Is Citi Double Cash a cash back credit card?

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.

Yes, Citi Double Cash Card rewards expire if you don’t make a single purchase or bill payment for a full year. Citi Double Cash Card works by offering 2% cash back on every purchase - half when you make a purchase and the other half as you pay for it. If you haven’t earned cash back on either purchases or payments for longer than a 12-month period, your rewards will expire. Similarly, Citi Double Cash Card rewards expire if you don’t redeem your remaining balance when you close your account. And you won’t be able to earn cash back rewards unless you keep your account current by making at least your minimum payment by the first day of your next billing cycle.… read full answer

These might seem like negatives. But most rewards cards have these rules. And look on the bright side: It’s pretty easy to avoid losing your rewards.

How to Make Sure Your Citi Double Cash Card Rewards Don’t Expire

• Make at least one purchase within a 12-month period. Simply spending a few dollars every once in a while will earn you cash back on purchases and help you avoid losing rewards due to inactivity.
• Pay for your purchases. If you haven’t earned cash back by making a purchase or paying for one for longer than a 12-month period, your rewards will expire.
• Keep your account current. Failing to make a minimum payment by the first day of your next billing period will not earn you cash back rewards for any purchases made during the billing cycle for which you failed to make the minimum payment. You will also not earn cash back for payments correlated with those purchases unless you reinstate them and make an eligible payment. You may request reinstatement of your purchases by calling Citibank at (855) 473-4583.
• Regularly redeem your cash back. You can get your cash back as a statement credit, check or direct deposit to a bank account. This won’t reset the expiration countdown, but it will keep you from having much to lose.

You may also lose your rewards if Citibank closes your account due to irresponsible or illegal behavior. That includes fraud, misuse, abuse or not making the minimum payments for a long time

The easiest way to make a Citi Double Cash payment is online through the Citibank website or via the Citi mobile app. After signing up for online access, just log in and click “Payments & Transfers,” then “Pay Citi Credit Cards.” Choose your payment account in the drop-down menu (or add your bank account and routing numbers), then select how much you’d like to pay and the date you want it to post. Click “Continue” to review and submit your payment.… read full answer

You can also pay your Citi Double Cash bill over the phone. Simply call 800-950-5114 and enter your card number to get to the menu of options. The prompts will lead you through making a payment.

Alternately, you can mail in a Citi Double Cash payment. Send a check or money order and the payment coupon from your credit card statement to: Citi Cards / P.O. Box 78045 / Phoenix, AZ 85062-8045.