 18 months, and the balance transfer fee is at the low end of the industry range.
This is also an excellent card to have if you’re looking for consistent above-average cash rewards. Citi® Double Cash Card pays 2% on all purchases, unrestricted. Though this isn’t as high as the 5% offers on some cards on revolving categories, it’s both consistent and easy to manage. There’s no need to worry about matching your card use with the category of the quarter or making sure you don’t go over a cap.
The card also offers complete simplicity in redeeming your rewards. They can be redeemed for statement credits against your card balance, checks issued to you personally, gift cards, or even transferred directly into a linked Citibank account. There are no redemption restrictions requiring you to redeem your cash back, points, or miles for select spending categories.
The fact that the Citi® Double Cash Card also has a $0 annual fee, is just a bonus on an already generous credit card package.
Below is a recap of the features, fees, credit score requirements, and alternatives.
Features & Benefits
Security | Credit Score Monitoring, EMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts, Identity theft protection, Virtual Card Numbers |
Contactless Payments | Tap to Pay, Apple Pay, Google Pay, Samsung Pay |
Benefits | 24/7 customer service |
Travel Perks | Access to Special Events and Concerts |
Rewards
Interest Rates & Fees
Annual Fee | $0 |
Foreign Transaction Fee | 3% |
Regular APR | 18.74% - 28.74%, (V) APR |
Balance Transfers | 0% Intro APR for 18 months on balance transfers, then 18.74% - 28.74%,(V) APR after that. |
Balance Transfer Fee | Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min). |
What Credit Score Is Required to Get the Citi® Double Cash Card
The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.
Lowest Approved Credit Score: 635
Average Approved Credit Score: 766
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 04/21/2024 | TransUnion | ||
Approved | 04/21/2024 | Equifax | ||
Approved | 03/12/2024 | Equifax | ||
Approved | 03/12/2024 | Equifax | ||
Approved | 03/12/2024 | Equifax | ||
Approved | 03/12/2024 | Equifax | ||
Approved | 03/12/2024 | Experian | ||
Approved | 03/12/2024 | TransUnion | ||
Approved | 02/03/2024 | Experian | ||
Approved | 02/03/2024 | TransUnion | ||
Approved | 02/03/2024 | Equifax | ||
Approved | 01/19/2024 | Not Provided | ||
Approved | 12/12/2023 | Not Provided | ||
Approved | 01/11/2024 | Not Provided | ||
Approved | 05/22/2024 | Experian | ||
Approved | 11/13/2023 | Not Provided | ||
Approved | 11/28/2023 | TransUnion | ||
Approved | 11/28/2023 | Experian | ||
Approved | 11/28/2023 | Equifax | ||
Denied | 01/03/2024 | Not Provided | ||
Denied | 05/10/2024 | Not Provided |
Pros & Cons
- Welcome offer
- No annual fee
- Up to 2% cash back
- Foreign transaction fee
- Requires good credit
What Are the Best Alternatives?
Chase Freedom Unlimited®
Rating
4.9
Rewards Range
1.5% - 5%
Annual Fee
$0
Synchrony Premier World Mastercard®
Rating
4.6
Rewards Range
2%
Annual Fee
$0
Blue Cash Preferred® Card from American Express
Rating
4.5
Rewards Range
1%-6%
Annual Fee
$0 intro annual fee for the first year, then $95.