Features

Who is Citi Double Cash Card Designed For?

The Citi Double Cash Card is designed for people with excellent credit who like the simplicity of a straightforward cash-back rewards program, hate messing around with rotating bonus categories and want the option to earn unlimited rewards. This card also offers a generous 0% APR as an introductory rate on balance transfers.

What are the Rates for Citi Double Cash Card?

The Citi Double Cash Card has a 14.49% APR to 24.49% APR on purchases and balance transfers, depending on each cardholder's creditworthiness. Cash advances have a standard variable rate of 26.24% APR and there is a 29.99% APR penalty rate that applies whenever you are late on a payment.

What are the Fees for Citi Double Cash Card Credit Card?

The Citi Double Cash Card has no annual fee, which is excellent for a credit card that offers so many perks and such a high rewards rate. There is a 5% cash advance fee (minimum of $10), a 3% balance transfer fee ($5 minimum) and a 3% fee on foreign purchases. Late payments and returned payments incur a $35 fee, but Citi will give you a pass the first time you are late on your fee.

What Is Citi Double Cash Card's Rewards Program Like?

The Citi Double Cash Card rewards program is a simple 1% cash back rewards program with a twist. You receive 1% cash back when you purchase stuff and another 1% when you pay for it, whether you pay it immediately or carry a balance. An across the board 2% cash back rate is high even when compared to many travel credit cards that carry an annual fee, particularly when there are no caps or limits to how much you can earn.

However, there are no rotating bonus categories, which may be a drawback for people who use plastic mainly for a particular type of purchases, such as groceries, travel or gas and are looking for a 5% bonus rate. Instead, the Citi Double Cash Card offers consistent and high rewards rate without requiring you to jump through any hoops or use a particular platform to redeem your points or miles.

What about Citi Double Cash Card's Signup Bonus?

This is probably the only weak spot for Citi's Double Cash Card: it doesn't have a signup bonus. This is not a big deal when you consider the valuable benefits it does provide and the fact it doesn't charge an annual fee.

Does Citi Double Cash Card Have Any Other Benefits?

The Citi Double Cash Card includes all the prime benefits you would expect for a top-end credit card. These include Price Rewind on purchases for purchases you made within 60 days, damage and theft protection, extended warranty, $0 fraud liability, worldwide car rental insurance, trip cancellation protection and concierge service.

How Is Citi Double Cash Card Better Than Other Credit Cards?

Citi Double Cash Card combines the generous purchase and travel benefits of a top travel card with the consistent, no hassle high reward rates only a handful of cash back cards offer into one card. Add to that the generous 18-month 0% APR intro rate for balance transfers and you have yourself a winner card. The only caveats to consider are the 3% foreign transaction fee and the 3% balance transfer fee. If you're planning to transfer your balance from another card, there are other options, such as Chase's Slate, that waive the balance transfer fee.

  • Card Type
    • Cash Back
    • Balance Transfer
    • Rewards
  • Customer Type
    Personal
  • Card Network
    Other
  • Credit Score Range
    640 - 850
  • Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
  • Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
  • Minimum Age
    18
  • Supported Income Types
    • 1099 Misc. Income
    • Cash / Other
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
  • Grace Period / Deferred Interest
    23
  • Late Payment Penalty
    $35
  • Minimum Interest Charge
    $1
  • Returned Payment Fee
    $35
  • Foreign Currency Transaction Fee
    3%
  • No Annual Fee
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Travel Insurance
  • Cashback
  • Balance Computation
    daily balance
  • Penalty APR
    29.99%
  • Purchases APR
    14.49% - 24.49%
  • Transfer Fee
    3% ($5 minimum)
  • Balance Transfer APR
    14.49% - 24.49%
  • Intro APR period (months)
    18
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