The Citi Double Cash® Card is one of the most straightforward and rewarding cash back credit cards available.
You earn 2% cash back on every purchase: 1% when you buy and an additional 1% as you pay.
With no annual fee and a long introductory APR, it’s a strong choice for people looking to simplify their finances while still enjoying competitive rewards.
Citi Double Cash History
The Citi Double Cash® Card has undergone several significant changes since its introduction, enhancing its appeal to a broad range of consumers.
Introduced in 2014, the card was designed to offer 1% cash back on purchases and an additional 1% as you pay for those purchases.
In September 2019, the card’s versatility allowed cardholders to convert their cash back into ThankYou® Points.
In March 2022, transitioned the Double Cash® Card’s rewards structure from direct cash back to earning ThankYou® Points.
Why Apply for the Citi Double Cash® Card?
This card is a source of reliable rewards, such as:
- Flat Cash Back: Earn unlimited 2% cash back – 1% when you make a purchase and 1% when you pay for it.
- No Annual Fee: Enjoy the benefits of the card without paying yearly fees.
- Intro APR on Balance Transfers: Get a 0% introductory APR for 18 months on balance transfers (18.24% – 28.24% variable APR thereafter).
- No Category Restrictions: Earn rewards without worrying about rotating categories or spending caps.
- Flexible Redemption: Redeem cash back as a statement credit, direct deposit, or a check.
Who Should Consider This Card?
This card is ideal for people with good to excellent credit (FICO score 670+ recommended) who want simple, consistent rewards.
Those looking to pay down existing credit card debt using a long balance transfer offer will love it.
Also, any consumer who prefers no annual fee cards.
How to Apply
You can apply online, by phone, or in person at a Citi branch. The online application is the most convenient and typically takes less than 10 minutes.
Application Requirements
To apply, you must be at least 18 years old (or 21 in Puerto Rico) and have a U.S. mailing address.
You must also possess a valid Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN).
Demonstrate a reliable source of income and provide accurate credit history information.
What You Need Before Applying
Be ready to submit the following information:
- Full Legal Name
- Date of Birth
- SSN or ITIN
- Residential Address
- Phone Number and Email Address
- Total Annual Income (include all sources of income you want considered)
- Monthly Mortgage or Rent Payment
- Employment Information (job title, employer name, duration of employment)
- Security Word (used for future account verification)
- Consent to Terms and Conditions
Step-by-Step Guide
Follow these simple steps to request the card.
Step 1: Go to the Citi Double Cash Card application page
Visit the official Citi website and find the Double Cash Card.
Step 2: Start the Application
Click “Apply Now” and begin entering your personal details.
Step 3: Provide Identification Details
Enter your SSN or ITIN, date of birth, and contact details.
Step 4: Provide Financial Information
Input your total annual income and monthly housing payment.
Step 5: Set a Security Word
Choose a word or phrase that you will remember for account verification.
Step 6: Review and Accept the Terms
Read all disclosures and submit your application.
Step 7: Wait for Approval
You may receive an instant decision or be notified by mail within 7–10 business days.
Comparison With Competitors
Consider:
| Feature | Citi Double Cash® | Citi Custom Cash® | Citi Rewards+® | Costco Anywhere Visa® |
| Rewards Structure | Flat 2% on all purchases | 5% on top category (up to $500/month), then 1% | 2X on gas/groceries (up to $6,000/year), 1X elsewhere | 4% gas, 3% dining/travel, 2% Costco, 1% others |
| Annual Fee | $0 | $0 | $0 | $0 (Costco membership required) |
| Intro APR Offer | 0% for 18 months on balance transfers | 0% for 15 months on purchases and balance transfers | 0% for 15 months on purchases and balance transfers | None |
| Best For | Simple, flat-rate rewards | Maximizing rewards in a specific category | Small, frequent purchases | Costco members with high gas and travel spending |
- Choose the Citi Double Cash® card if you prefer a straightforward, flat-rate cash back card that doesn’t require category tracking.
- Opt for Citi Custom Cash® if your spending is concentrated in one category and you can maximize the 5% cash back each month.
- Select Citi Rewards+® if you frequently make small purchases and want to benefit from the rounding-up feature.
- Go with Costco Anywhere Visa® if you’re a Costco member who spends significantly on gas, travel, and dining.
Tips For This Card
To get the most out of the Citi Double Cash® Card, make sure you pay off your balance in full each month.
Since there are no bonus categories, the card works best as a go-to for everything, rather than trying to time or tailor your spending. Its simplicity is one of its strongest features.
If you’re carrying a balance from another card, take advantage of the 0% introductory APR on balance transfers for 18 months.
Consider pairing with another Citi card that earns ThankYou® Points in bonus categories; combining points can give you access to better travel redemptions or partner transfers.
Interest Rates and Fees
If you use this card, always consider:
- Purchase APR: 18.24% – 28.24% (variable, based on creditworthiness)
- Balance Transfer APR: 0% for 18 months; 18.24% – 28.24% thereafter
- Balance Transfer Fee: 3% (minimum $5) for transfers in the first 4 months; then 5%
- Cash Advance APR: 29.99% variable
- Annual Fee: $0
- Foreign Transaction Fee: 3%
- Late Payment Fee: Up to $41
Customer Support and Contact Info
For any issue or inquiry:
- General Inquiries: 1-800-950-5114
- Spanish Line: 1-800-947-9100
- Website: citi.com
- Payment Mailing Address: Citi Cards P.O. Box 9001037 Louisville, KY 40290-1037
- General Correspondence: Citibank Customer Service P.O. Box 6500 Sioux Falls, SD 57117
Conclusion
The Citi Double Cash® Card is a practical choice for everyday use and balance transfers.
With its 2% cash back structure, no annual fee, and long 0% APR on balance transfers, it suits both spenders and savers.
Apply online today if you meet the requirements and want a card that rewards you simply for using it.
Disclaimer: This article is for informational purposes only and does not constitute financial advice. Terms and rates are subject to change. Please consult the official Citi website for the latest information before applying.
