Can I earn points with the Citi Double Cash Card?

No, cardholders don’t have the option to convert Citi Double Cash Card rewards to ThankYou points anymore. That’s because Citibank has changed the card’s rewards program as of March 2022, so cardholders now actually earn Citi ThankYou points on purchases instead of directly receiving cash back. But you will still be earning 2% back on all purchases.… read full answer

What you should know about the Citi Double Cash Card rewards:

• How to earn: You can earn rewards by using your Citi Double Cash Card to make purchases. The card offers 2% cash back on every purchase (1% when you buy and 1% as you pay for those purchases). Cash back is earned in the form of ThankYou® Points. There is no limit to the amount of points you can earn.
• How to redeem: You can redeem your Citi Double Cash Card rewards by logging in to your online account either through the Citi ThankYou Rewards website or its mobile app.
• Redemption options: You can redeem your rewards as a check, statement credit, and gift cards. You can also use points for travel, to shop at certain retailers, to make charitable donations, and more.

Ultimately, it is worth mentioning that Citi Double Cash Card rewards don’t expire as long as your account is open.

You can redeem your Citi Double Cash Card rewards by logging in to your online account either through the Citi ThankYou Rewards website or its mobile app. Once logged in, you can choose to receive your earned cash back as a check, statement credit and gift cards, among other options.

It is worth noting that Citi Double Cash Card has switched to the ThankYou rewards program. So, as of March 28, 2022, the Citi Double Cash Card cash back is earned in the form of ThankYou points. And any unredeemed cash rewards were automatically converted to the equivalent amount of ThankYou® Points. This upgrade offers more redemption options for cardholders.… read full answer

Citi Double Cash Card redemption options:

• Statement credit: With this option, you can redeem points for cash back with as little as $0.01.
• Direct Deposit: You can redeem as little as $0.01 for cash that will be directly deposited to a Citibank checking or savings account.
• Check: You can redeem your points for a check payable to you. The minimum redemption amount for a check is $5.
• Gift cards: Trade points for gift cards in many categories, from clothing and department stores to electronics and restaurants. You can usually redeem at a rate of 1 cent per point, but certain gift cards may be on sale. It takes 1 to 3 weeks to receive a gift card after redeeming.
• Travel: Use points to book flights, hotels, rental cars, cruises and more. The value of points can vary based on the type of travel, length of the trip and more.
• Shop with Points: Use points to pay for purchases directly on a retailer’s website or get a statement credit for purchases after you make them. Points are worth 0.8 cents each with this option.
• Other ways to redeem: The Citi Double Cash Card offers a few other redemption options. You can transfer points to partnered airline or retail loyalty programs at a 1:1 ratio, make charitable donations, make a payment toward a mortgage or student loan and more.

Citi Double Cash Card offers 2% back - half when you make purchases and the other half as you pay for them. Citi Double Cash Card rewards don’t expire as long as your account is open.

The credit score you need for the Citi Double Cash Card is 700+. This means you need at least good credit to get approved for this card. Simply having a 700 credit score does not guarantee approval, however. There are other factors in play, including how your income compares to your debt obligations, and your overall ability to make credit card payments.… read full answer

You can check your latest credit score for free on WalletHub, the only site with free daily updates, to get a sense of your Citi Double Cash Card approval odds. You will also get personalized credit improvement tips to help maximize your chances.

Finally, if you don’t think you have the kind of credit score needed for Citi Double Cash Card approval, that doesn’t mean you’re out of options. You can check out the rest of WalletHub’s picks for the best rewards credit cards to find an offer that suits your standing. Keeping your account in good standing by paying your bills on time and in full will help you improve your credit score and gain access to better credit card deals.