2021 Citi Double Cash Review

You can find the Citi Double Cash 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 login.

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.

You can also access the Citi Double Cash 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.

The Citi Double Cash 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. Citi Double Cash 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.

You need an excellent credit score to get approved for the Citi® Double Cash Card – 18 month BT offer. That means applicants need a credit score of 750 or higher for good approval odds. Simply having a 750 credit score does not guarantee approval, however. There are other factors in play, including how your income compares to your debt obligations. That's actually one reason why we recommend applying for Citi Double Cash only if you have a credit score of 750 or higher.

Most people think of “excellent” credit scores as ranging from 720 to 850. But it's wise to adjust your sights a bit higher than the minimum for excellent credit when shopping for an elite credit card offer. After all, if you barely meet the Citi Double Cash credit score requirement, actually getting approved may still be a long shot.

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 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.

The Citi Double Cash extended warranty was cut by Citi in September of 2019. Before that, the card's extended warranty added 24 months of coverage to many manufacturer's warranties, for up to $10,000. Citi Double Cash and Citi Dividend were the 2 Citi cards that lost their extended warranty benefits.

There are other credit cards that offer extended warranty benefits, though. Try the Citi Premier Card, which offers 2 years of extra manufacturer's warranty time to purchases. Citi Premier's annual fee is $95.

The Citi Double Cash rental car insurance was one of the benefits cancelled by Citi in September 2019. Most Citi cards no longer offer it.

The good news is, you have other options. The Capital One Quicksilver is pretty good if you're looking for a flat rate cash back card, because it gives 1.5% Cash Back on all purchases. Plus it does have rental car insurance covering damage, theft, towing fees, and loss of use. You have to make the full rental purchase with the Quicksilver card and decline any extra insurance offered by the rental company for the card's insurance to work.

The Citi Double Cash annual fee is $0. Double Cash is one of the best everyday rewards credit cards in part because of its $0 annual fee. The ongoing rewards rate for this card is 2% Cash Back: 1% when you make a purchase, 1% when you pay off the purchase. That's one of the best flat rate cash back deals on the market, and with no annual fee to cut into those earnings, it's an excellent value.

The Citi Double Cash balance transfer fee is $5 or 3% of each transfer, whichever is higher. Double Cash balance transfer fees apply whether you're transferring balances at the 0% intro APR for balance transfers or after the introductory rate expires.

Citi Double Cash allows you to transfer balances at a promotional rate of 0% for 18 months, from when you first transfer a balance (within four months of opening an account). After that, balance transfers are charged at the regular APR, which is 13.99% - 23.99% (V).

If you apply to transfer a balance when you apply for the card, you may not get approved to transfer the full amount that you ask for. The total, including transfer fees, can't exceed your credit limit, and you won't know what your credit limit is until you're approved. Citi will often reject a balance transfer request if it exceeds your available credit, or in some cases, they may adjust the transfer to an amount below the credit limit.

Or, you can wait and submit a balance transfer request after you receive your card and know your credit limit.

You can request a Citi Double Cash credit limit increase either online or by phone, at 1 (855) 473-4583. Citi reviews all credit limit increase requests on a case-by-case basis. For the highest odds of approval, Citi recommends paying on-time, preferably in full, for at least 6 consecutive billing periods prior to requesting a higher limit.

For phone requests, follow the automated voice prompts or state that you'd like to speak to a customer service representative. When instructed, provide your annual income and your monthly mortgage/rent payment. Requesting a credit limit increase online is just as simple. In fact, it's likely to be even easier and faster than calling.

How to Get a Citi Double Cash Credit Limit Increase Online:

1. Log in to your Double Cash account and click the “Services” tab. From there, choose “Credit Card Services.”
2. Click “Request a Credit Limit Increase” under the “Card Management” menu.
3. Choose the Double Cash card from the “Select an account” menu.
4. Provide your annual income and your monthly housing payment.
5. Review and click “Continue” to submit your credit request.

You should receive an immediate decision approving or denying the request. If approved, the new credit limit will appear in your account and will be immediately available for you to use.

Finally, one thing people often wonder about is whether requesting a higher credit limit on their Citi Double Cash Card will hurt their credit standing. And the answer is no, not usually.

Citi initially uses a soft pull, or soft inquiry into your credit history, to evaluate credit limit increase requests. That will not affect your credit score. But if you're not satisfied with the increase amount that Citi approves you for, you can request an even bigger credit limit increase. A request for credit above what Citi offers will require a hard pull of your credit report. As a result, there will be a slight, but temporary, drop in your credit score.

To redeem your Citi Double Cash rewards, you'll need to log in to your account by visiting citi.com.

After logging in, you'll see your cash back balance off to the right. Then click on “Redeem” to move forward with redemption options.

You can choose between a statement credit, direct deposit to a bank account, check or even gift cards.

The easiest way to make a Citi Double Cash payment is online through the Citibank website or via the Citi mobile app. After signing up for online access, just log in and click “Payments & Transfers,” then “Pay Citi Credit Cards.” Choose your payment account in the drop-down menu (or add your bank account and routing numbers), then select how much you'd like to pay and the date you want it to post. Click “Continue” to review and submit your payment.

You can also pay your Citi Double Cash bill over the phone. Simply call 800-950-5114 and enter your card number to get to the menu of options. The prompts will lead you through making a payment.

Alternately, you can mail in a Citi Double Cash payment. Send a check or money order and the payment coupon from your credit card statement to: Citi Cards / P.O. Box 78045 / Phoenix, AZ 85062-8045.