Looking for a straightforward card that rewards every transaction while promoting responsible payments? The Citi Double Cash Credit Card offers 2% cash back on all purchases—1% when you buy and another 1% when you pay. It’s simple, predictable, and ideal for anyone who values transparency and consistent returns.
What Makes Citi’s Strategy Different
Citi focuses on clarity and ease. Instead of rotating bonus categories or complicated point systems, Citi Double Cash provides flat-rate rewards on everything. While other issuers highlight premium travel perks or tiered earning structures, this card keeps it direct—spend, pay, and earn.
Where Citi Double Cash Fits Among Card Types
Here’s how it compares within the broader credit card market:
General Rewards Cards: Offer points or miles, often tied to spending categories.
Category Bonus Cards: Provide elevated rewards in select areas but may require activation or have caps.
Flat-Rate Cashback Cards: Deliver the same return on all purchases—simple and predictable.
Premium Travel or Charge Cards: Typically charge annual fees and focus on luxury travel benefits.
Citi Double Cash stands out as a flat-rate cashback option built for everyday flexibility without complexity.
Citi Double Cash: Core Features & Advantages
- Unlimited 2% Cash Back
Earn 1% at purchase and 1% when you pay—no enrollment, no rotating categories, and no reward caps. - No Annual Fee
Enjoy full rewards without paying a yearly card fee. - 0% Intro APR on Balance Transfers
Take advantage of 0% APR for 18 months on balance transfers (balance transfer fee applies). Afterward, the variable APR typically ranges from about 18.24% to 28.24%, based on credit profile. - $200 Welcome Bonus
Receive $200 cash back (20,000 ThankYou® Points) after spending $1,500 within the first six months. - Extra Rewards Through Citi Travel®
Earn 5% total cash back on hotels, car rentals, and attractions booked through Citi Travel®, combining base rewards with a bonus rate. - Flexible Redemption Choices
Redeem rewards as statement credits, checks, direct deposits, or convert to ThankYou® Points for travel, gift cards, or Amazon purchases. - Contactless & Digital Wallet Compatibility
Use tap-to-pay technology and add your card to supported mobile wallets for secure transactions. - Around-the-Clock Security
Benefit from 24/7 fraud monitoring, zero liability for unauthorized purchases, and identity protection tools.
Credit Score Considerations
Citi Double Cash reports activity to all three major credit bureaus. Paying on time and maintaining low balances can support positive credit growth. The introductory 0% APR on balance transfers may also help manage existing debt more efficiently if paid off within the promotional period.
How to Apply in Four Simple Steps
- Visit Citi’s official website and locate the Double Cash card page.
- Click “Apply Now” and complete the application with your personal details.
- Submit the form—many applicants receive a decision within minutes.
- Once approved, activate your card and begin earning 2% cash back on eligible purchases.
Who Is This Card Best For?
Citi Double Cash is ideal for:
- Individuals seeking steady, flat-rate cash back
- Users who prefer simplicity over rotating categories
- Those planning to transfer balances at a promotional APR
- Cardholders who want flexible redemption without an annual fee
If you prioritize travel perks or bonus categories tied to specific spending, other cards may align better.
Apply today and start earning dependable cash back—straightforward, consistent, and rewarding.