The Citi Double Cash Card is the archetype of simplicity: earn a straight 2% cash back on all purchases—with no annual fee, no rotating categories, and no caps. Pair that with a 0% intro APR on balance transfers, and you’ve got a powerhouse everyday card.
🎁 Rewards That Actually Reward You
- Earn 1% cash back when you make a purchase and another 1% when you pay it off—totaling 2% cash back on every transaction.
- 20,000 ThankYou® Points (worth $200) after spending $1,500 within the first six months—your bonus can be redeemed for statement credit, deposit, or check.
- Score 5% cash back (total) on hotels, car rentals, and attractions booked through Citi Travel—this boosts your effective return in select travel categories.
💸 Intro APR & Interest-Free Transfer Power
- 0% intro APR on balance transfers for 18 months, ideal for debt payoff.
- Regular variable APR ranges from 18.24%–28.24%, based on creditworthiness.
- 3% balance transfer fee ($5 minimum) for transfers made within first 4 months; rises to 5% thereafter.
This card is ideal if you’re carrying a balance initially but plan to pay it down during the introductory period—just avoid new purchases during that window to preserve the intro APR.
⚙️ Straightforward Redemption, Powerful Flexibility
- Redeem ThankYou® Points as cash back (statement credit, deposit, or check) with no minimum thresholds.
- Points are valued at 1¢ each, making this a true 2% cash-back card.
- You can also transfer points to partner loyalty programs (e.g., JetBlue, Wyndham), offering potential outsized value, primarily if you already hold another Citi ThankYou®-earning card.
🔐 No Frills, All Safety
- Zero Liability protection—you’re not responsible for unauthorized charges.
- Chip-based & contactless payment support, plus compatibility with Apple Pay/Google Pay.
- Free Citi Entertainment perks for live events, dining, and experiences.
📄 Terms & Tips
| Feature | Details |
|---|---|
| Annual Fee | $0 |
| Rewards Rate | 2% on purchases (1% when you buy + 1% when paid off) |
| Sign‑up Bonus | $200 (20,000 points) after $1,500 in 6 months |
| Intro APR | 0% on balance transfers for 18 months |
| Ongoing APR | 18.24%–28.24% variable |
| Balance Transfer Fee | 3% within first 4 months; 5% afterward |
| Foreign Transaction | 3% fee |
💡 Pro Tip: Use this card alongside a bonus-category card for specialized spending and let Double Cash be your fallback for all other purchases.
✅ Who Should Apply — And Who Shouldn’t
Great choice if you:
- Want to earn flat 2% cash back without remembering rotating categories.
- Need a long 0% APR window to pay off debt.
- Prefer no annual fee and clear terms.
Maybe skip if you:
- Carry balances beyond 18 months—interest may outweigh rewards.
- Want elevated travel perks (no lounge access, travel insurance).
- Prefer bonus categories with higher rates in certain spending areas.
🚀 How to Apply for the Citi Double Cash® Card
- Check prequalification online using Citi’s “See if You’re Pre‑Qualified” tool—this doesn’t affect your credit.
- Apply online, via phone (1‑800‑347‑4934), or at a Citi branch—provide your personal, income, and address details.
- Submit and wait—you’ll often receive a decision within minutes.
- After approval, activate balance transfers (if desired) within the first 4 months to access the 0% APR window.
- Begin using and paying off the card monthly—this maximizes both 2% rewards and responsible credit use.
🎯 Final Verdict
The Citi Double Cash® Card is a top-tier, no-nonsense cash-back card that rewards you for both spending and paying off purchases. Its combination of 2% cash back, $200 sign-up bonus, and long 0% APR on balance transfers makes it a standout for anyone seeking simplicity, value, and strong earnings.
Apply today to make your everyday dollars go further—on both purchases and peace of mind.
