If you want simple cash back, clear terms, and solid value, the Citi Double Cash Credit Card delivers exactly that.
Below you’ll find how it works, key rates and fees, redemption choices, who this card suits, and how to apply for Citi Double Cash Credit Card.
How the 2% Rewards Actually Work
You earn 1 ThankYou Point per $1 when you make a purchase and 1 additional point per $1 as you pay for that purchase.
That equals 2% total when you pay your bill on time and at least the minimum due.
Purchases earn; balance transfers, cash advances, fees, and interest do not. There’s no cap and no category enrollment to track.
Extra Earn on Citi Travel Portal Bookings
When you book hotels, car rentals, and attractions through the Citi Travel portal, you earn an additional 3% (3 extra points per $1).
This is on top of your normal 1% + 1% structure. That totals 5% (5x points) on those portal bookings.
If you often book via issuer portals, this can be an easy booster without juggling rotating categories.
Redemption Options and Value
Your cash back is tracked as ThankYou Points. You can redeem for: statement credit, direct deposit, or check (e.g., 10,000 points = $100).
Also, for gift cards, travel, and Shop with Points at Amazon (rates can vary by option).
ThankYou terms govern how points accrue and are redeemed, including expirations or program updates.
Fees You Should Know
If you plan to move debt, the Citi Double Cash Credit Card commonly features a 0% intro APR on balance transfers for 18 months.
The intro APR does not apply to purchases.
- Annual fee: $0.
- APR: 17.99%–27.99% variable.
- Foreign transaction fee: 3% of each purchase in U.S. dollars.
- Balance transfer fee: Intro 3% of each transfer ($5 min) completed within the first 4 months of account opening; then 5% ($5 min).
- Cash advance fee: $10 or 5%, whichever is greater.
Check your disclosure for the exact fees that apply to your account.
Citi Double Cash Credit Card Application
Use Citi’s card page and choose Apply Now. Confirm key terms on the Pricing & Information (Schumer box).
You’ll need your legal name, address, SSN/ITIN, income, housing costs, and contact details.
This is standard for U.S. credit applications and appears on Citi’s online form flow.
If you plan to move a balance, have the other card’s issuer name, account number, and amount ready.
Who This Card Fits Best
Choose Double Cash if you want reliable, hands-off cash back on every purchase, and you pay on time.
It’s ideal if you dislike managing categories or quarterly activations.
It also fits if you want a long balance transfer intro APR to pay down a balance, and you can avoid new purchases until the transfer is gone.
If you travel internationally often, the 3% foreign transaction fee is a trade-off; keep a no-FTF card for those trips.
Practical Tips to Max Your Value
Autopay at least the statement balance. You get half the reward when you buy and the other half only when you pay.
Use Double Cash for “everything else.” Keep it as your default card where other products don’t beat 2%.
Leverage Citi Travel only when the price is right. The extra 3% can be compelling, but compare portal prices and policies with direct bookings.
Plan balance transfers carefully. Complete transfers within 4 months to lock the 3% intro fee and target payoff within 18 months.
Key Protections and Network
The Citi Double Cash Credit Card is a Mastercard, so you get wide merchant acceptance and standard network protections where applicable.
Specific protections may vary by product and benefits guide.
Review your Guide to Benefits after approval for details such as purchase security and extended warranty terms.
How to Reach Citi (Phone and Address)
General support for Citi Cards: 1-800-950-5114 (English). For Spanish support, 1-800-947-9100.
Use the number on the back of your card once you’re approved.
Mailing address (corporate headquarters): Citi, 388 Greenwich Street, New York, NY 10013, USA.
Do not send payments or sensitive correspondence here unless your statement directs you to do so; use the addresses listed on your billing statement.
FAQs You’re Probably Asking
Does Double Cash have a welcome offer?
- Citi often markets a $200 cash back bonus after you meet a spending requirement; check the current offer on Citi’s site before you apply, as promotions change.
Is there a 0% purchase APR?
- No. The intro offer generally applies to balance transfers only. If you need no-interest financing on new purchases, consider a card with a purchase intro APR.
Can I pair points with other Citi cards?
- Double Cash earns ThankYou Points, which can be more valuable when paired with eligible premium ThankYou cards for travel partners. Review ThankYou terms and your lineup before combining or transferring.
Pros and Cons at a Glance
Pros
- Simple 2% structure on every purchase you pay off.
- No annual fee and broad acceptance.
- Long 0% intro APR on balance transfers (18 months).
- 5% total on select Citi Travel portal bookings.
Cons
- No 0% intro APR on purchases.
- 3% foreign transaction fee on non-U.S. purchases.
- Balance transfers have a fee and can affect purchase grace periods if you carry a balance.
Bottom Line
If you want set-and-forget cash back, the Citi Double Cash Credit Card is one of the most consistent 2% cards you can carry.
You earn on every purchase and again when you pay, with no annual fee and a strong balance transfer window for debt payoff.
Add the 5% portal earn on select travel, and you have a straightforward card that fits most wallets.
Disclaimer: This article is informational and not financial advice. Card rates, fees, rewards, and offers change; always review Citi’s Important Pricing & Information and the Cardmember Agreement before applying or making decisions. Use the phone numbers on Citi’s official contact page or the number on the back of your card for account-specific help.
