Bogdan Roberts, Credit Cards Moderator
@bogdan_roberts
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.
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

Citi® Double Cash Card – 18 month BT offer
Nathan Preston, Member
@nathan_preston
Yes, your cash rewards expire if you don't earn cash back from purchases or payments for 12 months.
MADISON KELLY, Member
@madisonb_15
That would be terrible
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