Citi® Double Cash Card full review: should you get it?

The best cash-back credit card on the market offers 2% cash back on every purchase, no annual fee, and a host of other features that make it a great choice for any spender. Learn more about the Citi® Double Cash Card!


by José Gonçalo

04/20/2022 | Updated on 06/13/2022

Citi® Double Cash Card: one of the best cash back programs you will find

Citi® Double Cash Card
2% cashback and much more. Discover the advantages of the Citi® Double Cash. Source: Citi.

So imagine making money for making a purchase and then making more money for paying for the purchase you made. In fact, this is one of the key benefits of the Citi® Double Cash Card.

However, it is not the only one. In the table below, see a summary of the advantages of this credit card and find out why you deserve to have it.

Citi logo

Citi® Double Cash Card: check out how to apply!

Looking for a great cash back credit card? Check out the Citi® Double Cash Card. You'll get 2% cash back on every purchase, plus anti-fraud protection and 0% APR in the first 18 months of use.

Credit Score690-850 (good or excellent)
Annual Fee$0
Regular APR0% APR for the first 18 months. From 14.24% to 24.24% in the following months.
Welcome bonusNone
Rewards2%: 1% on purchase and 1% on payment (unlimited program).

Citi® Double Cash Card: learn more about this financial product

Without a doubt, the Citi® Double Cash Card offers one of the best cash back programs. When you make a purchase, you receive 1% of the amount spent. Plus, if you pay on time, you’ll get another 1% cash back.

There are no limits to how much you can earn in the cash back program. Furthermore, you can use your rewards in different ways. Below, check out some of them:

  • Direct money into your account;
  • Points in frequent flyer programs;
  • Points on travel programs;
  • Balance for your next invoice;
  • Gift cards on or paypal;
  • Points in the Thankyou® program.

However, that is not all. The Citi® Double Cash also offers 18 months of 0% APR and extreme fraud protection. When you get this card, you will have 24/7 purchase monitoring.

If you do not recognize any purchase, you will not incur any financial loss. All these advantages without any annual fee.

In addition, you will still have access to the Citi Entertainment program. That is, you can buy tickets for games, music festivals and restaurants on pre-sale. For sure, this card will give you opportunities you never imagined.

Citi® Double Cash Card features

Happy young black African woman customer shopper holding credit card using cell phone mobile app buying fashion clothes paying online making purchase in ecommerce digital store on smartphone at home.
Strong candidate for the position of your newest credit card. Learn about the main advantages of the Citi® Double Cash. Source: Adobe Stock.

Now, check out a brief summary of the main advantages and disadvantages of this card:

What are the benefits? 

  • High rate in reward program (2%);
  • 0% APR in the first 18 months;
  • No annual fees.

What are the drawbacks?

  • Foreign transaction fee (3%);
  • Balance transfer fee (3% or $5, whichever is greater for the first 4 months. 5% or $5, whichever is greater, for subsequent months);
  • No bonus offer.

What credit score do you need to get the Citi® Double Cash Card?

In order to have a Citi® Double Cash named after you, a good credit score is required. Indeed, to apply for them you will need a good or excellent score. That means a score between 690 to 850.

How does the Citi® Double Cash Card application process work?

Applying for your Citi® Double Cash Card is a simple process and can be done entirely online. So, just have a computer or a cell phone close by. To help you with the request, we put together a small tutorial.

In short, it will tell you what to do if you have questions. Click on the link below to access it:

Citi logo

Citi® Double Cash Card: check out how to apply!

Looking for a great cash back credit card? Check out the Citi® Double Cash Card. You'll get 2% cash back on every purchase, plus anti-fraud protection and 0% APR in the first 18 months of use.

About the author

José Gonçalo

I started reading about finance only to find better options than savings. Since then, I have never stopped studying finance, and I believe that writing about it is the best way to help individuals feel fulfilled and have a healthy financial life. Today, I balance finance and medical school studies.

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