How long does it take to get credit line increases?
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Citi® Double Cash Card – 18 month BT offer
Citi® Double Cash Card – 18 month BT offer
Sponsored Card
Earn 2% cash back:
unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Rewards1,940Reviews132Q&AContact
RewardsAPREditor ReviewQ&ACustomer Reviews
Earn 2% cash back:
unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
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 Fee
Editor's Take
by John Kiernan
January 14th, 2022
Citi Double Cash Card's Additional Info
| cash advance fee | 5% (min $10) |
| cash advance APR | 25.24% (V) |
| foreign transaction fee | 3% |
| smart chip | Yes, chip-and-signature |
| max late fee | $40 |
| max overlimit fee | $0 |
| max penalty APR | 29.99% (V) |
| grace period | 23 days |
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.
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.
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How can I go over my Citi Double Cash credit limit?
6
UpvotesReply
WalletHub
While Citibank, the issuer, may from time to time approve a transaction that causes your Citi Double Cash balance to exceed your credit line, it is unlikely to do so with any consistency.
There will be no fee and the amount that you go over the limit will be... show more
How much is the Citi Double Cash card's cash back limit?
5
UpvotesReply
Ashley Wade
There is no limit to the amount of cash back you can earn with the Citi Double Cash Card.
Please take into account that Citi's cash rewards “expire” if you don't earn cash back from purchases or payments for 12 months. If you quit using the card, be sure to... show more
How can I transfer a personal loan balance to my Citi Double Cash card?
4
UpvotesReply
Dan Tomlin
You can transfer a personal loan balance to your Citi Double cash card online by accessing your account and choosing the “Transfer Balance” option. You will have to provide the name of the financial institution, the account number, and the amount you want to transfer to your card company.
... show more
How do I check my Citi Double Cash balance?
4
UpvotesReply
Cameron DiGiovanni
To check your Citi Double Cash Card balance, log in to your Citibank account online or call credit card customer service at 1-855-473-4583. It's also possible to check your Citi Double Cash Card balance through the Citibank app or by texting BAL to 692484.
How to Check Your ... show more
Can I get the Citi Double Cash card without a bank account?
4
UpvotesReply
WalletHub
A bank account is not necessary to apply and be approved for the Citi Double Cash card.
However, you need a bank account to be able to pay your bills each month, either online, by phone or by mail.
How do I cancel a Citi Double Cash credit card?
3
UpvotesReply
Sydney Garth
To cancel a Citi Double Cash Card, call customer service at 1 (855) 473-4583 or log in to the Citibank website or mobile app and click Services to view your options. Cardholders can also cancel an account in person at a Citibank branch, or by mail.
Be aware... show more
What are the Citi Double Cash categories for rewards?
3
UpvotesReply
WalletHub
There are no Citi® Double Cash Card – 18 month BT offer categories for bonus rewards. The Citi Double Cash Card instead gives a flat rewards rate on all purchases.
There are plenty of other credit cards that do offer bonus rewards in specific categories, though. If you're looking... show more
How long does it take to get the Citi Double Cash card?
3
UpvotesReply
Sherrill Albert
It takes 7 to 10 business days to get the Citi Double Cash card after approval.
If it's been more than 10 business days, but you still haven't received your card, a good idea would be to call their customer service line at (800) 950-5114.
What's the Citi Double Cash card's APR in the first year?
3
UpvotesReply
Nina Awoo
The Citi Double Cash card's APR in the first year is 13.99% - 23.99% (V), based on your creditworthiness.
But this card does offer a transfer intro APR of 0% for 18 months for balances transferred within 4 months of account opening. This offer comes with a balance... show more
Compare The Citi Double Cash Card
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 APR13.99% - 23.99% (V)
Regular APR22.99% Variable
Rewards Rate2% Cash Back
Rewards Rate1 - 5% Cash Back
Rewards Rate1 - 2% Cash Back
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Citi Double Cash Card Reviews
Share your insights and review the Citi® Double Cash Card – 18 month BT offer
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5 Star Rating
Verified CustomerPeople - you should be glad Citi is trying to prevent fraud. A little inconvenience is better than having your money pilfered. It is a good card, maybe the best on cash back. Customer Service varies with people administering all cards.
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I agree with your point, but in my case Citi's dipute resolution geniuses ruled in favor of seller, demanding my payment for item not received. Do business only with ethical banks, not Citi!
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4 Star Rating
Verified CustomerHave had this card for 2 yrs and no problems arose yet ,,,Like the price rewind feature, Though obviously not perfect,,I agree with user that we shouldn't have to take another inquiry to get a higher limit why not just use same report you did to approve me..
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1 Star Rating
I went to go make an airline ticket purchase and was declined immediately due to them flagging it as frad. After clearing it up via a confirmation text i went to make the purchase again and the ticket price rose. In calling Citi to see if there was anything they can do (considering they do something similar for Price Rewind) I talked to a bunch of people who were uninterested in helping me, and instead more interested in sending me off to someone else who (shocker) couldnt help me either, and the cycle continues. Dont ever plan on using this card for anything over $1 now because who knows, it could get declined and Im stuck paying the price for it. How convenient. Their service sucks and its disappointing. Fraud protection can be done right. My Capital One card has flagged me before and rather than declining, they allow the charge to pend while the clear it up with me so I dont get stuck with a useless card, nor do i get stuck with a fraudulent charge.
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When shopping for airline tickets always use a private browser! You’ll notice that the prices won’t change because that can’t track which IP address is visiting the site multiple times!
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1 Star Rating
Verified CustomerThey might open an account for you, then not let you actually use it. I was ineligible for instant approval when a ~750 FICO, then after a few days I got my approval notice. I received my cards in the mail, then when I tried to activate them the web page said there was an internal error and that I should try back later. After sometime I called and found that they claim the fraud department noticed a discrepancy with my account and that I needed to send a form in. Nearing the 3rd statement (the account is opened and unusable this whole time) they left a voicemail asking me to call them back. I was informed that they sent the wrong form (nearly 2 months after getting it back) and I would be getting something different.
Also, no one on any of their teams speaks English as a first language and most can barely speak it at all. If you are one of the people who want to be able to understand people taking to you about your financials, this is not the company for you.
TLDR: you will get a credit inquiry and an account you cannot use.
Should be 0 stars.
Also, no one on any of their teams speaks English as a first language and most can barely speak it at all. If you are one of the people who want to be able to understand people taking to you about your financials, this is not the company for you.
TLDR: you will get a credit inquiry and an account you cannot use.
Should be 0 stars.
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1 Star Rating
Worst customer service ever. They wanted my life story before I could use my card. Avoid at all cost. -5 stars!!!! Closed account before I even got to use it. Save yourself the headache
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1 Star Rating
very disappointe fico score EQ 740, EP 728, TU 730. no negative, 0% use, any late payment.. and my application was DENIED!!!
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You should had looked online for the 'backdoor' phone numbers to appeal you case once you received the latter, or better yet, as soon as the computer generated 'we need 7-10 business days' to review/process application. I've found this to have been of great help & gained two credit cards in this manner. Also, make sure to get your free annual credit reports every year & call to dispute every incorrect piece of information listed. If the credit agency cannot verify the data (example closed business & debt wasn't purchased), they have to remove even if it's accurate (example, an unpaid bill). However, there's more common mistakes on these reports like phone numbers never owned, addresses never lived at, misspelling of name, these type of things are flags to lenders. Once any inaccurate data has been removed, may take a month or two, should see a rise in credit scores. Finally, this offering seems to be for those with FICO scores of 780 to 780 & higher. Keep paying your bills on time every month & you'll obtain this card, or maybe one better.
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Although getting denied is frustrating, this card does let you know that you need a 750+. I have a 765, and I’m still hesitant to apply because if the strict requirements. Good luck.
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1 Star Rating
Card was awesome and the rewards were unmatched for my purchases. I am a business owner and used this card for several thousands of dollars a month. THEN..... MY CARD WAS HACKED! It has been 14 months since the unauthorized activity was spotted on my account. I have not even received a call from their fraud department. There have been many excuses but the main frustration is that there is no way to get a hold of the fraud department. You can fax them papers and information, but there is no number or email in order to talk to anyone. Worse yet, they did not report the fraud case correctly on my credit report. Therefore, I have had to call all 3 credit bureaus in order to correct the problem because you can't talk to anyone at CITI Bank Fraud Department. I will never get a credit card or anything from this company.
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4 Star Rating
I chose this card because I wanted Cash Back. I do not fly much (I'd like to but...) so I can't really use a Miles card. I pay my card in full each month so I don't worry about the Interest Rate. So Cash Back works best for me. I would like to earn more than 2% back - years back I had a card that used to pay 5% back but this is the best I can find for right now. I have had great experience with Citibank for decades. Their customer service is always reliable. Security is excellent - I use Citibank's Virtual Numbers for all my Online purchases. I also like not having my Credit Card from my Personal Bank so there is no connection between my bank accounts & my credit cards for security.
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5 Star Rating
Citi Double Cash is one of the best cash rewards cards on the market today. The reward structure is a little unique in that you get 1% cash back at the time of purchase and 1% when you pay the balance for an effective 2% cash back. There is no annual fee but there is a quite high (3%) foreign transaction fee, so I wouldn't recommend using this card when you're traveling internationally.
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1 Star Rating
AVOID Citibank Credit Cards!
My friend and I were taken on an education scam. We charged part of the cost to Citibank and part to USAA, the majority, $30k, to Citibank. I have great credit and a 18 month 0% interest - so put the majority on that card. When we found out it was a scam, about a week after the charge, I contacted Citibank, and my friend contacted USAA. My friend wrote one letter to USAA - and they rejected the charge. I have written 6 letters over the course of 7 months, including the letter from USAA rejecting the charge, as Citibank went back and forth with the vendor. Now - Citibank has refused to protect me - their customer!!! They sided with the vendor with an "oh well" and demand payment with in 15 days. Since USAA did side with the customer - I have proof that this was fully their choice. They chose to pay the scam artist instead of protect me.
I have never once paid late, carried a balance, or done anything other than be a model customer.
Well Citibank - I am shouting your lack of customer service from every rooftop I can find! No amount of promos can offset this!
My friend and I were taken on an education scam. We charged part of the cost to Citibank and part to USAA, the majority, $30k, to Citibank. I have great credit and a 18 month 0% interest - so put the majority on that card. When we found out it was a scam, about a week after the charge, I contacted Citibank, and my friend contacted USAA. My friend wrote one letter to USAA - and they rejected the charge. I have written 6 letters over the course of 7 months, including the letter from USAA rejecting the charge, as Citibank went back and forth with the vendor. Now - Citibank has refused to protect me - their customer!!! They sided with the vendor with an "oh well" and demand payment with in 15 days. Since USAA did side with the customer - I have proof that this was fully their choice. They chose to pay the scam artist instead of protect me.
I have never once paid late, carried a balance, or done anything other than be a model customer.
Well Citibank - I am shouting your lack of customer service from every rooftop I can find! No amount of promos can offset this!
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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
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Assistant Professor of Economics, Stillman School of Business, Seton Hall University
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Britton A. McKay
Ph.D., CFE, Associate Dean, Parker College of Business, Georgia Southern University
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Ph.D., CFE, Associate Dean, Parker College of Business, Georgia Southern University
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Nicholas A. Vlisides
CFS, Professional Faculty, Department of Accounting and Finance, University of Michigan–Dearborn
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CFS, Professional Faculty, Department of Accounting and Finance, University of Michigan–Dearborn
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Ericka N. Covington
Faculty Senate President and Professor, College of Business, Department of Management and Marketing, Coppin State University
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Faculty Senate President and Professor, College of Business, Department of Management and Marketing, Coppin State University
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Sherrill L. Shaffer
Guthrie Distinguished Professor of Banking and Financial Services Emeritus, University of Wyoming
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Guthrie Distinguished Professor of Banking and Financial Services Emeritus, University of Wyoming
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S. Abraham (Avri) Ravid
Chair and Sy Syms Professor of Finance, Sy Syms School of Business, Yeshiva University
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Chair and Sy Syms Professor of Finance, Sy Syms School of Business, Yeshiva University
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Offer last updated: Jan 14th, 2022 at 18:04 ET