The best Citi Double Cash Card benefits are virtual account numbers and Citi Entertainment. The Citi® Double Cash Card – 18 month BT offer also has identity theft protection and contactless chip technology, which are more common perks across Citibank credit cards.
This card also offers 2% cash back on every purchase, an introductory APR of 0% for 18 months on balance transfers, and a $0 annual fee.
Citi Double Cash Card Benefits
Virtual account numbers
Identity theft protection
Contactless chip technology
Account activity alerts
Zero liability fraud protection
Along with these benefits, the Citi Double Cash Card gives 2% cash back on every purchase (1% when you buy and 1% as you pay for those purchases). The card also offers an introductory APR of 0% for 18 months on balance transfers (18.49% - 28.49% (V) regular APR). There’s also a balance transfer fee of: 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer. This card also has a $0 annual fee.
As long as you have good credit, the Citi Double Cash Card is certainly a card to consider adding to your wallet.
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.
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
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.
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