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.

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.

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 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.

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 Citi Double Cash Card benefits include exclusive access to presale tickets for live events through Citi Entertainment, 2% cash back on every purchase, an introductory APR of 0% for 18 months on balance transfers, and a $0 annual fee. Cardholders also get additional perks such as 24-hour fraud protection, $0 liability for unauthorized charges, identity theft assistance and lost card/emergency cash services.

Citi Double Cash Card no longer offers benefits such as trip cancellation and interruption protection, car rental insurance, travel accident insurance, purchase protection, extended warranties on purchased items, or return protection benefits. Citi cut those perks in 2019.