The Citi Double Cash® Credit Card stands out with its attractive rewards program, offering cardholders the opportunity to earn double cash back on every purchase. New cardmembers can kickstart their rewards journey with a generous $200 cash back bonus after spending $1,500 within the first 6 months of account opening.

What sets this card apart is its unique 2% cash back structure: cardholders earn 1% when they make a purchase and an additional 1% as they pay off their balance, providing a continuous stream of rewards.

There are no category restrictions or enrollment requirements, making it a versatile choice for those who want simplicity and flexibility in their cash back rewards.

Main information about the Citi Double Cash® Credit Card

The Citi Double Cash® Credit Card features a variety of highlights that make it appealing to consumers. Some of the key highlights include:

Double Cash Back Rewards

The Citi Double Cash® Credit Card offers a unique and attractive cash back structure, allowing cardholders to earn 2% cash back on every purchase.

Generous Sign-Up Bonus

New cardmembers can enjoy a $200 cash back bonus after spending $1,500 on purchases within the first 6 months of opening their Citi Double Cash® account.

No Category Restrictions

Unlike many other cash back cards, the Citi Double Cash® Card doesn’t have category restrictions or enrollment requirements.

Limited-Time Travel Rewards

For a limited period, cardholders can earn 5% total cash back on hotel and car rentals booked through the Citi Travel℠ portal until 12/31/24, providing extra value for those who frequently travel.

Low Introductory APR on Balance Transfers

The card offers a 0% introductory APR on balance transfers for 18 months, making it an appealing choice for those looking to manage existing balances more effectively.

Requirements for obtaining the Citi Double Cash® Card

The Citi Double Cash® Credit Card is well-suited for the following individuals:

Fit for Your Lifestyle If:

• Everyday Spenders

Ideal for individuals who want a straightforward cash back rewards program without the hassle of category restrictions.

• New Cardmembers Seeking a Bonus

New cardholders looking for a sign-up bonus can benefit from the $200 cash back offer after spending $1,500 on purchases in the first 6 months.

• Balance Transfer Seekers

Those looking to manage existing balances can take advantage of the 0% introductory APR on balance transfers for 18 months, providing a temporary interest-free period.

• Travel Enthusiasts

During limited-time promotions, the card offers 5% total cash back on hotel and car rentals booked through the Citi Travel℠ portal until a specified date, making it attractive for individuals who frequently travel.

Not Your Ideal Match If:

The Citi Double Cash® Credit Card may not be the best choice for the following individuals:

• Balance Carriers

If you tend to carry a balance from month to month and are not focused on paying off your full statement balance, the variable APR, ranging from 19.24% to 29.24%, could result in significant interest charges.

• Those Seeking Immediate Travel Rewards

While the card offers a limited-time promotion for extra cash back on travel bookings, individuals seeking immediate travel rewards, such as airline miles or specific travel perks, may find other travel rewards cards more suitable.

How to apply

Here is a detailed step-by-step guide on how to apply for the Citi Double Cash® Credit Card:

• Visit the Citi Double Cash® Card Website: Start by visiting the official Citi Double Cash® Credit Card website. Navigate to the credit cards section to find detailed information about the card.
• Gather Necessary Information: Before starting the application, gather the required information, including your personal details, employment information, annual income, and other financial details.
• Click on “Apply Now”: Locate the “Apply Now” button on the Citi Double Cash® Card page and click on it to initiate the application process.
• Fill Out the Application Form: Complete the online application form with accurate and up-to-date information. Provide details such as your name, address, date of birth, social security number, employment details, and income.
• Consent to a Credit Check: Acknowledge and consent to a credit check as part of the application process. This is a standard procedure for credit card applications.
• Submit the Application: Once you have filled out all the necessary information and reviewed the terms, submit your credit card application. The online submission will typically generate an instant response.
• Receive Your Card: If your application is approved, you will receive your Citi Double Cash® Credit Card by mail. Activation instructions will be included.
• Activate Your Card: Follow the instructions provided to activate your new Citi Double Cash® Credit Card. This often involves calling a specified number or activating the card online.