What are the Citi Double Cash transfer partners?

Citi cards are accepted by nearly all merchants that take credit cards in more than 200 countries worldwide. That’s because, with the exception of some closed-loop store cards, all Citi credit cards are on either the Mastercard or Visa card network. As a result, Citi cards are more widely accepted than Amex cards (160+ countries), for example.… read full answer

Here is where Citi cards are accepted:

• U.S. Merchant Locations: 10.7 million
• International Merchant Locations: 40+ million
• Countries and Territories: 200+
• How to know if a Citi card is accepted: The merchant displays the logo of the card network (Mastercard or Visa).
• Exceptions: Merchants who have exclusive deals with one network. For example, Costco only accepts Visa cards, so it won’t take Citi credit cards on the Mastercard network. The other exception is if you have a store card that doesn’t belong to a specific network. You will only be able to use those cards at the particular merchants they are affiliated with.

Most Citi cards can be used pretty much anywhere internationally. But the number of Citi cards that can be used abroad at no extra cost is smaller. You’ll want a card with no foreign transaction fee if you spend money internationally. Two of Citibank’s best no foreign fee credit cards are the Citi Premier® Card and Citi® / AAdvantage® Platinum Select® World Elite Mastercard®.

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 easiest Citi card to get is the Citi® Secured Mastercard® because it is the only one that will accept applicants with limited credit (less than 3 years of credit history). This card requires a $200 refundable security deposit but has a $0 annual fee. It also helps build credit history with monthly reporting to all three major credit bureaus… read full answer (TransUnion, Equifax and Experian).

More info regarding Citi credit cards score requirement

Aside from the Citi Secured, nearly all other Citi credit cards require good credit or better (a credit score of 700+) for good odds of approval. Some of these cards include the Citi Double Cash Card or the Citi Premier® Card.

However, there are a number of store cards that also make it among the easiest Citi cards to get. Citi store cards require at least fair credit (a credit score of 640+) for approval. But purchases are limited to the affiliated merchant or its website. The Best Buy® Store Card and the Shell Gas Card, for instance, are among the many store cards that also have a full-fledged co-branded version on either the Visa or Shell Credit Card network, which can be used anywhere the network is accepted. Those cards aren’t as easy to get as the store versions, as they require at least good credit.

Here are some of the easiest Citi cards to get:

The Citi Secured is open to applicants with limited credit (less than 3 years of credit history). It has a $0 annual fee.

The Best Buy Store Card requires fair credit or better (a credit score of 640+). It has a $0 annual fee. Earns 2.5 points per $1 spent on Best Buy purchases.

To get the Shell Gas Card, you need fair credit or better (a credit score of 640+). It has a $0 annual fee. Offers savings: 30¢ per gallon (up to 35 gallons) on your first 5 Shell fuel purchases made by 6/30/2023, after that 10¢ per gallon (up to 20 gallons) every time you fill up, 10% Shell rebates on your first $1,200 Shell non-fuel purchases (per year).

The Sears Store Card requires fair credit or better (a credit score of 640+). It has a $0 annual fee.

The easiest Citi cards to get come with limitations. They offer low minimum credit limits, high interest rates and few rewards and benefits. And with the Citi store cards, beware of deferred interest promotions. Deferred interest means that there’s 0% interest as long as the balance gets paid in full by the end of the promotion. If it’s not paid in full, Citibank charges interest on the original purchase amount from the date of purchase, at the card’s regular APR.

It may also be beneficial to look outside of Citibank to some of the easiest cards to get from other issuers. Aside from lenient approval requirements, some of these also offer rewards and have annual fees as low as $0. And they report to the three major credit bureaus. So, if you use them responsibly, you'll be able to build or rebuild your credit and have future access to some of the best Citi credit cards, or other excellent options from different issuers.