What are the best Citi Double Cash benefits?

Nearly all Citi Double Cash Card purchases are eligible for cash back rewards. They include groceries, gas, dining and entertainment, travel expenses and more. The Citi Double Cash Card offers 2% cash back on every purchase (1% when you buy and 1% as you pay for those purchases). There are no category restrictions and no limits on cash back earnings.

There are, however, a number of Citi Double Cash Card purchases and transactions that are not eligible for rewards. For example, money orders, items purchased and returned for credit, and loading/reloading balances on prepaid cards or gift cards will not earn rewards. Nor will lottery ticket purchases or related betting transactions. In addition, there are no rewards for certain transactions and charges such as balance transfers, cash advances (including convenience checks), fees and interest.… read full answer

Redeeming Citi Double Cash Card rewards comes with a catch, too. There is a minimum redemption amount you’ll have to reach before you can redeem cash back rewards for a check, statement credit or direct deposit. You can also convert cash back rewards to Citi ThankYou points to expand your redemption options. Your Citi Double Cash Card rewards will expire if you have not earned any cash back for 12 consecutive months. If your account is closed for any reason, you will lose any unredeemed cash back rewards.

No, the Citi Double Cash Card doesn’t have travel insurance anymore. Citibank discontinued travel insurance for the Citi Double Cash Card and most of its other credit cards in September 2019. Prior to that, Citi Double Cash Card offered up to $500,000 in travel accident insurance plus as much as $5,000 in trip cancellation and interruption protection. The Citi Double Cash Card also used to offer rental car insurance, but that was discontinued at the same time as the two travel insurance benefits.… read full answer

One of the only remaining Citi credit cards with travel insurance are the Costco Anywhere Visa® Card by Citi and Costco Anywhere Visa® Business Card by Citi, which still offer travel accident insurance. It could be worth looking into if that benefit is important to you. But it no longer has trip cancellation and interruption protection. Citi dropped that benefit for all of its cards in 2019. The card’s other travel-related perks include car rental insurance and roadside assistance.

You need a credit score of 700 or higher to get approved for the Citi Double Cash Card. Citi Double Cash applicants need good credit or excellent credit to qualify, and a 700+ credit score satisfies the card's requirement. 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. We’ll also give you 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.