The Citi® Double Cash Card provides simple cash back and a clean application path.
Key Features You Should Know
You earn a flat 2% on everything. You get 1% when the transaction posts and another 1% as you pay your purchase balance.
To earn the second 1%, you must pay at least the minimum due on time.
Hotels, car rentals, and attractions booked through Citi Travel can earn 5% total.
That stack comes from 1% at purchase, 1% when you pay, and an extra 3% via the portal. There are no reward caps.
Interest Rates and Fees
Rates are variable and based on your credit profile. The typical purchase APR range is 18.24%–28.24% variable.
The cash advance APR is 29.49% variable. The cash advance fee is $10 or 5% of the amount, whichever is greater.
Balance transfers usually have a $5 or 5% fee and may include an intro APR window. The foreign transaction fee is 3% of each purchase.
Late fees can reach $41. Returned payment fees can also reach $41. The minimum interest charge is $0.50.
Who Citi® Double Cash Card Fits
Choose this card if you value predictable rewards and a $0 annual fee. You want a set-and-forget structure with no categories to track.
You usually pay your balance in full and on time. You prefer a simple path to cash back via statement credit or direct deposit.
You mostly spend domestically and do not want to deal with rotating calendars. You do not rely on premium travel perks or lounge access.
How to Apply For Citi® Double Cash Card Online
Have your full legal name and current U.S. address ready. You will provide your Social Security number or ITIN.
List your total annual income and monthly housing payment. Add your email and mobile number for verification.
If you plan a balance transfer, gather the other card’s issuer name, account number, and the amount you want to transfer.
Place a security freeze lift in advance if your credit file is frozen.
- Go to the Citi Double Cash product page and click Apply Now.
- Enter your personal information exactly as it appears on your IDs. Provide your income and housing details accurately.
- Consent to a credit check. Review the Important Pricing & Information disclosure in full. Confirm the purchase APR range, any balance-transfer intro APR, and all fees.
- Submit your application when you are ready. Many applicants receive an instant decision.
- If you are not approved immediately, you may get a decision by mail or email.
How to apply by phone
You can apply with an agent if you prefer the phone. Call 1-877-645-3708 (TTY: 711).
Keep your Social Security number or ITIN, income, and housing information on hand. The agent will read key disclosures.
You will authorize a credit check. Ask the agent to confirm the current APR range and any intro balance-transfer terms before you consent.
Earning and Redeeming Rewards
You earn 1% when the purchase posts and 1% more as you pay the balance. Always pay at least the minimum due on time to earn the second 1%.
Travel bookings through Citi Travel can earn 5% total on hotels, car rentals, and attractions. Rewards accrue as ThankYou® Points.
You can redeem for statement credit, direct deposit, or a check. You can also redeem for gift cards, travel, and other options in the ThankYou program.
Maximizing Value and Avoiding Interest
Set up automatic payments for at least the statement balance to avoid purchase interest.
Use the 23-day grace period by paying your statement balance in full each month. If you transfer a balance, note the $5 or 5% fee and the intro APR length.
Pay off the transferred amount before the promo ends to avoid deferred interest at your purchase APR.
If you travel abroad, use a card with no foreign transaction fees to bypass the 3% surcharge.
Security and Account Management
Enable two-factor authentication on your Citi online account. Set transaction alerts for purchases, international charges, and large amounts.
Lock your card if you misplace it and unlock it when found. Enroll in automatic payments to protect your grace period.
Review statements each month and dispute any unauthorized charge. Keep your contact information current to receive fraud alerts quickly.
Bank Contact Details
General customer service (24/7): 1-800-950-5114
From outside the U.S. (collect): 1-605-335-2222
Apply by phone (Double Cash): 1-877-645-3708 (TTY: 711)
Mailing address (corporate): Citigroup Inc., 388 Greenwich Street, New York, NY 10013, USA
Pros and Cons
Pros
- Simple 2% back on everything.
- $0 annual fee.
- Easy redemptions as cash back via ThankYou® Points.
- 5% total on eligible travel booked through Citi Travel.
- Broad category coverage for everyday spend.
Cons
- 3% foreign transaction fee on international purchases.
- High cash advance APR and fees.
- Balance-transfer intro APR length can vary by offer.
- No premium travel benefits like lounge access.
- No intro bonus is guaranteed and can change over time.
Common Mistakes to Avoid
Do not assume the intro APR will match a third-party review. Always read the live disclosure.
Do not carry a balance on everyday purchases; it erodes your cash back. Do not ignore the balance-transfer fee when calculating savings.
Do not use cash advances unless it is an emergency. Do not forget to set up alerts and autopay on day one.
Conclusion
Pick the Citi® Double Cash Card if you want straightforward rewards and a $0 annual fee.
You earn 2% back on everything, plus 5% total on select Citi Travel bookings. The card fits daily spending and disciplined payers who avoid interest.
Verify the current APR range and any balance-transfer intro terms at application. Apply online in minutes or use the phone line if you prefer human help.
Disclaimer: This article is for educational purposes only and is not financial advice. Card terms, APRs, fees, and promotions can change at any time. Your rates and credit limit depend on your credit profile and the Prime Rate. Always review Citi’s Important Pricing & Information and the Cardmember Agreement at the time of application.
