Citi Double Cash credit card review |

Citi® Double Cash Card review – October 2018

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

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


30-second take

  • 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 720 or higher.
Product NameCiti® Double Cash Card
Card TypeVisa
Annual Fee$0
APR (Annual Percentage Rate) for Purchases15.24% to 25.24% variable
Introductory Balance Transfer APR 0% for the first 18 months (then 15.24% to 25.24% variable)
Balance Transfer Fee$5 or 3% of the transaction, whichever is greater
Cash Advance Rate27.24% variable
Foreign Transaction Fee3% of the transaction value
Cash Advance Fee$10 or 5% of the cash advance amount, whichever is greater
Interest Free PeriodUp to 23 days
Late Payment Fee$35
Returned Payment Fee$35
Additional Cardholder Fee$0
Rates & FeesRates & Fees
Minimum Age18 years of age
Reward Value per Dollar1% cash back
Rewards Points ExpiryNever

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.

The perks

  • Cash back.
    1% cash back on everything you buy and another 1% as you pay for your purchases. 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 15.24% to 25.24% 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.

How do I redeem cash back?

Once your reward reaches $25, call 1-855-473-4583 or visit the Citi website to redeem your reward as a:

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

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.

Compare the Quicksilver® from Capital One® and Citi® Double Cash Card

What to watch out for

  • Loss of intro APR period.

    If you make a single late payment, Citi may end your intro APR period and apply a penalty APR.

  • No intro APR on purchases.

    The card has an intro APR period on balance transfers, but not on purchases.

  • 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 $35. If you make one late or returned payment, Citi may impose a penalty APR of up to 29.99% variable, which may last indefinitely.

  • Foreign transaction fees.

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

Consider other cards if …

  • You want higher cash back on specific categories.

    If you mostly spend on groceries and gas, the Blue Cash Preferred® Card from American Express could be a better choice. You get an incredibly high 6% back on purchases from US grocery stores on up to $6,000 per year — though it drops to 1% after that. You also earn 3% on purchases from US gas stations and select US department store purchases. On everything else, you get 1% back.

  • You want a similar card from another bank.

    A similar cashback card is the PenFed Power Cash Rewards Visa Signature® Card. It allows you to earn 1.5% back on all purchases, but if you’re a PenFed Honors Advantage member you’ll earn 2% back. You also get one of the lowest APRs out there on purchases and balance transfers of 11.49% to 17.99% variable .

  • You want an intro APR on purchases.

    The Citi Simplicity® Card offers one of the longest intro APR periods on purchases and balance transfers. However, you don’t earn any cash back by using your card.

Compare other cash back credit cards

Name Product Annual Fee APR (Annual Percentage Rate) for Purchases
14.99% to 25.99% variable
Earn up to $250 back. Earn $150 back after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership. Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. You will receive the cash back in the form of a statement credit. Rates & Fees
14.99% to 25.99% variable
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
14.99% to 25.99% variable
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0 to $99
19.74% to 25.74% variable
Get 1% cash back rewards on eligible purchase, terms apply.
15.24% to 25.24% variable
Earn 1% cash back for payments on purchases, on top of the 1% cash back on purchases. No annual fee.
15.24% to 25.24% variable
Earn more cash back for the things you buy most.
16.99%, 22.74% or 25.74% variable
Get 4 points back on dining, 3 on travel, 2 on Uber rides and online shopping and 1 on other purchases, and redeem points for Uber credits, gift cards or cash back.

Compare up to 4 providers

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 15.24% to 25.24% 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 720 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.

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.

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.

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.

Adrienne Fuller

Adrienne Fuller leads the publishing team at She has one goal: to deliver the accurate and transparent information she wishes she had when she made some of life's important financial decisions. When she's not helping folks save money, she's hiking with her two Catahoulas around her home in San Diego.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Privacy and Cookies Policy and Terms of Use.
Go to site