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Citi® Double Cash Card Review
Citi® Double Cash Card
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Emma Street
Feb. 02, 2023
2 min read
Emma Street
Citi® Double Cash Card Summary
Founded in New York in 1812, Citibank is one of the largest banks in the world. Its services include banking, investment, security brokerage, wealth management, and credit cards. The Citi® Double Cash Card lets you earn up to 2% cash back on all your purchases. For every $1 spent, you’ll get 1% back when you make the purchase and another 1% when you pay it off.
  • High cash back rates with no caps or category restrictions
  • Intro APR on balance transfers for 18 months
  • Doesn't offer intro APR for purchases
  • Recommends good/excellent credit

Citi® Double Cash Card at a glance

Editorial score


No annual fee, has other fees

Eligibility (credit score)

Doesn't cover bad credit


FDIC insured, SSL/AES encryption and supports 2 factor and biometric authentication

Customer service

24/7 service with multiple communication options

Online experience

Excellent site and app with detailed FAQs, help center, and transparency of rates and features

Citi® Double Cash Card Citi® Double Cash Card Learn More


Citibank plays a major role in US and global finance. It has won numerous awards, including Company of the Year in the banking category of the American Business Awards in 2022. Citibank was also recognized as one of the “World’s Best Banks” by Global Finance Magazine.

The Citi® Double Cash Card is part of Citi’s wide range of reward credit cards. It rewards cardholders for both purchases and payments. There are no category restrictions, and you can earn 2% cash back on every purchase: 1% when the purchase is made and another 1% when you make the payment. This provides an easy way to rack up reward points with no annual fee.

Suitable For?

The Citi® Double Cash Card enables you to earn cash back on your purchases twice, once when you make the purchase and once when you make the payment. You’ll only earn all your rewards if your account is current and you make at least your minimum payment by the first day of your billing cycle. 

If you make payments regularly and promptly, then there’s no limit to the rewards you can earn. So this card is a good fit for those who regularly pay off their credit card in full each month and want a straightforward and generous reward program.

Interest Rates and Fees

If you take out a card, the following rates and fees will apply.

Annual feeN/A
APR on purchases18.24% - 28.24% (variable)*
APR on balance transfers

0% for the first 18 months

18.24% - 28.24% (variable) thereafter*

Balance transfer fee

3% of each transfer ($5 minimum) for the first four months

5% thereafter ($5 minimum)

Cash advance fee$10, or 5% of the cash advance, whichever is greater
Foreign purchase fee3% of each purchase (in US dollars)

* Individual APRs based on creditworthiness.

Rewards & Cashback

With the Citi® Double Cash Card, you can earn cash back on every purchase. You’ll get unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. There are no category restrictions, and your rewards are earned in the form of ThankYou® Points. These points can be redeemed for cash back via statement credits, direct deposit, or check. 

You can also redeem your points for other rewards, such as the following.

  • Gift cards for an extensive range of brands, including Adidas, Barnes & Noble, Home Depot, and Starbucks.
  • Shopping with points at participating online retailers such as Amazon, CVS, and Walmart
  • Travel bonuses, including hotel bookings and airline flights

The Application Process

Applying for the Citi® Double Cash Card is straightforward. You can apply over the phone or online. If you’re applying online, you’ll need to fill in an application form and include your name, Social Security number, date of birth, citizenship, address, and contact details. You’ll also need to provide details about your annual income and monthly mortgage or rent payments.

While awaiting authorization, you can monitor your application process through the online platform. All that’s required is your unique application ID and some personal information for security purposes.

Once a decision has been made, details will be sent to you by email and post. By law, some credit card application notices can’t be sent by email, so you’ll need to keep an eye out for any correspondence in the mail.

Help & Support

The Citibank website offers extensive online help and customer support. You can find FAQs, general information about your account, helpful articles, and tips on how to use it most effectively. 

You can also contact the customer service team via phone, live chat, or social media. The phone line and online chat are available 24/7, while social media hours are 9 am-10 pm, Monday to Friday. Alternatively, you can also schedule an appointment in your local branch for in-person support. 


Citibank places a high priority on security and data protection. All transactions are encrypted using 128-bit SSL encryption, and customers can choose to add an optional two-factor authentication or fingerprint/facial recognition to their account on the app. Citi also sends alerts to warn customers of potentially suspicious transactions and has a zero-liability policy that guarantees that you’re not liable if you’re the victim of fraud. 

You can find more information about Citi’s security policies and data privacy measures in its online privacy policy, which is available on its website.


What's the time limit for ThankYou® Points?

As long as your account remains active, your accumulated ThankYou points won't expire. However, if you decide to close your account or upgrade to a different Citi credit card not included in the ThankYou® Rewards program, make sure you use up all of your accumulated points within 60 days—otherwise, you'll lose them.

Is there a foreign transaction fee?

Yes. You’ll see a 3% fee for each purchase made in a foreign currency.

What's the maximum amount of cash back I can receive?

There's no upper limit. With the Citi® Double Cash Card, you can earn unlimited cash back rewards.


The Citi® Double Cash Card is an attractive cash back credit card that offers a generous rewards program with no annual fee. You can redeem your points for statement credits, direct deposits, and checks in addition to gift cards and travel bonuses. Applying for the card is simple, either online or over the phone. Citibank provides helpful customer support and has implemented various security measures to protect customers’ data. Overall, while it offers the highest rewards for those who pay their credit card bills promptly, the Citi® Double Cash Card is a great choice for anyone looking to take advantage of cash back rewards with no annual fee.

Citi® Double Cash Card Citi® Double Cash Card Learn More


Information was obtained from Citibank’s website.

Editorial Disclosure

Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Emma Street
Written by
Emma Street
Emma holds a BSc in Computer Science and has worked in software development for 15+ years as a support analyst, developer, and technical writer. Emma currently specializes in low-code software and web development, and has extensive experience in the fields of InsureTech and FinTech, with a keen understand—and enthusiasm for!—the intersection of personal and corporate finance and technology.
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