Citi
Citi Double Cash® Credit Card
Key Features
| Annual Fee | $0.00 |
| Intro APR | % Intro APR for months on balance transfers from date of account opening; after that, the variable APR will be % - %, based on your creditworthiness. |
| Regular APR | Purchase Rate: % - % Variable APR, based on your creditworthiness. The standard variable APR for Citi Flex Plan is % to %, based on your creditworthiness. Standard variable cash advance APR - %. Variable Penalty APR up to % and applies if you pay late or your payment is returned. |
| Other Fees | Minimum interest charge – $. Fee for foreign purchases – % of the U.S. dollar amount of each purchase. Cash advance fee – either $ or % of the amount of each cash advance, whichever is greater. Balance transfer fee – intro fee of % of each transfer ($ minimum) completed within the first months of account opening. After that, % of each transfer ($ minimum). |
| Network | Mastercard |
About this card
The Citi Double Cash card earns an overall rating of 3.8, which places it in the 'Good' category. This rating reflects a balance of several strong features offset by some notable drawbacks. The card's primary strength lies in its simple and competitive 2% cash back rewards structure on all purchases, making it a solid choice for everyday spending. The absence of an annual fee further enhances its value proposition. However, the card's weaknesses include a potentially high APR, foreign transaction fees, and the commonly cited issues with Citi's customer service. The positive reputation of the card as a product is somewhat undermined by the negative perceptions of the issuer. While the rewards program is excellent and the fee structure is reasonable for a no-annual-fee card, the APR and service concerns prevent a higher rating. It's a good card for those who pay their balance in full each month and don't anticipate needing extensive customer service.
Pros & Cons
What's great
- Generous sign-up bonus
- Cashback on purchases
- Intro APR period
- No annual fee
Things to consider
- High regular APR
- Foreign transaction fees apply
- High balance transfer fee
What this card offers
Sign-up bonuses
- Earn $ cash back after you spend $ on purchases in the first months of your Citi Double Cash® card account opening.
- Earn $ cash back when you spend $ on purchases within the first months of opening your Citi Double Cash® card account.
Rewards
- Unlimited 1% cash back when you buy, plus an additional 1% as you pay, on every purchase.
- Plus: Earn 5% total cash back on hotel, car rental, and attractions when booked on the Citi Travel® portal.
- Plus: Earn additional 3% cash back on hotels, car rentals, and attractions booked with Citi Travel.
Other features
- 24/7 Customer Service
- Tap Your Card with Contactless Pay Shop safely with a contactless-chip enabled card. Just tap your card on the payment reader and go in seconds.
- Digital Wallets Digital Wallets let you shop with confidence in millions of places online, within apps and in stores. With digital wallets you can speed through checkout and continue to enjoy all the great benefits that come with your card. Learn how to get started and how digital wallets can help protect your card information at citi.com/digitalservices.
- 24 Hour Fraud Protection Citi will alert you if we see unusual activity on your account.
- Help Keep Your Identity Safe The ID Theft Protection program offered by Mastercard helps eliminate the worry of identity theft by monitoring the information you choose to protect and alerting you if suspicious activity is found. It takes just a few minutes to enroll for free, and as soon as you do, your monitoring begins. Visit mastercardidps.idprotectiononline.com to learn more
- $0 Liability on Unauthorized Charges You're completely protected against unauthorized charges on your account. At Citi, you will not be responsible for a charge that you did not authorize, online or otherwise. For additional information on this, please visit cardbenefits.citi.com for details.
- Citi Entertainment® Citi Entertainment takes the once out of once in a lifetime. Get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year's most anticipated concerts, sporting events, dining experiences and more.
Additional Notes
This offer will be fulfilled as ThankYou® Points, which can be redeemed for $ cash back. Bonus ThankYou® Points are not available if you have received a new account bonus for a Citi Double Cash account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a Citi Double Cash account. This offer may not be available if you leave this page. Offers may vary and this offer may not be available in other places where the card is offered. Cash back is earned in the form of ThankYou® Points. Purchases do not include items returned for credit, balance transfers, cash advances, interest and account fees. To earn cash back, pay at least the minimum due on time.