Citi Double Cash Review

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 the “Proceed to Application” button. You may receive an instant decision, but Citibank doesn't guarantee it. In some cases, they may need additional information to process the application. Citi will notify applicants via mail and/or e-mail within 7-10 business days.

Being pre-selected for Citi Double Cash means that Citibank has determined you're within the general underwriting requirements for this card. This is different from being pre-approved (or pre-qualified), which is a more personalized offer based on a high-level review of your credit history. If you respond to a pre-selected offer for Citi Double Cash, your chances of being approved are decent, but slightly lower than with a pre-approved offer.

A Citi Double Cash pre-selected offer does not apply to other Citi cards, if you're interested in a different option. But there's an online tool that lets you check which cards you might pre-qualify for. Once you log in and enter the required information, you'll see a list of cards that may offer good odds of approval, but there's no guarantee Double Cash will be among them. Checking for additional offers won't affect your credit score.

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.

To log in to your Citi® Double Cash Card – 18 month BT offer account, go to the login page on the Citibank website or mobile app and enter your username and password in the appropriate fields. Then, click the “Sign On” to access your online account. If you don't already have an account, you will need to start by clicking “Register for Online Access” in order to set up a username and password.

How to Log in to a Citi Double Cash Card Account

1. Register your Citi Double Cash Card for online account access. Click “Register for Online Access” and enter your your card number, birthdate and the last 4 digits of your Social Security number or Tax ID number to verify your credit card account.
2. Choose your Citi Double Cash Card username and password. The username must be between 5 and 50 characters, including special characters, but no spaces. The password must contain from 6 to 50 characters and have at least one letter and one number, different from your password, and no more than two consecutive identical characters. The password is not case sensitive and may contain special characters.
3. Log in with your new Citi Double Cash Card credentials. From the login page on the Citibank website or mobile app, fill out the User ID and Password fields using your new credentials, and click “Sign On” to access your account.

After you have signed up and logged in, you'll be able to manage your Citi Double Cash Card account online. You can pay your credit card bill, see credit card statements, monitor account activity, and change account information such as passwords and automatic payments.

If you forget your login information, click “Forgot Password?” on the Citibank login page. Then, just follow the prompts to reset or retrieve your username or password.

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.

Here's 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 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 any remaining transferred balances.

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

• Regular APR: 13.99% - 23.99% (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 3% (min $5) balance transfer fee. Once the introductory balance transfer period is over, your remaining balance will accrue interest at the regular APR.
• Cash advance APR: 25.24% (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.

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.

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 first redeem eligible rewards, or make a minor purchase with the card at least once a year to reset the clock on expiration.

The Citi Double Cash Card is a Mastercard. This means that you can use the card virtually everywhere in the world that accepts credit cards. Mastercard is accepted in over 210 countries and territories, and by millions of retailers.

But wide acceptance isn't the only good thing about the Citi Double Cash Card. You'll also get a range of features, including:

• Rewards: You earn 2% cash back on every purchase (1% when you buy and 1% as you pay for those purchases).
• Balance Transfer Offer: Intro APR of 0% for 18 months. After that, the APR will be 13.99% - 23.99% (V), based on your creditworthiness. This card has a 3% (min $5) balance transfer fee.
• Citi Entertainment: Exclusive access to event ticket sales.
• Identity theft support: You won't be held liable for unauthorized charges made on your card.
• Concierge service: Helps you with travel planning, shopping, restaurant reservations and your everyday needs.

If you decide you don't want to have a Mastercard and you are still looking for a credit card offering a 0% introductory rate for balance transfers, you might want to check out our editor's latest picks for the best balance transfer credit cards.

The Citi Double Cash Card foreign transaction fee is 3%. Frequent international travelers should probably use a no foreign fee credit card instead because paying 3% on every foreign purchase will negate the rewards you could earn. The Citi Double Cash Card may not be a good credit card to use abroad, but it is one of the best cash back cards on the market.

Foreign transaction fees apply when you make purchases while traveling internationally. They can also affect purchases made online if the merchant is based abroad. Fortunately, there are plenty of cards with no foreign fee, so there's really no reason to pay extra when making foreign purchases.

The best Citi Double Cash Card benefits are virtual account numbers and Citi concierge. The Citi® Double Cash Card – 18 month BT offer also has identity theft protection and contactless chip technology, which are more common perks across Citibank credit cards.

Citi Double Cash Card Benefits

• Virtual account numbers
• Citi concierge
• Identity theft protection
• Contactless chip technology
• Account activity alerts
• Zero liability fraud protection

Along with these benefits, the Citi Double Cash Card has a $0 annual fee and gives rewards on all purchases. As long as you have good credit, the Citi® Double Cash Card – 18 month BT offer is certainly a card to consider adding to your wallet.