Citi Double Cash Review

The Citi Double Cash Card credit limit will be at least $500 to start. It could be a lot higher than that, depending on your overall creditworthiness, but Citi doesn't disclose a maximum. In general, though, the higher your credit score is and the more income you have relative to your existing debt obligations, the higher you can expect your credit limit to be.

Furthermore, you shouldn't read too much into the Citi Double Cash Card's $500 minimum credit limit. That amount is not uncommon for a credit card that requires at least good credit for approval. If you consistently pay your bill on time, you'll also become eligible for a credit limit increase after six months or so.

At the end of the day, all we can say for sure is that Citi Double Cash Card is one of the best cash back credit cards on the market and has a credit limit that will be at least $500. It's definitely worth applying for if you have the good credit or better needed for approval. If you don't get approved for the kind of limit you're looking for, you don't have to open an account. And you might even wind up with a higher limit if you balk at the initial number and declare your intention to walk.

The Citi Double Cash Card extended warranty cover is no longer offered. Citi discontinued this benefit on Sept. 22, 2019. It used to add 2 years to an existing warranty on eligible Citi Double Cash Card purchases, up to a total of 7 years of coverage.

The card's previous extended warranty coverage, though, still applies for purchases made before the 22nd of September 2019. If this is your case, it is worth noting that eligible purchases must come with some kind of warranty, whether it's included from the manufacturer or purchased by you at the time. Products without an existing warranty won't be covered.

You can file a Citi Double Cash Card extended warranty claim by calling (866) 918-4670, or you can download a claim form from Citi's website. All required documents (receipt, credit card statement, copy of manufacturer's warranty, etc.) must be sent in within 180 days of the product breaking. If your claim is approved, Citi will repair, replace, or reimburse you for the damaged item, up to the amount charged on your card or $10,000, whichever is less.

Citi's extended warranty does not cover cars, boats, aircraft, or any other motorized vehicles.

You can find the Citi Double Cash Card login page on Citi's website. Everyone who has a Citi account can log in to manage their account there. There is no separate page for a Citi Double Cash Card login.

You can also access the Citi Double Cash Card login page from the Citi mobile app, which you can get for free for both Apple and Android. This is probably the most convenient way for you to manage your account on the go. You'll just need to log in on the app with the same information you'd normally put in to the website login field. 

How to create an online account:

If you don't have an online account, it's pretty easy to create one. Just go to the login page  and click below the username and password fields where it says, “Register for Online Access.” You'll then need to enter your card number, along with your birthdate and the last 4 digits of your SSN. Then you can set up your account and create a username and password. After you're logged in, you'll have full access to your account, allowing you to view your balance, see your transactions and rewards, make payments and more.

Yes, Citi Double Cash Card rewards expire if you don't make a single purchase or bill payment for a full year. Citi Double Cash Card works by offering 2% cash back on every purchase - half when you make a purchase and the other half as you pay for it. If you haven't earned cash back on either purchases or payments for longer than a 12-month period, your rewards will expire. Similarly, Citi Double Cash Card rewards expire if you don't redeem your remaining balance when you close your account. And you won't be able to earn cash back rewards unless you keep your account current by making at least your minimum payment by the first day of your next billing cycle.

These might seem like negatives. But most rewards cards have these rules. And look on the bright side: It's pretty easy to avoid losing your rewards.

How to Make Sure Your Citi Double Cash Card Rewards Don't Expire

• Make at least one purchase within a 12-month period. Simply spending a few dollars every once in a while will earn you cash back on purchases and help you avoid losing rewards due to inactivity.
• Pay for your purchases. If you haven't earned cash back by making a purchase or paying for one for longer than a 12-month period, your rewards will expire.
• Keep your account current. Failing to make a minimum payment by the first day of your next billing period will not earn you cash back rewards for any purchases made during the billing cycle for which you failed to make the minimum payment. You will also not earn cash back for payments correlated with those purchases unless you reinstate them and make an eligible payment. You may request reinstatement of your purchases by calling Citibank at (855) 473-4583.
• Regularly redeem your cash back. You can get your cash back as a statement credit, check or direct deposit to a bank account. This won't reset the expiration countdown, but it will keep you from having much to lose.

You may also lose your rewards if Citibank closes your account due to irresponsible or illegal behavior. That includes fraud, misuse, abuse or not making the minimum payments for a long time

The Citi Double Cash Card APR is 14.74% - 24.74% (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 any remaining transferred balances.

Here is what you need to know about the Citi Double Cash Card APR:

• Regular APR: 14.74% - 24.74% (V), based on each approved applicant's income, debt, credit score and other factors. No introductory rate for purchases, which means interest is paid at the regular APR, unless statement balances are paid in full by each due date.
• Introductory balance transfer APR: 0% for 18 months. Each balance transfer is subject to a balance transfer fee of 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer. Once the introductory balance transfer period is over, your remaining balance will accrue interest at the regular APR.
• Cash advance APR: 25.99% (V). Cash advances are also subject to a 5% (min $10) cash advance fee. There is no grace period for cash advances, so interest starts to accumulate as soon as you complete the transaction.
• Penalty APR: Up to 29.99%. The penalty APR may be applied to your account when making a late payment or making a payment that is returned.

You can avoid Citi Double Cash Card APRs altogether by staying away from cash advances and paying the entire balance in full, and on time, every month.

Yes, it is hard to get the Citi® Double Cash Card – 18 month BT offer because it requires at least good credit for approval. Unless your credit score is 700 or higher and you have a lot of income, it will be difficult for you to get approved for the Citi Double Cash Card.

In order to get the Citi Double Cash Card, you will have to meet the credit score requirement, have a steady income and be at least 18 years old. You'll also need to have an SSN.

Keep in mind that even if you meet all of the requirements for the Citi Double Cash Card, you're never guaranteed to be approved.

You need a good credit score to get approved for the Citi Double Cash Card. That means applicants need a credit score of 700 or higher for good approval odds. Simply having a 700 credit score does not guarantee approval, however. There are other factors in play, including how your income compares to your debt obligations, and your overall ability to make credit card payments.

You can check your latest credit score for free on WalletHub, the only site with free daily updates, to get a sense of your Citi Double Cash Card approval odds. We'll also give you personalized credit improvement tips to help maximize your chances.

Finally, if you don't think you have the kind of credit score needed for Citi Double Cash Card approval, that doesn't mean you're out of options. You can check out the rest of WalletHub's picks for the best rewards credit cards to find an offer that suits your standing. Keeping your account in good standing by paying your bills on time and in full will help you improve your credit score and gain access to better credit card deals.

The Citi Double Cash Card annual fee is $0 per year. The combination of no annual fee and great cash back rewards on all purchases really helps the Citi Double Cash Card stand out from its competition. It's not the only fee you need to worry about with the Citi Double Cash Card, though.

Citi Double Cash Card Fees

• Annual Fee: $0
• Cash Advance Fee: 5% (min $10)
• Foreign Fee: 3%
• Balance Transfer Fee: 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer
• Max Late Fee: $40

There is no Citi Double Cash Card signup bonus. Citi Double Cash Card doesn't have a signup bonus because it has a higher ongoing rewards rate than other cash back credit cards. There's also no bonus for referring a friend (only by solicitation) or adding an authorized user.

The only current Citi Double Cash Card bonus is the double cash itself. You get 2% cash back on every purchase (1% when you buy and 1% as you pay for those purchases). The Citi Double Cash Card has a $0 annual fee.

You can request a Citibank credit card limit increase online, through the Citi Mobile App, or by phone, at (800) 950-5114. Citi may also offer an automatic credit limit increase if its regular reviews of the account show a history of on-time payments and low debt. Periodic reviews typically start after the account has been open for about six months. To make a decision about a credit limit increase, Citi will also review your current income as well as your credit history.

Some Citibank credit card limit increase requests may involve Citi doing a hard pull of your credit report, at least as of February 2019. A hard pull may cause a short-term dip in your credit score. Citi will almost always use a harmless soft pull initially, but will do a hard pull if you ask them for a higher increase than they first offer you. And when Citi offers an automatic credit limit increase, they will always use a soft pull. Citi cannot do a hard pull without your permission.

How to get a Citibank credit card limit increase online:

1. Log in to your online account or your Citi Mobile App. Click Services, and then “Credit Card Services.”
2. Select “Request a Credit Limit Increase” under the Card Management menu.
3. Choose the Citibank account for which you're requesting the increase (if you have more than one).
4. Enter your total annual income and monthly mortgage/rent payment. Click “Continue.”
5. Confirm the information entered and click “Continue” to submit the request.
6. Review the decision you will receive after a few seconds. If you're approved for an increase, the new credit limit is effective immediately.

A Citibank credit card limit increase can boost your credit standing if you use the extra purchasing power responsibly. The added credit can lower your utilization, assuming your spending does not increase, and that in turn can raise your credit score. If you're planning on making a major purchase soon, an increase will also reduce the risk of maxing out the card's credit limit.

To raise your chances of being approved for an increase, always pay your bill on time and pay more than the minimum due. And if your income increases, make sure to update that information on your online account, as Citi will see that you can afford higher limits.