If you’re looking for a simple and rewarding cash back card with no rotating categories or confusing limits, the Citi Double Cash Card is one of the most practical choices available. It turns everyday purchases into consistent rewards without demanding extra effort.
Whether you’re a disciplined spender or someone who just wants to make the most of your monthly budget, this card delivers double the value with every swipe—and pays you again when you pay it off.
Citi Double Cash Card – Key Benefits Explained
- 2% Total Cash Back on Every Purchase: You earn 1% cash back when you buy, and an additional 1% when you pay. This dual-earning structure rewards both spending and repayment, encouraging responsible credit habits.
- No Limit on Earnings: Unlike many rewards cards, Citi Double Cash doesn’t cap how much cash back you can earn. Whether you spend $500 or $5,000 a month, your rewards continue to grow with every transaction.
- Cash Back Redeemable as Points or Statement Credit: You can redeem your cash back as statement credits, direct deposits, or even convert them to Citi ThankYou Points. This gives you flexibility depending on how you want to use your rewards.
- Intro 0% APR on Balance Transfers: Take advantage of an introductory 0% APR offer on balance transfers for a limited time. This can help you consolidate high-interest debt and save money while you pay it down.
- No Rotating Categories or Enrollment Required: There’s no need to track specific spending categories or opt in each quarter. The cash back applies automatically, no matter where you shop or what you buy.
- Contactless Payment Ready: With a tap-to-pay enabled card, you can enjoy secure and fast purchases at checkout. It’s a seamless experience that combines convenience and safety.
- Protection Against Fraudulent Charges: You won’t be held responsible for unauthorized transactions. Citi’s security systems monitor for fraud 24/7, so you can spend with peace of mind.
- Digital Wallet Compatibility: Link your Citi Double Cash Card to Apple Pay, Google Pay, or Samsung Pay for fast, contactless payments with your smartphone or wearable device.
- Free Access to FICO Score: Track your credit health directly from your account dashboard. Monitoring your score helps you stay informed and credit-savvy.
Qualification Requirements
- U.S. Residency Required: Applicants must live in the U.S. and provide a valid residential address.
- Must Be 18 Years or Older: You must meet the legal age requirement to apply for a credit card in your state.
- Valid Social Security Number: This is necessary for identity verification and credit check processing.
- Good to Excellent Credit Score Preferred: Applicants with a credit score of 670 or higher have a better chance of approval.
- Reliable Source of Income: You must demonstrate your ability to meet monthly payment obligations.
- No Major Recent Credit Issues: Recent bankruptcies, charge-offs, or delinquencies may affect your approval.
How to Apply for the Citi Double Cash Card
- Visit the Citi Website: Go to the official Citi credit card section and locate the Double Cash Card to begin your application.
- Click “Apply Now” and Fill Out the Form: Enter your personal information including your name, address, income, and employment status.
- Review Terms and Offer: Before submitting, read through the card’s terms and disclosures to understand the APR, fees (if any), and balance transfer details.
- Submit Your Application: Once all required fields are completed, submit the form. Most applicants receive a decision within minutes.
- If Approved, Set Up Online Access: Create a Citi online account to view transactions, manage payments, and track rewards all in one place.
- Start Using and Earning: Once activated, begin using your card for everyday purchases and earn double cash back from day one.
Frequently Asked Questions
Does the cash back expire?
Cash back doesn’t expire as long as your account remains open and in good standing. However, rewards may be forfeited if the account is closed or inactive.
Is there a limit to how much cash back I can earn?
No. There’s no cap on the amount of cash back you can accumulate with this card.
Can I redeem rewards for travel?
Yes. If you opt to convert your cash back to Citi ThankYou Points, you can redeem them for travel through Citi’s rewards portal.
Does this card include purchase protection?
Yes. Citi offers standard protections like fraud alerts, zero liability on unauthorized charges, and purchase monitoring.
