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
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.
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Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
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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.
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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).
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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.
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Yes, the Citi Double Cash Card has a grace period of at least 23 days, lasting from the end of each billing cycle until the payment due date. If cardholders pay their Citi Double Cash Card statement balance in full every month, Citibank will not charge any interest.
Keep in mind that you are not required to pay the entire balance by the due date. But if you decide to pay less than the full amount due, you will lose the grace period. The remaining Citi Double Cash Card balance and any new purchases will then start to accrue interest that compounds daily. To get a credit card grace period back, you will need to pay the statement balance in full for two consecutive months.
It's also important to note that grace periods do not apply to cash advances or balance transfers.
You do not need to do a balance transfer to get the Citi Double Cash card. While the card does have a very good offer for balance transfers (and can be used as such), they are by no means compulsory for approval or use.
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... show more
Yeah, just like any other purchases. 1% when you buy 1% when you pay, like the commercials saythey reward you with 1% cash back when you pay for insurance and another 1% back when you pay your card bill, which is pretty good tbh.
Citi Double Cash does not have any card design options nor do they allow you to customize your card. In fact, Citi does not offer designs and customization for any of its credit cards.
If you're looking design options outside of Cit, there are some companies such as metal-creditcard.com... show more
Share your insights and review the Citi® Double Cash Card – 18 month BT offer
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1,940 reviews
1,940 reviews
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Laura Salgado @Laura11111
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1 Star Rating
I would think it's with all citi credit cards. I made my payment on time, but it was posted to the account one day after the statement closing date. They charged me full interest, and did not care that I actually did pay on time. Or even tried to work with me. After all the time I've had this credit card, one issue that wasn't even my fault. No help, just ridiculous.
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eagleeye502001 @eagleeye502001
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1 Star Rating
Citicorp is very stingy about giving higher credit limits. They also have excessive fraud detection systems so they will flag and deny a lot of charges if you make any larger online purchase. They can definitely wear you out.
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alicia_santos787 @alicia_santos787
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1 Star Rating
They did not even bother let me apply because they need more than EXCELLENT credit. Do not waste your time if you want a second chance in life... and THEY ARE EXTREMELY RUDE AND MANNERED ! Will NOT RECOMMEND. Check other companies that are not money hungry like them!
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Alex Rosario @Ralex399
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5 Star Rating
Great Card. However, I had to get approval from a different card company first (Bank of America). After a couple months with BA Citibank came crawling back with constant pre-approval letters sent to me. That was because my credit score & use was gradually rising. I applied 3 years ago making a little over 55k and they approved. The double-cash-back is real. I've made over $200 a year just making the monthly pay. My credit limit has jumped three 3 times since and customer service has always been extra nice to me. Its a great card if your looking for credit increases (don't expect a credit increase after 4 months .... c'mon and you have to use the card for everyday purchases....everything.) I recommend it.
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conordrew @conordrew
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1 Star Rating
AbsolutelyTerrible good luck with the dispute process this company has horrible customer service that talks to you like you’re a piece of trash they do not defend the customer the process for a dispute is easily a full-time job I had a receipt from the merchant hand written and an email showing exactly how much money they owed and they still failed the dispute and gave it to the merchant which is more than enough evidence than any average person would have horrible company that forwards calls overseas to rude people in other countries I will never use them again American Express and Visa here I come all over again I would never deal with city and if that’s mastercards process I would never deal with them either Not worth the hassle for the 2% better off sticking with a 1.5% card and not having to deal with them
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Robert Stong @bobstong
I had same problem with Citi's worthless "dispute resolution." Recommend that others do not do business with Citi.
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Diane Bernardo @Lckygrl
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1 Star Rating
Terrible customer service. My authorized user's Citibank credit card was stolen and swiped at a grocery store. When it first happened (while the charges were still pending), I immediately gave customer service a call to let them know that over $490 worth of charges were made. They took note and immediately sent me a new card and proceeded to tell me that it will be off my credit 7-10 business days later.
2 weeks after the incident, the charges were still there. So I gave them a call again and it's like nobody knew I even placed the first call. "Are you sure this is fraud? The credit card was swiped" To which I replied "Yes, the actual physical credit card was stolen." "But ma'm you have shopped at this store before." "Yes, but that wasn't me and we have filed a police report already." Again, they said that it should be off my credit card in 7-10 business days.
Another week goes by and it's still on there. I called them a 3rd time and when I asked the customer service representative more questions, they then transferred me to the fraud / investigation number. After the THIRD TIME???!! And this department asked the same exact questions... "But the card was swiped? Are you sure you didn't make this purchase? You have shopped at this store before.
It was horrible! By far, one of the worst customer service experiences ever. I have Discover, American Express, and Capital One and have had fraudulent charges appear on them, granted those charges were never "swiped" but they still at least gave me credit while they conducted their investigations.
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Vincent A Wagner @vicenteA78733
Rampant affirmative action hiring has consequences, unfortunately
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fmvolpone @fmvolpone
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5 Star Rating
Hello Everyone I applied for a citi bank card, the double cash back card to be exact. Credit sesame said I had a good chance of approval for $3500 limit. Wanted it for balance transfer 0% for 18 months. My score on CS was showing 674 I make over $150k a year. Have less than $3k in debt. So was hoping for the $3500 limit. To my surprise 5 days later, I received an email showing I was approved. The kicker is it was for $14,600.00 BIG difference from the $3500 I needed. It’s now my biggest limit card, my other is $7750 from CapitalOne. I had over $40,000 in available credit. This puts me closer to $55,000 now. Thank you CIti Bank.
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kathryn_f_payne @kathryn_f_payne
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1 Star Rating
Terrible customer service and constant mistakes on their part. My card was compromised and told that my card was going to be overnighted...took over a week for my card to arrive. When I called customer service and FINALLY got to a manager, told there was nothing they could do, and it happens... along with being SUPER rude and belittling. Another time I was charged interest when I had paid off my balance in full, the list goes on. The cash back is nice, but there are other cards that are more reliable!
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Charles Tilley @charlest_151
The interest you're speaking of you had to pay may have been the 'trailing interest' buried in fine print, although AMEX reminds customers of this on every bill. So yes there's the possibility one can still owe interest after paying in full. However, it depends on the starting balance for the billing period. If no balance was owed, then there should be no extra interest, on the other hand, no matter how slight of a balance owed, one can get hit with this charge. Actually this was the first time I've heard of it & only because it's published on AMEX's monthly statement. Am sure other credit card issuers has a similar policy, could be named different. Hope this explains the matter.
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Teee Deee @fryingsocks
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1 Star Rating
The 2% on Citi's card is nice, but customer service is pretty weak. Well, insulting. When you have a question that the automaton can't find an answer to in the script binder, they suggest a manager call you back within 48 hours. I'm not joking. You see, all of the customer service managers are in meeting each time you call. Fancy that. So very busy. They'll perhaps ring you if available on their own timeline, say, in about two days.
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jawrkasperski @jawrkasperski
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1 Star Rating
I was about to apply for this card, but after reading these comments, I checked my records from 4 years ago...I used to have a Citi Bank Card, and will NEVER use them again. Someone sent me something I did not order and they told me I had to PAY to send it back in order to dismiss the charge. Customer Service is only for the Vendors. I would give it a zero if I could. ended up challenging the charge, then cancelling the card. I also have an excellent credit rating and pay my bill in full every month, still no service.
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Robert Stong @bobstong
I agree, Citi's customer-no-service is the worst!
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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
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