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.
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finder score: 84%
Avg. critics score: 99%
2 critics
2 critics
Avg. user score: 69%
1,821 users
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
Read why reviewers are calling this the “best cash back credit card” of 2017 with “low hassle” and an “exceptional rewards rate.”
Critic reviews
| Critic | Rating | Notable quotable |
|---|---|---|
 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’s John S. Kiernan | 100% | “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 | ||
 ValuePenguin’s Robert Harrow | 98% | “Easily the best cashback card on the market.” Read more |
| “Easily the best cashback card on the market.” Read more | ||
User reviews
| Users | Avg. rating | Review count |
|---|---|---|
| NerdWallet’s users | 62% | 184 reviews |
| WalletHub’s users | 70% | 1,401 reviews |
 CreditKarma’s users | 76% | 236 reviews |
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 range | Approval rate |
|---|---|
| 720–850 | 96% |
| 680–719 | 82% |
| 620–679 | 43% |
| 300–619 | 10% |
| Not sure | 40% |
Compare other Citi credit cards
Rates last updated April 20th, 2018
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 process rating: 73%. |
 | Customer service rating: 81%. |
 | Approval rate for 720–850 credit range: 96%. |
 | No. 1 reason people sign up: $0 annual fee. |
 | 47% 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
| Critic | Rating | Notable quotable |
|---|---|---|
| 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’s John S. Kiernan | 100% | “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 | ||
| ValuePenguin’s Robert Harrow | 98% | “Easily the best cashback card on the market.” Read more |
| “Easily the best cashback card on the market.” Read more | ||
User reviews
| Users | Avg. rating | Review count |
|---|---|---|
| NerdWallet’s users | 62% | 184 reviews |
| WalletHub’s users | 70% | 1,401 reviews |
| CreditKarma’s users | 76% | 236 reviews |
Citi Double Cash vs. Blue Cash Preferred from American Express
Citi Double Cash details
| Product name | Citi® Double Cash Card |
| Issuing bank | Citibank |
| Recommended credit score range | 720–850 (good to excellent) |
| Annual fee | $0 |
| Signup bonus | N/A |
| Intro purchase APR | 0% APR for 15 months |
| Intro balance transfer APR | 0% balance transfer APR for 12 months |
| Balance transfer fee | $5 or 3% of the transaction, whichever is greater |
| Foreign transaction fee | 3% of each purchase in US dollars |
| Cash advance rate | 26.24% variable |
| Cash advance fee | $10 or 5% of the transaction, whichever is greater |
| Penalty APR | Up to 29.99% |
| Late payment fee | Up to 29.99% |
| Returned payment fee | Up to 29.99% |
| Overlimit fee | N/A |
| Maximum credit limit | N/A |
| Minimum APR | 14.49% |
Frequently asked questions
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