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% introductory rate on purchases and balance transfers, which makes it a good option for people planning to buy something big that they can't pay off straight away.

What are the Interest Rates for Citi Double Cash Card?

- The Citi Double Cash Card has a 12.99% to 22.99% APR on purchases and balance transfers, depending on each cardholder's creditworthiness. Cash advances have a standard variable APR of 25.24% and there is a 29.99% 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% bonues 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 15-month 0% APR intro rate 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
    Rewards
  • Customer Type
    Personal
  • Card Network
    Other
  • Minimum Age
    18
  • Co-signing Allowed
  • Grace Period / Deferred Interest
    23
  • Late Payment Penalty
    $350
  • Minimum Interest Charge
    $1
  • Returned Payment Fee
    $35
  • Foreign Currency Transaction Fee
    3%
  • Car Rental Insurance
  • Emergency Support
  • Extended Warranty
  • Flight Insurance
  • Fraud Liability
  • Free FICO Score
  • Lost Luggage Insurance
  • Travel Insurance
  • Air Miles
  • Cashback
  • Points
  • Purchases APR
    12.99% - %
  • Transfer Fee
    3% ($5 minimum)
  • Balance Transfer APR
    12.99% to 22.99% APR% - %
js-table-filter bizname-citi-thank-you-preferred-card
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter every-purchase-138
js-table-filter points-137
13.24
js-table-filter restaurants-142
0
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-12
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1812

  • Every Purchase
  • Points
  • Restaurants
  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Card Type Rewards
Purchases APR 13.24%
Balance Transfer APR 13.24%
Intro APR period (months) 15
075
js-table-filter bizname-citi-simplicity
0
js-table-filter ccard-type-137
12.99
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-11
js-table-filter credit-required-116

Est. 1812

  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Purchases APR 12.99%
Balance Transfer APR 12.99% to 22.99% APR%
006
js-table-filter bizname-citi-diamond-preferred
0
js-table-filter ccard-type-137
js-table-filter ccard-type-136
11.99
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-11
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 1812

  • No Annual Fee
  • 0% Introductory APR
Card Type Balance Transfer
Card Type Rewards
Purchases APR 11.99%
Balance Transfer APR 11.99% to 21.99% APR%
006
js-table-filter bizname-citi-prestige-card
js-table-filter airlines-140
450
js-table-filter ccard-type-137
js-table-filter ccard-type-136
js-table-filter points-137
15.24
js-table-filter restaurants-142
js-table-filter travel-143
15.24%
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

Est. 2006

  • Airlines
  • Points
  • Restaurants
  • Travel
  • No Foreign Transaction Fee
Annual Fee $450
Card Type Balance Transfer
Card Type Rewards
Purchases APR 15.24%
Balance Transfer APR 15.24%%
Introductory Rate 15.24%%
006
js-table-filter bizname-citi-double-cash-card
0
js-table-filter ccard-type-136
js-table-filter cashback-135
js-table-filter every-purchase-138
12.99
0
js-table-filter no-annual-fee-238
js-table-filter no-introductory-apr-350
js-table-filter card-type-140
js-table-filter credit-required-116

Est. 1812

  • Cashback
  • Every Purchase
  • No Annual Fee
  • 0% Introductory APR
Card Type Rewards
Purchases APR 12.99%
Balance Transfer APR 12.99% to 22.99% APR%
006
js-table-filter bizname-citi-hilton-hhonors-reserve-visa
js-table-filter airlines-140
95
js-table-filter ccard-type-223
js-table-filter ccard-type-136
js-table-filter every-purchase-138
js-table-filter points-137
15.49
js-table-filter travel-143
js-table-filter card-type-12
js-table-filter no-foreign-currency-transaction-fee-237
js-table-filter credit-required-115
js-table-filter credit-required-116

  • Airlines
  • Every Purchase
  • Points
  • Travel
  • No Foreign Transaction Fee
Annual Fee $95
Card Type Travel
Card Type Rewards
Purchases APR 15.49%
Balance Transfer APR 15.49%
006
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