The Citi Double Cash Card benefits include exclusive access to presale tickets for live events through Citi Entertainment, 2% cash back on every purchase, an introductory APR of 0% for 18 months on balance transfers, and a $0 annual fee. Cardholders also get additional perks such as 24-hour fraud protection, $0 liability for unauthorized charges, identity theft assistance and lost card/emergency cash services.
Citi Double Cash Card no longer offers benefits such as trip cancellation and interruption protection, car rental insurance, travel accident insurance, purchase protection, extended warranties on purchased items, or return protection benefits. Citi cut those perks in 2019.
The best Citi Double Cash Card benefits are virtual account numbers and Citi concierge. 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.
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 has a $0 annual fee and gives rewards on all purchases. As long as you have good credit, the Citi® Double Cash Card – 18 month BT offer 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.… read full answer
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.
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.
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