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Citi® Double Cash Card – 18 month BT offer

Annual Fee

Rewards

Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.

To earn cash back, pay at least the minimum due on time.

APR on Purchases

13.99% - 23.99% (V)

Balance Transfer

0% intro APR for 18 months, 13.99% - 23.99% (V) APR after that

Balance Transfer Fee3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer

Editor's Take

by John Kiernan

January 14th, 2022

Citi Double Cash Card Review

Citi Double Cash is one of the best everyday credit cards available right now, combining low costs and very good cash-back rewards to create a lot of savings for people with a good credit score or better. The Citi Double Cash Card has a $0 annual fee and gives a... show more

View 1940 User Reviews

Citi Double Cash Card's Additional Info

cash advance fee

5% (min $10)

cash advance APR

25.24% (V)

foreign transaction fee

smart chip

Yes, chip-and-signature

max late fee

$40

max overlimit fee

max penalty APR

29.99% (V)

grace period

23 days

Apply Now

at Citibank's secure site

Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.

Balance Transfers do not earn cash back. Intro APR does not apply to purchases.

If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.

There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Apply Now

at Citibank's secure site

Citi Double Cash Card FAQ

Don't see what you're looking for? Submit your question about Citi® Double Cash Card – 18 month BT offer to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.

How do I apply for the Citi Double Cash card?

Upvotes

WalletHub

You can fill out a Citi Double Cash application online or by phone at 1-877-645-3708. To apply for the Double Cash Card, you will need to provide your name, address, Social Security number, date of birth, phone number, email address, and other personal information. Once you submit your application, you'll usually get an instant decision. However, it can take longer if Citibank needs to verify your information.

If you haven't gotten a decision on your Citi Double Cash application, check the status online or by calling 1-888-201-4523.

View more answers

How does the Citi Double Cash purchase protection work?

Upvotes

Maria Adams, Credit Cards Moderator

No, the Citi Double Cash Card does not offer purchase protection anymore. Citibank discontinued the purchase protection benefit for the Citi Double Cash Card and most of its other credit cards in 2019. Before then, purchase protection covered items paid for with a Citi Double Cash Card card that were... show more

How can I get a Citi Double Cash card cash advance?

Upvotes

Maria Adams, Credit Cards Moderator

You can get a Citi Double Cash Card cash advance through any ATM that accepts Mastercard with your card and PIN. Another way to request a cash advance is from a bank teller by presenting your card and ID.

Just keep in mind that cash advances are expensive. The ... show more

What's the Citi Double Cash 0% APR offer?

Upvotes

Evelyn Boros, Credit Cards Moderator

The Citi Double Cash Card does not have a 0% APR intro period for new purchases. If you're planning on making a large upcoming purchase and you don't anticipate paying off the balance for a few months, the Citi Double Cash Card is not a great credit card to use.

View more answers

What does Citi Double Cash return protection cover?

Upvotes

James bronzz, WalletHub Analyst

Citi Double Cash return protection is no longer available. The return protection benefit and several others were dropped for most Citi credit cards, including Double Cash, effective September 2019. The other dropped benefits include rental car insurance, trip cancellation and interruption protection, travel accident insurance, return protection, and extended warranties.

How can I do a balance transfer with Citi Double Cash?

Upvotes

Max Hunt

You can do a balance transfer with the Citi Double Cash Card:

When you complete an online application
While you apply for a new account over the phone
By signing in to your online banking account, if you're already a cardholder

You can... show more

What should I do if I was denied for the Citi Double Cash?

Upvotes

Bogdan Roberts, Credit Cards Moderator

If your Citi Double Cash Card application was denied, start by reviewing the letter from Citibank citing the reasons for denial. Some common reasons why a Citi Double Cash Card application might be rejected include a low credit score, numerous recent credit inquiries, a pending bankruptcy on your credit report,... show more

Does Citi Double Cash have a minimum redemption amount for rewards?

Upvotes

Maria Adams, Credit Cards Moderator

The Citi Double Cash Card minimum redemption amount is $25 to get cash back directly, or $1 to convert cash back rewards to ThankYou reward points. Cardholders can redeem cash back rewards for a check, statement credit or direct deposit once they've earned at least $25.

Citi Double Cash... show more

How does Citi Double Cash roadside assistance work?

Upvotes

Elijah Nash, WalletHub Analyst

Citi Double Cash no longer offers roadside assistance. The benefit previously provided cardholders experiencing car trouble with services such as towing, flat tire repair and jumpstarts for a pre-negotiated fee per service call. Citibank discontinued roadside assistance and other travel-related benefits for Double Cash and most of its other cards... show more

Is Citi Double Cash contactless?

Upvotes

WalletHub

Yes, the Citi Double Cash card is contactless. Citi began issuing contactless cards to new cardholders and to existing customers receiving replacement cards in 2019. Contactless cards come with NFC (near field communications) chip technology that allows a user to tap the card on a contactless payment reader during checkout.

Compare The Citi Double Cash Card

Citi® Double Cash Card – 18 month BT offer

Citi Custom Cash℠ Card

Discover it® Secured Credit Card

(1,940)

(21)

(2,854)

Purchase Intro APRNot Offered

Purchase Intro APR0% for 15 months

Purchase Intro APRNot Offered

Transfer Intro APR0% for 18 months|Transfer Fee: 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer

Transfer Intro APR0% for 15 months|Transfer Fee: 5% (min $5)

Transfer Intro APR10.99% for 6 months|Transfer Fee: 3% intro balance, up to 5% fee on future balance transfers (see terms)*

Regular APR13.99% - 23.99% (V)

Regular APR22.99% Variable

Rewards Rate2% Cash Back

Rewards Rate1 - 5% Cash Back

Rewards Rate1 - 2% Cash Back

Apply Now

Rates & Fees

Citi Double Cash Card Video Review

Citi Double Cash Card Reviews

Share your insights and review the Citi® Double Cash Card – 18 month BT offer

3.5

What's Your Rating?

Emanuel
April 19, 2021 • @emanuelm_5

Verified Customer

Love it, get a lot of cashback from this as it's usually my go-to when my other credit cards do not have higher percentage in purchases. I just leave it in auto-payment so I do not have to concern myself with anything.

Comment

Jennifer
March 25, 2021 • @jenniferl_256

Verified Customer

Customer service will not work with you at all about anything and this is during the COVID Pandemic. Charged me interest on zero balance. Would not work with me at all.

Comment

Eliezer
March 17, 2021 • @pinchesejeremias

Verified Customer

This card is good to earn a sustainable amount of rewards per dollar spend. On top of that, the card offers some other benefits too

Comment

mrx2001_us
March 8, 2021 • @mrx2001_us

had the card for couple of years, always paid on time, never disputed any charges. This February I had to dispute a charge for the first time in my life, seller sent me broken item and did not want to make it right. They did not pick up the phone or emails. I opened a dispute and lost it, what kind of buyer protection is that? definitely not happy with the customer service and their service. I don't know if i can trust the bank to stand on my side if the card gets stolen or if I have other issues. From the reviews it looks like it's normal practice for them. I know that they pay 2% cashback, but maybe this why they pay because they won't stay on your side. Not happy with them and experience that I had, would not recommend.

Comment

Lynn McKinney
March 7, 2021 • @lynnm_73

Verified Customer

I got this card for the benefits when flying, i.e.,TSA early check in, free first checked baggage, priority boarding and discounts for inflight purchases. These benefits more than offset the yearly membership fee. Now, I have a promo very low interest rate. This CITI AA Advantage Platinum Card has been good to me.

Comment

KELLY OK
February 23, 2021 • @kell_ok

Verified Customer

So far, so good! 787 credit score approved instantly for $4,500 with 16.99% APR. No annual Fee. 0% APR for 18 months on balance transfers made in the first 4 months. Currently waiting on the card to arrive in 7-10 days to initially activate this line. I'll update if I run into any issues but who can beat 2% cash back without having to jump through hoops like remembering to activate LIMITED monthly/quarterly bonus categories... no thanks :)

Comment

John Marcello
February 6, 2021 • @gestapo666

WORST CARD AND SERVICE EVER!!!! I applied for this card because it was sold as 18 months no interest. Found out their wording is sly. I get the bill after making my large purchase thinking I will spread this out for 18 months, and I can't. It is due immediately. so I pay by transferring from a bank account $4,500.00 2 days after receiving the bill. I tried using the card twice after making payment and found out the account is on hold for 14 days because of a large purchase. I will use my points. You can keep your card, I don't need it. STAY AWAY FROM CITI CARDS.

Comment

Rocky
January 31, 2021 • @r_mca

Verified Customer

I really like my Citibank card. It's difficult to beat the 2% cash back on every purchase. I've had the card for just over a year now and have had no problems to speak of. For those people angry about thick accents from customer support, why not open a customer support chat session? That way the entire conversation is reviewable later if need be, and your understanding of the conversation is limited only from your reading comprehension skills. And I can honestly say that my credit score was not even close to 700 when I applied and was approved. However, at the time, the only credit cards I owned, was from Capital One, and a Discover card. I received a letter from Citibank saying I was pre-approved; went to the website filled in all requested information, entered the pre-approval code they sent me, and was immediately approved. I received my card about a week later. It's been great ever since. I pay off any purchase immediately. As soon as it posts, and allows me to pay it, it's paid. I do the same with all my cards. Rewards aren't really rewards if you're paying interest.

Comment

James
January 14, 2021 • @jmsowka66

Verified Customer

We've had this card a least 6yrs, use it for most household expenses. We always pay full balance every month. Couple times realized payment was, or would be late, so called Citi to make immediate electronic payment over the phone. They were not concerned, and have dropped one or both the late fee and interest. I get immediate response concerning suspicious charges, and if we don't get it figured out, they readily offer to void existing card and send replacement. This is always fast, once in less than 24hrs. The only other time I pay attention to card is when the cashback rewards build up. We take it back in $500 chunks, 2-3 times a year.

Comment

Ryan McCullough
November 20, 2020 • @rmm5250

They do not honor paying the card every month. My credit score went up and our debt went down but they reduced the credit limit by half without notice. We never carried a balance. Customer service is worthless. Citi said we had to call Experian to find out how Citi got my credit report which was another worthless call. They are liars too. Citi approved me in October for a balance transfer card and were approved for a mortgage by our credit union but then told me I had too much debt. $#!tty Bank

Comment

+1870 users submitted a rating without writing a full review

Review Citi® Double Cash Card – 18 month BT offer

Expert Thoughts on Citi Double Cash Card

To help people learn more about the Citi Double Cash Card, WalletHub posed the following questions to a panel of experts. You can see who they are and what advice they had to share below.

How can a credit card such as Citi Double Cash, which gives 2X the market average in rewards and has a $0 annual fee, be profitable for the issuer?
Why do you think there aren’t as many advertisements for Citi Double Cash as there are for cards like Chase Freedom Unlimited?
Do you think everyone should have a $0 annual fee cash back credit card?
Do you think we will see a triple-cash card with 3% cash back on all purchases anytime soon?

Danielle Zanzalari
Assistant Professor of Economics, Stillman School of Business, Seton Hall University
Read More

Britton A. McKay
Ph.D., CFE, Associate Dean, Parker College of Business, Georgia Southern University
Read More

Nicholas A. Vlisides
CFS, Professional Faculty, Department of Accounting and Finance, University of Michigan–Dearborn
Read More

Ericka N. Covington
Faculty Senate President and Professor, College of Business, Department of Management and Marketing, Coppin State University
Read More

Sherrill L. Shaffer
Guthrie Distinguished Professor of Banking and Financial Services Emeritus, University of Wyoming
Read More

S. Abraham (Avri) Ravid
Chair and Sy Syms Professor of Finance, Sy Syms School of Business, Yeshiva University
Read More

More Experts

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not the issuer’s responsibility to ensure all posts and/or questions are answered.

Offer last updated: Jan 14th, 2022 at 18:04 ET

Citi® Double Cash Card – 18 month BT offer

Citi® Double Cash Card – 18 month BT offer

Accepted Credit Scores

Annual Fee

Rewards

APR on Purchases

Balance Transfer

Editor's Take

Citi Double Cash Card Review

Citi Double Cash Card's Additional Info

Citi Double Cash Card FAQ

Compare The Citi Double Cash Card

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Citi Double Cash Card Video Review

Citi Double Cash Card Reviews

What's Your Rating?

Expert Thoughts on Citi Double Cash Card

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2022 WalletHub Awards