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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The Citi Double Cash uses mostly Experian for approval, but could pull your credit report from TransUnion or Equifax, too, depending on the state you live in.
But don't be alarmed by the randomness of it. As long as you use your credit responsibly, all reports will show the same information.
As for reporting, the Citi Double Cash reports to all three major credit bureaus on a monthly basis, helping you build your credit score and history.
It is an unsecured card for good credit (i.e. a credit score of 700+). That means that credit will be extended based on your creditworthiness, income and debt. No need to fund a security deposit to get it.
The Citi Double Cash purchase tracker tallies eligible purchases minus payments to determine your cash back rewards balance. A cumulative balance of rewards eligible to redeem will appear on your statement and online account every billing period.
The Double Cash card offers 2% on all eligible purchases. You'll earn... show more
If pre-selected for Citi Double Cash, you can complete and return the application you received in the mail or apply online, if you want to get the card. From the website address included in the mailing, enter the invitation code listed in the offer and your last name, then click... show more
To add a Citi Double Cash authorized user, log in to your online account and click the “Credit Card Services” link (under the “Services” tab), followed by “Authorized Users.” After that, enter the authorized user's name, address and birthdate. You can also choose whether or not to give the... show more
The Citi Double Cash Card APR is 13.99% - 23.99% (V). Citi Double Cash Card also has an introductory rate of 0% for 18 months, but only on balance transfers. It takes effect as soon as the account opens. Once it expires, the regular APR will apply to... show more
You can apply for the Citi Double Cash card by phone at 1-800-Citibank (1-800-248-4226), however, you'll have to undergo pretty much the same process as online.
Yes, the Citi® Double Cash Card – 18 month BT offer is a cash back credit card, which gives 2% cash back on purchases and has an annual fee of $0. Once you earn cash back on your Citi Double Cash Card, you can redeem it for a... 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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Ian Goodwin @iangoodwin88
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5 Star Rating
The double cash card, as advertised, is one of the only cards to offer 2% cash back on all purchases. I love it because I do not need to shop at particular stores, buy groceries at particular grocery stores, or get gas at particular stations. It's great. I love the freedom! Customer service is also spectacular. I felt like a human because I interacted with a human! I felt like they knew me well and wanted me as a customer. Get this card.
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Brandon Smith @brandons_18
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5 Star Rating
This is a great rewards card. They also offer some great promotions depending on your credit score. I got free balance transfers and no APR for 18 months. The card itself has been wonderful. I simply put all my bills on it every month, pay them off, and enjoy the double cash rewards. You can redeem the rewards as a statement credit or in other ways. This is my main card and I would recommend it to everyone.
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Edward Carpenter @edward.carpenter.35
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4 Star Rating
I was drawn to this card by the incentive of DOUBLE cash back. this sounded very appealing to me. I applied and was approved and had my card in about 9 days. I have been using for about 3 months now and can say that you do get 2% cash back across the board as long as you pay in full every month. This is a great rewards card just because of this. Highly recommended
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Stephen Quimby @stephenq2
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4 Star Rating
The Citi Double Cash card pays me 2% back on purchases, has no annual fee, and offers other rewards and benefits. I am paid 1% upon making the purchase, and an additional 1% when I pay for the purchase. The annual percentage rate is reasonable, but since I pay back in full every month that's not an issue. Another benefit is Citi's excellent customer service.
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Asad Zafar @asadz
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5 Star Rating
this is one of my favorite cards! the cashback rewards are great and so is the customer service experience. highly recommended!
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Ella Lee @epic.ellie
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5 Star Rating
The Citi Double Cash Card is my favorite credit card, not only because it has no annual fee, but also because of the rewards. It is the highest paying reward card out there. I chose this card because of the cash back I can receive, and that there is no fee to use it. You get 2% back on every purchase you make. Can't beat that!
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Elixir TheEnigma @ElixirTheEnigma
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3 Star Rating
I got my Citi Double Cash Card a few months ago. Initially I was drawn to this card because of the 0% intro rate on purchases and on transfers. There was only a $35 late fee, which seemed fair to me. I have enjoyed having this card, but its nothing special either.
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Bruce Mcclendon @bruce.mcclendon
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1 Star Rating
I too received the same "prequalified" numbered invitation, and when I formally applied online with the conformation # I was rejected....but what pisses me off the most is that checking my credit score Citi bank looked at my credit TWICE BACK TO BACK-looked once, then looked a second time on the same day! Credit Karma, shows the "hard inquiries" and my score dropped 4 points for each time they inquired. Again, I lost 8 points on my credit score in one day because of the two "hard inquires" made BY Citi! Yes, I was "preapproved" but was rejected and all the while lost valuable points on my credit score because they looked! What kind of business is this that this organization can trick you into such a thing, then let you be punished for their mistakes? Beware Citi cards.........
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Lewis Garrol @lewisg1
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4 Star Rating
The Citi Double Cash Card is chalk full of rewards and perks for those customers who use the card and make their minimum monthly payments on time. Even if you aren’t always able to do that, the late fees with this card are just not that bad and the interest rate is pretty low, especially for a card that comes with so many bonuses. Another perk of this card is that Citi’s staff is incredibly able and willing to help you understand all your options and also to help rectify any problem that may arise with your card, whether or not it was your fault. Overall this is a very good card.
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Andrew Frisch @aafrisch11
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5 Star Rating
This card offers 2% everywhere which is stellar. It also has a lot of new security features which protect you against fraud.
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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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