The Citi® Double Cash Card is one of the most rewarding cashback credit cards available, offering an easy and straightforward way to earn unlimited 2% cashback on all purchases.

Unlike other cards that complicate rewards with categories or limits, this card delivers consistent value with a simple formula: 1% cashback when you make a purchase and 1% cashback when you pay it off.

With no annual fee and a 0% introductory APR offer, the Citi® Double Cash Card is ideal for everyday spenders, those consolidating debt, or anyone looking to maximize cashback rewards without the hassle.

In this guide, we’ll explore the features, benefits, and step-by-step application process for the Citi® Double Cash Card to help you decide if it’s the perfect fit for your wallet.

Key Features of the Citi® Double Cash Card

The Citi® Double Cash Card stands out for its simplicity and value. Here are the card’s standout features:

• Unlimited 2% Cashback: Earn 1% cashback when you make a purchase and an additional 1% cashback when you pay your balance.
• No Annual Fee: Enjoy the rewards without any yearly maintenance costs.
• 0% Introductory APR: Get 0% APR on balance transfers for the first 18 months (a balance transfer fee applies), followed by a variable APR.
• No Category Restrictions: Earn cashback on every purchase, no matter where you shop or what you buy.
• Flexible Redemption Options: Redeem cashback as statement credits, direct deposits, checks, or points through Citi ThankYou® Rewards.
• Access to Citi Entertainment®: Enjoy exclusive access to events, concerts, and experiences through the Citi Entertainment® program.

These features make the Citi® Double Cash Card an excellent choice for cardholders who want reliable and effortless cashback on all their spending.

How Does the Citi® Double Cash Card Cashback Work?

The Citi® Double Cash Card rewards you with cashback in a unique yet straightforward way:

1. 1% Cashback When You Spend
   You earn 1% cashback every time you make a purchase. There are no categories or spending limits—you’ll earn this rate on everything.
2. 1% Cashback When You Pay
   You earn an additional 1% cashback when you make a payment toward your balance. This encourages responsible credit card use and rewards you for paying off your purchases.

Example:
If you spend $1,000 on purchases and pay it off, you’ll earn:

• $10 cashback when you spend (1%).
• $10 cashback when you pay (1%).
• Total cashback: $20 (2%).

The cashback is unlimited, so you can continue earning 2% no matter how much you spend.

Top Benefits of the Citi® Double Cash Card

The Citi® Double Cash Card delivers exceptional benefits that make it a reliable choice for maximizing rewards and managing finances:

1. Unlimited 2% Cashback

Earn 1% when you buy and 1% when you pay, for a total of 2% cashback on all purchases. There are no caps, bonus categories, or complicated rules.

2. No Annual Fee

You can enjoy the card’s generous rewards without paying an annual fee, making it a great long-term option.

3. 0% Introductory APR on Balance Transfers

The card offers 0% APR on balance transfers for the first 18 months. This is perfect for consolidating and paying off high-interest credit card debt. After the introductory period, a variable APR applies. (Balance transfer fees apply: either 3% or $5, whichever is greater.)

4. Flexible Redemption Options

Redeem your cashback in multiple ways:

• As a statement credit to reduce your card balance.
• As a direct deposit to your bank account.
• By receiving a physical check.
• By converting cashback into points with Citi ThankYou® Rewards for gift cards or travel.

5. Access to Citi Entertainment®

Enjoy exclusive access to entertainment experiences, including concerts, sports events, and theater performances through the Citi Entertainment® program.

6. Streamlined Simplicity

With no bonus categories to track and no limits on rewards, the Citi® Double Cash Card keeps your cashback strategy simple and effective.

Who Should Get the this Card?

The Citi® Double Cash Card is ideal for:

Everyday Spenders: If you want a card that earns consistent cashback on every purchase without limits, this is the perfect choice.

Budget-Conscious Consumers: The no annual fee feature makes it a cost-effective option for earning rewards.

Debt Consolidators: The 0% APR on balance transfers for 18 months can help you pay down existing high-interest debt.

People Who Pay Off Their Balance Monthly: Since the full 2% cashback depends on paying your balance, this card rewards responsible spending habits.

Simplifiers: If you prefer a card without rotating categories or tracking bonuses, the flat 2% cashback simplifies your financial strategy.

How to Apply for the Citi® Double Cash Card

Applying for the Citi® Double Cash Card is quick and straightforward. Follow these steps:

1. Check Eligibility Requirements

Make sure you meet the basic eligibility criteria:

• Be at least 18 years old (or older, depending on your state).
• Have a valid Social Security Number (SSN).
• Maintain a good to excellent credit score (recommended: 670 or higher).

2. Gather Your Information

Have the following details ready:

• Full legal name and date of birth
• Social Security Number (SSN)
• Contact information (address, phone number, and email)
• Employment details and annual income

3. Visit the Citi Website

Go to the official Citi website and find the Citi® Double Cash Card page. Click on “Apply Now” to start your application.

4. Complete the Application

Fill out the online application form with your personal and financial information. Double-check for accuracy before submitting.

5. Submit and Wait for Approval

You may receive an instant decision. If further review is required, Citi will notify you within 7-10 business days.

6. Activate Your Card

Once approved, your card will arrive within 5-7 business days. Activate it online or by phone, and start earning 2% cashback right away!

You will be redirected to another site.

Tips for Maximizing Your Citi® Double Cash Rewards

Use It for All Purchases: Since the card earns 2% cashback on everything, make it your go-to card for all spending.

Pay Your Balance in Full: To earn the full 2% cashback, make sure to pay off your purchases on time.

Consolidate Credit Card Debt: Use the 0% APR on balance transfers to pay off high-interest credit card balances.

Redeem Strategically: Maximize your cashback by choosing the redemption option that best suits your needs—statement credits, direct deposits, or gift cards.

Monitor Your Spending: Track your rewards and spending habits through Citi’s online portal or mobile app.

---

Conclusion

The Citi® Double Cash Card is a top choice for individuals looking for a simple, effective, and rewarding credit card. With its unlimited 2% cashback (1% when you buy and 1% when you pay), no annual fee, and 0% APR on balance transfers for 18 months, it offers exceptional value for everyday spending.

Whether you’re consolidating debt, simplifying your cashback strategy, or looking for a reliable card with no fuss, the Citi® Double Cash Card delivers consistent rewards and flexibility.

Read more: Wells Fargo Active Cash® Card: Unlimited 2% Cashback

---

FAQ: Frequently Asked Questions

How does the Citi® Double Cash Card cashback work?

You earn 1% cashback when you make a purchase and an additional 1% cashback when you pay off your balance.

Is there an annual fee for the Citi® Double Cash Card?

No, the Citi® Double Cash Card has no annual fee.

What is the introductory APR offer?

The card offers 0% APR on balance transfers for the first 18 months (a balance transfer fee applies).

Does the Citi® Double Cash Card have spending limits on rewards?

No, there are no caps or limits on the amount of cashback you can earn.

What credit score is required for the Citi® Double Cash Card?

A good to excellent credit score (670 or higher) is recommended for approval.

How can I redeem my cashback?

You can redeem your cashback as statement credits, direct deposits, checks, or convert it to Citi ThankYou® Rewards points.

How long does it take to receive the card after approval?

You will typically receive your card within 5-7 business days after approval.