With the Citi Double Cash Card, you don’t just earn once—you earn twice. Collect 1% back when you make a purchase and another 1% when you pay it off, giving you a total of 2% back on all eligible spending. From daily groceries and dining to online shopping or travel, this card turns all your purchases into steady rewards.
What makes the Citi Double Cash stand out is its no-nonsense approach. There are no rotating categories or confusing points systems—just clear and consistent cashback that grows with each transaction.
Add in a generous intro APR on balance transfers, and this card becomes a practical option for reducing interest costs while still earning solid rewards. Backed by Citi’s trusted reputation, it’s a reliable choice for those who want value, transparency, and ease.
Key Features & Perks
- Flexible Redemption Options: Rewards are earned as ThankYou® Points, which can be redeemed for cash back, gift cards, travel, online purchases, or even point transfers. This flexibility ensures your rewards match your lifestyle.
- Built-In Motivation: Earn the second half of your rewards when you pay your balance, encouraging smart and timely payments.
- 2% Total Back on Purchases: 1% at the point of sale and 1% when paying off your balance—effectively doubling traditional flat-rate cards.
- Straightforward Rewards: No need to track categories or hit spending caps. Every purchase counts.
- $200 Welcome Bonus: Spend $1,500 within your first 6 months and unlock a $200 cash bonus to kickstart your rewards.
- $0 Annual Fee: Keep more of what you earn, with no yearly cost to hold the card.
- Limited-Time Travel Perk: Earn 5% cash back on hotel and car rental bookings made through Citi Travel℠.
- Global Acceptance: Shop worldwide anywhere Mastercard is accepted, making it a dependable companion at home and abroad.
- Contactless Payment Security: Tap-and-go technology adds convenience and protection at checkout.
- 24/7 Customer Care: Around-the-clock support ensures help is always available.
Eligibility Requirements
To apply for the Citi Double Cash Card, you’ll generally need:
- Credit Standing: A good to excellent score is usually expected.
- Age Requirement: Must be 18 years or older.
- Stable Income: Proof of steady earnings to demonstrate repayment ability.
- Residency: U.S. citizenship or legal residency with a valid SSN.
- Credit Background: A track record of responsible use will improve your odds of approval.
- Existing Citi Accounts: Not required, but a prior relationship with Citi may work in your favor.
Application Process
- Visit the official Citi website and locate the Double Cash Card.
- Click “Apply Now” to begin.
- Carefully review the terms and disclosures.
- Complete the application with your personal and financial information.
- Submit the form and await a decision.
Common Questions
How does the cashback system work?
You’ll earn 1% back when you make purchases and an additional 1% when you pay them off, for a total of 2% on all eligible transactions.
Does the Citi Double Cash have an annual fee?
No. There is no yearly fee, making it cost-effective for consistent rewards.
What are the redemption options?
Rewards can be redeemed for statement credits, gift cards, direct deposits, or checks mailed to you.Can I use this card internationally?
Yes, but note that foreign transaction fees apply, so it may not be the best fit for frequent travelers.
