Citi Double Cash® Credit Card

Earn unlimited cash back with the Citi Double Cash® Credit Card — no annual fee required.

If you’re looking for a credit card that rewards your everyday purchases without complexity, the Citi Double Cash® Credit Card could be your perfect match.

With up to 2% cash back on every purchase and one of the longest 0% APR balance transfer offers on the market, this card offers real value with no annual fee.

It’s a go-to choice for those who want simplicity, transparency, and steady cash rewards—without worrying about rotating categories or confusing reward structures.

Whether you’re managing debt or simply want more from your spending, the Citi Double Cash Card is worth a closer look.

Credit Card
Citi Double Cash
Zero annual fee Zero percent introductory APR
Flat two percent cashback on all purchases.
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Key Benefits of the Citi Double Cash® Credit Card

Here are some standout features that make this card one of the best flat-rate cashback options available:

  • Earn up to 2% cash back: 1% when you make a purchase, and 1% when you pay it off.
  • No annual fee, so all your rewards stay in your pocket.
  • 18 months of 0% intro APR on balance transfers (then a variable APR applies).
  • Flexible redemption options: Redeem your cash rewards as a statement credit, direct deposit, or check.
  • Citi Quick Lock and $0 liability protection to keep your account secure.
  • Combine with other Citi cards to convert cashback into ThankYou® Points for travel rewards.

Citi Double Cash® Credit Card: Straightforward and Rewarding

The Citi Double Cash® Credit Card is ideal for those who appreciate simple, effective rewards. It earns a flat 2% cash back—1% when you buy and 1% as you pay—which encourages timely payments while offering steady value.

This structure makes it an excellent card to use daily for groceries, gas, dining, or online purchases. Unlike other cashback cards, there’s no need to track rotating categories or enroll in special programs.

If you’re responsible with payments, you’ll enjoy one of the most consistent rewards structures on the market.

Who Should Consider the Citi Double Cash® Credit Card?

This card isn’t for everyone, but it’s a smart choice for these profiles:

  • Everyday spenders who want a high, flat cash-back rate with no effort.
  • People consolidating debt who need a long balance transfer period at 0% APR.
  • Responsible payers who pay at least the minimum on time each month to unlock full rewards.
  • Citi cardholders who want to boost ThankYou® Points by combining with a Citi travel rewards card.
Credit Score Requirements

To qualify for the Citi Double Cash® Credit Card, you’ll need to meet the following:

  • Good to excellent credit score, typically 670 to 850.
  • A stable income and positive credit history with on-time payments.
  • U.S. residency and a valid Social Security number.

If you’re still building credit or have a limited credit history, this card may not be the best fit.

Flexible Redemption and Travel Value

Although this card is primarily for cashback, it becomes even more powerful when paired with a Citi travel rewards card.

  • Combine rewards with cards like the Citi Premier® or Citi Prestige® to convert cash back into ThankYou® Points.
  • Use points for travel, gift cards, or transfer to airline and hotel partners.
  • Maximize non-bonus spending by using Citi Double Cash for all general purchases and a travel card for specific bonus categories.

This makes it a fantastic strategy for frequent travelers who want value and flexibility.

No Welcome Bonus: A Tradeoff to Consider

One of the few downsides of the Citi Double Cash Card is the absence of a welcome bonus. Many other cards offer $150 to $200 after meeting minimum spend requirements.

However, the flat 2% cash back on every purchase helps make up for that—especially over the long term. If you value immediate signup bonuses, you may want to pair this card with a limited-time rewards card and then make Double Cash your daily driver.

Things to Keep in Mind

Before applying, here are a few key considerations:

  • You must pay at least the minimum due each month to earn the full 2% cash back.
  • Balance transfers must be completed within 4 months of account opening to qualify for 0% APR.
  • A balance transfer fee of 3% (minimum $5) applies.
  • No 0% APR on purchases—only balance transfers are included in the promo.
  • Cash advances and balance transfers do not earn rewards.

If you frequently carry a balance or miss payments, you may not benefit from this card’s rewards.

Smart Cashback Strategy with Citi Double Cash

To get the most out of your Citi Double Cash® Credit Card, follow these simple strategies:

  • Pay your balance in full to avoid losing half of your cashback.
  • Track your purchases and set up auto-pay for the minimum to never miss a reward.
  • Use with a travel card to convert cash into Citi ThankYou® Points and travel smarter.
  • Avoid using for balance transfers unless it’s part of your debt reduction plan.

This card truly rewards responsible financial behavior.

Additional Perks Worth Mentioning

Aside from its core features, here are some other useful benefits:

  • No category activation or limits—just swipe and earn.
  • No foreign transaction fees make it suitable for international travel.
  • Compatible with digital wallets like Apple Pay® and Google Pay™ for seamless spending.
  • Citi Entertainment® access gives you presale tickets and exclusive events.

These extras enhance the value without complicating your rewards strategy.

How to Apply for the Citi Double Cash® Credit Card

Applying for the Citi Double Cash Card is easy and can be done online or by phone.

Online Application

  • Visit Citi’s official website and go to the Citi Double Cash Card product page.
  • Click “Apply Now” to start your application.
  • Fill in your personal details: name, address, Social Security number, income, housing status, and employment info.
  • Review your application and submit it securely online.
  • Get a decision typically within minutes.

Phone Application

  • Call Citi’s customer service at 1-800-CITI (1-800-248-6246).
  • Provide your information to a Citi representative who will assist you with the process.
  • Receive your application decision during or after the call.

After Approval

If approved, your card will be mailed to your address with activation instructions. If denied, Citi will send an explanation and may suggest other products better suited to your profile.

Credit Protection Features

Citi takes your security seriously. Here’s what you can expect from this card:

  • Early fraud alerts via SMS, email, phone, or mail.
  • $0 liability for unauthorized charges, so you’re not responsible for fraudulent activity.
  • Citi Quick Lock lets you temporarily freeze your card if lost or stolen.
  • Identity theft protection services to monitor and respond to threats.

These features make it a safe option for everyday purchases.

Conclusion

The Citi Double Cash® Credit Card is one of the most straightforward, rewarding, and flexible credit cards on the market.

With up to 2% cash back on every purchase, no annual fee, and an 18-month balance transfer offer, it’s an ideal card for smart spenders and debt managers alike.

Whether you’re looking to pay off existing balances or maximize your everyday purchases, Citi Double Cash delivers value you can count on—without the hassle of categories or fees.

Click below to apply now and take the next step toward smarter, more rewarding financial habits.

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