Citi Double Cash credit card review |

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Citi® Double Cash Card review

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A no-annual-fee credit card with a high cashback rate on all purchases.’s rating: 3.4 / 5.0


  • Get this card if you want cashback rewards on all purchases.
  • Pick something else if you want more cash back in specific categories.
  • Apply with a good credit score of 670 or higher.

Up to 2%

Cash back


Annual fee

15.99% to 25.99%

Purchase APR (variable)


Intro Balance Transfer

for the first 18 months (then 15.99% to 25.99% variable)


Product NameCiti® Double Cash Card
Card typeVisa
Annual fee$0
Purchase APR15.99% to 25.99% variable
Balance transfer APR0% intro for the first 18 months (then 15.99% to 25.99% variable)
Balance transfer fee$5 or 3% of the transaction, whichever is greater
Cash advance rate27.24% variable
Cash advance fee$10 or 5% of the cash advance amount, whichever is greater
Penalty APR29.99% variable
Foreign transaction fee3% of the transaction value
Interest free periodUp to 23 days
Late payment feeUp to $39
Returned payment feeUp to $39
Additional cardholder fee$0

The basics

This card has lots of perks, but what most people like is the ability to earn cash back twice — with 1% on unlimited purchases and 1% as you pay for your purchases over time.

Furthermore, you get one of the longest intro APR periods on balance transfers when compared to similar cards, which is ideal if you’re stuck with a high APR on another non-Citi account.

Another cashback card

HSBC Cash Rewards Mastercard® credit card

  • Earn unlimited 1.5% cash back on all purchases.
  • Earn an Introductory 3% Cash Back on all purchases in the first 12 months from Account opening, up to the first $10,000 in purchases
  • 10% Anniversary Bonus on all cash rewards earned once a year.
  • No Annual Fee.
  • 0% Intro APR for 12 months on purchases and balance transfers, then a 14.99% - 24.99% variable APR.
  • No Foreign Transaction Fees.
  • $0 liability for unauthorized purchases.
  • Terms Apply.
  • See Rates And Fees
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The perks

  • Cash back.
    1% cash back when you make purchases and 1% cash back when you pay off your card This lets you earn cash back twice and is the highest unlimited rate on all purchases that you can get. The industry standard is 1.5% back.
  • Intro APR on balance transfers.

    Get a 0% intro APR for 18 months for balance transfers that are completed within four months of your account opening. Keep in mind that even during the intro period you’ll pay a balance transfer fee of either $5 or 3% of the transaction. After the intro period, a transfer APR of 15.99% to 25.99% variable applies. This is one of the longest intro APR periods that you can get when compared to similar cards.

  • No annual fee.

    You get these perks without paying an annual fee.

Compare Citi credit cards with no annual fee

Compare similar cashback credit cards

Name Product Annual fee Balance transfer APR Purchase APR Filter values
0% intro for the first 15 months (then 16.24%, 22.24% or 26.24% variable)
0% intro for the first 15 months (then 16.24%, 22.24% or 26.24% variable)
Earn unlimited 1.5% cash back on every purchase, every day.
0% intro for the first 12 months (then 14.99% to 24.99% variable)
0% intro for the first 12 months (then 14.99% to 24.99% variable)
Earn 3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases. See Rates and Fees.
0% intro for the first 12 billing cycles (then 15.74% to 25.24% variable)
15.74% to 25.24% variable
When you spend $500 on your card within the first 90 days, you’ll receive a $150 cash back bonus. Rates & Fees
0% intro for the first 12 months (then 14.74% to 25.74% variable)
0% intro for the first 12 months (then 14.74% to 25.74% variable)
Earn $250 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & fees
0% intro for the first 12 billing cycles (then 14.99%, 19.99% or 24.99% variable)
14.99%, 19.99% or 24.99% variable
Earn $200 cash back when you spend $500 within 90 days after account opening.

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How much cashback rewards can I earn with the Citi® Double Cash Card?

The Citi® Double Cash Card can be one of the best cashback cards you’ll own as long as you consistently pay off your purchases.

Here’s how much cash back you might earn based on this sample budget:

  • $1,000 a month x 1% = $120 cash back a year
  • Pay off $1,000 a month in purchases x 1% = $120 cash back a year.

In total, you’d earn $240 cash back in a year as long as you paid your balance in full each month.

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You’ll also like …

  • Late-fee pass.

    You won’t pay any fees when you make a late payment for the first time.

  • Citi® Private Pass®.

    Enjoy special access when you want to buy presale tickets or VIP packages for concerts, sports events, dining and more.

  • Credit card protection.

    Citi monitors your account 24/7 and alerts you in case of suspicious activity. You can also get your lost card replaced within 24 hours.

  • Apple Pay®.

    Pay at more than 200,000 stores or in-app with your Apple device.

Is there a Citi® Double Cash Card signup bonus?

This card doesn’t currently offer a signup bonus. However, Citi periodically offers a balance transfer intro APR period that beats what you’ll typically find with other no-annual-fee cashback cards.

Compare the Capital One® Quicksilver® Cash Rewards Credit Card and Citi® Double Cash Card

Case study: Ryan’s experience

profile pic

Ryan Brinks
Assistant Publisher

When Citi first came out with the Double Cash card, I got an invitation to upgrade my existing Citi card. I already had a cashback card from another brand in my wallet that offered 5% back on select categories, so I ran the numbers to see if the Double Cash reward on all purchases would put more money back in my pocket. It was hardly a comparison.

I upgraded to the Double Cash card and have yet to find another credit card that compares for everyday purchases. I’ll still use the 5% cashback card occasionally, but Double Cash is my go-to for purchases day in and day out. It takes the hassle out of managing multiple cards.

What to watch out for

  • Balance transfer limits.

    Complete all balance transfers within four months of card membership to use the intro APR period. For each balance transfer, you’ll pay a fee of either $5 or 3% of the transaction, whichever is greater.

    The amount you want to transfer including the fees cannot be higher than your credit line.

  • High late payment fees.

    You won’t pay any fees for your first late payment. But starting from the second, you’ll pay up to $39. If you make one late or returned payment, Citi may impose a penalty APR of up to 29.99% variable, which may last indefinitely.

  • Citi® Double Cash Card foreign transaction fees.

    Use this card abroad and you’ll pay a fee of 3% of each transaction. This can quickly add up on a trip spanning several days.

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How does a balance transfer work with this card?

Call customer support on the back of your card to request a balance transfer. Alternatively, Citi lets you request balance transfers with your card application. Once requested, it will take 14 days to process your transfers.

To receive a 0% intro APR on balance transfers for 18 months from account opening, complete your transfers within four months of opening your account. After the intro period passes, your rate will revert to 15.99% to 25.99% variable.

You can only transfer amounts that don’t exceed your credit limit. Also, Citi won’t process balance transfers coming from accounts that it or its affiliates have issued to you.

For each transfer, you’ll pay either $5 or 3% of the transaction, whichever is greater. This means you’ll pay $30 for a $1,000 balance transfer.

What should I know before I apply?

Apply for the Citi® Double Cash Card if you’re at least 18 years old and a US citizen.

When you fill out your application form, you’ll need to provide:

  • Your name and contact information.
  • Your date of birth and Social Security number.
  • Security details for your account.
  • Your income amount and sources.

You can also add authorized users at this time, or wait and add them later.

What credit score do I need?

To increase your chances of approval and get a higher credit line and lower APR, apply with a credit score of 670 or higher.

Credit Range Approval Rate
720–850 96%
680–719 82%
620–679 43%
300–619 10%
Not Sure 40%

What do customers say about the Citi® Double Cash Card?

Most customers love that they can earn cash back twice and the long intro APR period on balance transfers. However, some customers were disappointed with the card and claimed that their accounts were locked because of fraudulent activity when there was no fraud.

The Better Business Bureau hasn’t accredited Citi, but it receives a dismal F rating based on its failure to respond to 76 complaints and government actions taken against the company. As of August 2018, the bank has nearly 4,000 complaints filed against it, with customers citing issues with money transfers, having accounts closed for no reason, difficulty disputing fraudulent charges and more.

We’ve polled hundreds of Citi® Double Cash Card users — here’s what we’ve found:

Application icon Application process rating: 73%
Customer service icon Customer service rating: 81%
gauge credit meter Approval rate for 720–850 credit range: 96%
priority meter No. 1 reason people apply: $0 annual fee
Pay monthly balance 2 47% pay monthly balance in full

How to apply for the Citi® Double Cash Card

  1. Go to the Citi website.
  2. Find the Citi® Double Cash Card from the list of cards and click Apply now.
  3. Complete the application form with your personal and financial information.
  4. Review your application and submit it.

How long will it take to get my Citi® Double Cash Card?

Because approval is automated on the Citi website, you may receive an answer in as little as 30 seconds. If additional information is needed, it may take up to 10 business days for a decision to be reached.

Upon approval, you can expect your card to arrive within seven to 10 business days.

Blue Cash Preferred® Card from American Express vs Citi® Double Cash Card

I got the card. Now what?

  • Download the Citi® Mobile app. Use the app to activate your card, make payments and set alerts, view your FICO score or find an ATM nearby.
  • Avoid paying interest. You have 23 days after the close of each billing cycle to pay without incurring interest.
  • Contact customer support. If you need help with your account, call 1-866-422-0306 or 1-210-677-0065 if you’re outside of the US.

How do I redeem Citi® Double Cash Card rewards?

Once your reward reaches $25, call 855-473-4583 or visit the Citi website to redeem your reward as a:

  • Check
  • Statement credit
  • Credit to your linked checking or savings account

Best cash back credit cards for excellent credit

Bottom line

If you’re looking for a simple credit card with high cash back on all purchases, this could be the right card for you. In addition to cash back, you’ll get one of the longest intro APR periods on balance transfers compared to other cards.

To get the card that best suits your needs, make sure to check out other balance transfer or cashback credit cards.
Citi® Double Cash Card vs American Express Cash Magnet® Card

Frequently asked questions


Cashback card ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our team evaluates credit cards to determine their value against similar cards on the market.

We rank card types — travel, cash back, business — on a set of factors that are most relevant to that type of card. We create these rankings to help you narrow down a credit card that best suits your spending and budget.

Learn the details of our methodology and scoring.

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