All Reviews of the Citi Double Cash credit card | February 2018

Review: Citi Double Cash Credit Card

The main draw of the Citi Double Cash card is in its name: earn cash back twice. A competitive rate with no annual fee makes this a fan favorite.

citi double cash card review
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finder score: 84%

Avg. critics score: 99%
2 critics
Avg. user score: 69%
1,821 users
Read why reviewers are calling this the “best cash back credit card” of 2017 with “low hassle” and an “exceptional rewards rate.”
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$0annual fee
14.49%–24.49%variable APR
720–850credit score range
More card details…

Citi Double Cash Credit Card details

Product nameCiti® Double Cash Credit Card
Issuing bankCitibank
Recommended credit score range720–850 (good to excellent)
Annual fee$0
Signup bonusN/A
Intro purchase APR0% APR for 15 months
Intro balance transfer APR0% balance transfer APR for 12 months
Balance transfer fee$5 or 3% of the transaction, whichever is greater
Foreign transaction fee3% of each purchase in US dollars
Cash advance rate26.24% variable
Cash advance fee$10 or 5% of the transaction, whichever is greater
Penalty APRUp to 29.99%
Late payment feeUp to 29.99%
Returned payment feeUp to 29.99%
Overlimit feeN/A
Maximum credit limitN/A
Minimum APR14.49%
Read why reviewers are calling this the “best cash back credit card” of 2017 with “low hassle” and an “exceptional rewards rate.”

Critic reviews

CriticRatingNotable quotable
nerdwallet logo NerdWallet’s Gregory Karp“If you want a low-hassle, flat-rate rewards card, it’s difficult to beat the Citi® Double Cash Card offer because its rewards apply to all spending and have no limit.” Read more
“If you want a low-hassle, flat-rate rewards card, it’s difficult to beat the Citi® Double Cash Card offer because its rewards apply to all spending and have no limit.” Read more
wallethub logoWalletHub’s John S. Kiernan100%“Citi Double Cash is 2017’s best cash back credit card, according to WalletHub’s analysis, thanks to its exceptional rewards rate, lack of an annual fee, and unique good-behavior incentive. Most credit cards don’t pay you for paying your bill, after all.” Read more
“Citi Double Cash is 2017’s best cash back credit card, according to WalletHub’s analysis, thanks to its exceptional rewards rate, lack of an annual fee, and unique good-behavior incentive. Most credit cards don’t pay you for paying your bill, after all.” Read more
Value Penguin logoValuePenguin’s Robert Harrow98%“Easily the best cashback card on the market.” Read more
“Easily the best cashback card on the market.” Read more

User reviews

UsersAvg. ratingReview countNotable quotable
nerdwallet logo NerdWallet’s users62%184 reviews“The idea behind this card is great — 2% cash back on all purchases! I’d love to use this card for everything, but, despite my excellent credit rating, they only gave me a credit limit of $4,600. I called and tried to get it increased, but they wouldn’t do it. Hopefully, when they see I pay off my bill in full every month, they’ll agree to increase my limit. In the meantime, I spend on this one up to its limit, then switch to another card. (I should mention that I have several cards, all with a limit of at least $10,000.)” Read more
“The idea behind this card is great — 2% cash back on all purchases! I’d love to use this card for everything, but, despite my excellent credit rating, they only gave me a credit limit of $4,600. I called and tried to get it increased, but they wouldn’t do it. Hopefully, when they see I pay off my bill in full every month, they’ll agree to increase my limit. In the meantime, I spend on this one up to its limit, then switch to another card. (I should mention that I have several cards, all with a limit of at least $10,000.)” Read more
wallethub logoWalletHub’s users70%1,401 reviews
credit karmaCreditKarma’s users76%236 reviews“I’ve had the card for over 2 years now … I have a couple other specialty category cars, but this is my general use (everything else) card. 2% is a nice floor. The limit started low, but Citi lets you request an increase every 6 months or so with no hard pull. I’ve been approved for most of those. All-in-all this card has been good to me.” Read more
“I’ve had the card for over 2 years now … I have a couple other specialty category cars, but this is my general use (everything else) card. 2% is a nice floor. The limit started low, but Citi lets you request an increase every 6 months or so with no hard pull. I’ve been approved for most of those. All-in-all this card has been good to me.” Read more

Citi Double Cash review

What you need to know

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.

While you can earn cash back on any purchase, you won’t earn any cash back for balance transfers, returned items, cash advances, account fees or interest. Cash back can be redeemed for checks, statement credits or gift cards.

Perks

  • Late-fee pass. You can enjoy a pass on your first late fee.
  • Travel protection. The card includes worldwide travel accident insurance, worldwide car rental insurance that covers your rental car from theft or damage, trip cancellation and interruption protection. If your trip plans go awry, this protection can possibly reimburse you for nonrefundable trip expenses.
  • Security protection. The card includes 24-hour fraud protection. Where you’ll receive an alert for any unusual activity. Citi also offers identity theft solutions and a lost wallet service that can replace your card within 24 hours if lost. The lost wallet service feature can also provide you with emergency cash.
  • Purchase protection. As a cardholder, you’re never liable for unauthorized purchases. The Citi Double Cash Card also extends the manufacturer’s warranty on your purchases made with the card. Additionally, the card includes damage and theft purchase protection: If items you purchased with your card are damaged or stolen within 120 days (90 days for New York residents), this feature may cover a repair or refund on the items.
  • No categories or caps. There’s no rotating bonus categories when you earn cash back and no cap on how much you can earn.

What to watch out for

  • No appealing signup bonus. Some cards offer a big signup bonus, where you can get thousands of signup or purchase bonus points for signing up. This card does not do that, but the Citi Double Cash Card does offer an introductory APR for balance transfers for the first .
  • No travel redemption options. If you’re interested in redeeming your rewards on travel offers, this may not be the most beneficial card.

Average approval rate for the Citi Double Cash credit card

Credit rangeApproval rate
720–85096%
680–71982%
620–67943%
300–61910%
Not sure40%

Compare other Citi credit cards

Rates last updated February 20th, 2018
Name Product APR for Purchases ( Purchase Rate ) Intro APR for Balance Transfer Annual fee Product Description
Citi® Double Cash Card
14.74% to 24.74% variable
0% Intro APR for 18 months (with the amount of each transfer, $5 or 3% balance transfer fee)
$0
Earn 1% cash back for payments on purchases, on top of the 1% cash back on purchases. No annual fee.
Citi ThankYou® Preferred Card
14.74% to 24.74% variable
0% Intro APR for 15 months (with whichever is greater, $5 or 3% balance transfer fee)
$0
Enjoy our low intro APR for 15 months on purchases and balance transfers.
Citi® Secured Mastercard®
23.74% variable
$0
Start building credit for tomorrow with a secured credit card.
AT&T Access Card from Citi
15.24% to 24.24% variable
$0
Get rewarded for purchases you're already making with the AT&T Access Card, a top rewards credit card from Citi. Apply for the AT&T credit card today and start earning ThankYou® Points redeemable for gift cards, travel rewards electronics and much more.
Citi Simplicity® Card
15.24% to 25.24% variable
0% Intro APR for 18 months from date of first transfer; completed within 4 months (with whichever is greater, $5 or 3% balance transfer fee)
$0
This is the only card with No Late Fees, No Penalty Rate and No Annual Fee - Ever. Give it a try and apply to find out what the Citi Simplicity® Card can do for you.
Citi Prestige® Card
16.99% to 24.99% variable
$450 for the primary cardmember
Complimentary 4th night stay at any hotel of your choice after a minimum 4-consecutive night booking through ThankYou.com
Costco Anywhere Visa® Card by Citi
16.49% variable
$0
Earn Costco cash rewards everywhere Visa® is accepted.
Citi® Diamond Preferred®
14.24% to 24.24% variable
0% Intro APR for 21 months (with whichever is greater, $5 or 3% balance transfer fee)
$0
Lowest intro APR for 21 months plus VIP Access.
Citi® / AAdvantage® Executive World Elite™ Mastercard®
16.99% to 24.99% variable
$450
Earn 50000 American Airlines AAdvantage® bonus miles after making $5,000 in purchases within the first 3 months of account opening.
Citi® / AAdvantage®  Platinum Select®  World Elite™ Mastercard®
17.24% to 25.24% variable
$0 annual fee for the first year ($95 thereafter)
Earn 60000 AAdvantage® bonus miles after you spend $3,000 in the first 3 months.
Citibank AT&T Universal Savings and Rewards Card
13.99% to 23.99% variable
0% Intro APR for 12 months (with whichever is greater, $5 or 3% balance transfer fee)
$0
Earn 10000 bonus ThankYou Points after spending $500 in your first 3 months.
Citibank AT&T Universal Savings Platinum Card
13.99% to 23.99% variable
0% Intro APR for 15 months (with whichever is greater, $5 or 3% balance transfer fee)
$0
Citi ThankYou® Preferred Card for College Students
15.74% to 25.74% variable
$0
Earn 2500 bonus points after spending $500 within the first 3 months of account opening.
Citi Gold / AAdvantage World Mastercard
16.99% to 24.99% variable
0% Intro APR for 15 months (with whichever is greater, $5 or 3% balance transfer fee)
$0 annual fee for the first year ($50 thereafter)
Earn 25000 American Airlines AAdvantage® bonus miles after you spend $750 in purchases within the first 3 months of account opening.
Citi ThankYou® Premier Card
15.74% to 24.74% variable
$0 annual fee for the first year ($95 thereafter)
Enjoy Great Rewards and Earn ThankYou® Points on Dining, Entertainment, Travel and more

Compare up to 4 providers

What to know before you apply

Always consider your options and your financial situation before you apply for a credit card.

To apply for the Citi Double Cash card you must be:

  • At least 18 years old.
  • A US citizen.
  • A new account holder.


You can apply online or by phone with your:

  • Personal contact information, including your email address.
  • Your date of birth and Social Security number.
  • Security details for your account.
  • Your financial information.
  • Any information for authorized users.
  • Acceptance of the electronic disclosure agreement.

Credit card insights: Citi Double Cash

We’ve polled hundreds of Citi Double Cash users. Here’s what we’ve found.

Quick Stats
Application iconApplication process rating: 73%.
Customer service iconCustomer service rating: 81%.
gauge credit meterApproval rate for 720–850 credit range: 96%.
priority meterNo. 1 reason people sign up: $0 annual fee.
Pay monthly balance 247% pay monthly balance in full.

Reviews around the web

Critics and user reviews from around the web on the Citi Double Cash credit card

All in all, you may be looking at “the best cashback card on the market.” The Citi Double Cash card is the standard-bearer of cash back cards, and users and critics alike recognize it as such, calling it “difficult to beat” (NerdWallet), what with its “unique good-behavior incentive” (WalletHub). There may be no big bonuses to speak of, but there’s also no annual fee and a solid cash back program that offers risk-free rewards with every swipe.

Critic reviews

CriticRatingNotable quotable
nerdwallet logo NerdWallet’s Gregory Karp“If you want a low-hassle, flat-rate rewards card, it’s difficult to beat the Citi® Double Cash Card offer because its rewards apply to all spending and have no limit.” Read more
“If you want a low-hassle, flat-rate rewards card, it’s difficult to beat the Citi® Double Cash Card offer because its rewards apply to all spending and have no limit.” Read more
wallethub logoWalletHub’s John S. Kiernan100%“Citi Double Cash is 2017’s best cash back credit card, according to WalletHub’s analysis, thanks to its exceptional rewards rate, lack of an annual fee, and unique good-behavior incentive. Most credit cards don’t pay you for paying your bill, after all.” Read more
“Citi Double Cash is 2017’s best cash back credit card, according to WalletHub’s analysis, thanks to its exceptional rewards rate, lack of an annual fee, and unique good-behavior incentive. Most credit cards don’t pay you for paying your bill, after all.” Read more
Value Penguin logoValuePenguin’s Robert Harrow98%“Easily the best cashback card on the market.” Read more
“Easily the best cashback card on the market.” Read more

User reviews

UsersAvg. ratingReview countNotable quotable
nerdwallet logo NerdWallet’s users62%184 reviews“The idea behind this card is great — 2% cash back on all purchases! I’d love to use this card for everything, but, despite my excellent credit rating, they only gave me a credit limit of $4,600. I called and tried to get it increased, but they wouldn’t do it. Hopefully, when they see I pay off my bill in full every month, they’ll agree to increase my limit. In the meantime, I spend on this one up to its limit, then switch to another card. (I should mention that I have several cards, all with a limit of at least $10,000.)” Read more
“The idea behind this card is great — 2% cash back on all purchases! I’d love to use this card for everything, but, despite my excellent credit rating, they only gave me a credit limit of $4,600. I called and tried to get it increased, but they wouldn’t do it. Hopefully, when they see I pay off my bill in full every month, they’ll agree to increase my limit. In the meantime, I spend on this one up to its limit, then switch to another card. (I should mention that I have several cards, all with a limit of at least $10,000.)” Read more
wallethub logoWalletHub’s users70%1,401 reviews
credit karmaCreditKarma’s users76%236 reviews“I’ve had the card for over 2 years now … I have a couple other specialty category cars, but this is my general use (everything else) card. 2% is a nice floor. The limit started low, but Citi lets you request an increase every 6 months or so with no hard pull. I’ve been approved for most of those. All-in-all this card has been good to me.” Read more
“I’ve had the card for over 2 years now … I have a couple other specialty category cars, but this is my general use (everything else) card. 2% is a nice floor. The limit started low, but Citi lets you request an increase every 6 months or so with no hard pull. I’ve been approved for most of those. All-in-all this card has been good to me.” Read more

Citi Double Cash vs. Blue Cash Preferred from American Express

citi-double-cash vs blue cash preferredblue-cash-preferred
Citi® Double Cash CardBlue Cash Preferred® Card from American Express
Annual fee$0$95
APR14.74% to 24.74% variable14.24% to 25.24% variable
Cash backUncapped 2% cash back on all purchases6% cash back (capped at $6K/year) at US supermarkets, 3% at gas stations and some department stores, 1% everywhere else

Citi Double Cash details

Product nameCiti® Double Cash Card
Issuing bankCitibank
Recommended credit score range720–850 (good to excellent)
Annual fee$0
Signup bonusN/A
Intro purchase APR0% APR for 15 months
Intro balance transfer APR0% balance transfer APR for 12 months
Balance transfer fee$5 or 3% of the transaction, whichever is greater
Foreign transaction fee3% of each purchase in US dollars
Cash advance rate26.24% variable
Cash advance fee$10 or 5% of the transaction, whichever is greater
Penalty APRUp to 29.99%
Late payment feeUp to 29.99%
Returned payment feeUp to 29.99%
Overlimit feeN/A
Maximum credit limitN/A
Minimum APR14.49%

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