Citi® Double Cash credit card: Features & Benefits

Summary

The Citi® Double Cash Credit Card is one of the best cashback credit cards, and it is a hassle-free, rewarding way to earn back cash on all transactions. The biggest benefit of the Credit card is its 2% cashback rewards program—you earn 1% when you buy something and 1% when you pay your bill. It encourages you to spend wisely and earn the maximum rewards.

Another great benefit is that the card comes with no annual fee, and thus it is a cost-effective method of making cashback without an extra fee. The cashback can be redeemed quite effortlessly as a statement credit, direct deposit, check, or even as Citi ThankYou® Points, so one has different options to utilize the rewards.

For customers who wish to combine debt, the card offers a 0% intro APR on balance transfers for 18 months, which allows users to transfer balances with high interest rates from other credit cards and pay them off at a lower cost. But after the introductory period, a variable APR of 19.24% – 29.24% is applied. The card has one disadvantage in that it charges a 3% foreign transaction fee, making it less suitable for international travelers.

Introduction

The Citi Double Cash Credit Card is one of the leading cashback credit cards today. It is most popular because it has a very simple and valuable cashback reward program that incentivizes users in all their spending. Unlike many other credit cards that offer rebates in certain categories, the Citi Double Cash Card awards cardmembers for all spend categories without category limitation.

One of the biggest advantages of this card is its 2% cashback benefit. You get 1% cashback when you buy something and 1% cashback when you pay your balance. This benefit encourages smart use of credit while earning the maximum rewards. Whether you shop for groceries, eat out at restaurants, buy travel tickets, or shop online, you continue to earn cashback without any hassle.

One more fantastic benefit of the Citi Double Cash Card is that there is no annual fee. Most cashback credit cards do have an annual fee, but with this card, you can earn rewards without any fees. This is a great choice for individuals who would want a high-reward credit card without annual fees.

Overall, the Citi Double Cash Credit Card is a simple, effective, and rewarding way of receiving cashback on everyday expenditures. If you are the type of consumer who pays their bill in full monthly and would welcome an easy way of earning cash back, then this card will be perfect. In the section below, we will be examining its features, benefits, costs, and whether it is best for you in 2025.

What is the Citi® Double Cash credit card?

The Citi Double Cash Credit Card is a popular cashback credit card that rewards you for shopping and paying your bill. It rewards you with 2% overall cashback—you earn 1% when you purchase something and another 1% when you pay your bill. It’s a great option for people who want a simple, rewarding way of earning cashback on all purchases.

The card doesn’t have an annual fee, so it is inexpensive, and it offers redemption flexibility, where you can get a statement credit, direct deposit, or check with your cashback. It’s a great choice for those who don’t want a complicated bonus category rewards card.

How is the design of the Citi® Double Cash credit card?

The Citi Double Cash Credit Card is available in a sleek and modern design. It is blue and green gradient colored, thus appearing new and fashionable. The card is designed in a simple and plain format, with the Citi logo at the top and the card name in bold letters.

While there are some of the best-of-the-best credit cards that have metal construction, the Citi Double Cash Card is constructed out of good plastic and is therefore light and convenient to carry around. Overall, its design is elegant but straightforward and therefore does not look garish but is wonderful while being functional.

What are the benefits of the Citi® Double Cash credit card?

Here are its major benefits:

Earn 2% Cashback on All Purchases

• You earn 1% cashback when you buy.
• You earn another 1% cashback when you pay back the purchase price.
• No more tracking categories—purchases in all categories reward cashback.

No Annual Fee

• The card does not have an annual fee of $0, which means unlimited cashback for free.

Flexible Cashback Redemption

You can redeem your cashback as:

• Statement credit (make your bill smaller)

• Direct deposit into your bank account

• Paper check

• Transfer to Citi ThankYou® Points for additional rewards.

0% Intro APR on Balance Transfers

• Get 0% interest on balance transfers for a short time (typically 18 months).

• Then, a variable APR is charged.

• Great for transferring other credit card balances at a lower expense.

No Category Restrictions

• Earn cashback on everything—groceries, dining, travel, shopping, and more.

• No activation or tracking of special spending categories is required.

Citi Entertainment® Access

• Have sole access to concerts, sports events, and entertainment activities.

Security and Fraud Protection

• $0 liability for unauthorized spending.

• 24/7 fraud monitoring to safeguard your card.

What are the fees for the Citi® Double Cash credit card?

Here is a simple Citi® Double Cash credit card fee breakup.

Joining Fee	$0
Annual Fee	$0 (No annual fee, so you can keep the card without any cost).
Balance Transfer Fee	3% of the amount transferred (minimum $5) if within the first 4 months. 5% of the transferred amount (min. $5) after the first 4 months.
APR (Interest Rate)	Buying APR: 19.24% – 29.24%, based on your credit status. Balance Transfer APR: 0% intro APR for 18 months, then 19.24% – 29.24% variable APR. Cash Advance APR: 29.99% variable APR (higher than purchase APR).
Cash Advance Fee	5% of the amount withdrawn or $10 whichever is higher.
Late Payment Fee	If you miss a payment, the APR may increase (up to 29.99% variable APR). Late payment fee: Up to $41

What are the criteria for getting a Citi® Double Cash credit card?

The following are the primary requirements:

1. You must be between 18 and 70 years old to apply for the Citi® Double Cash credit card.

2. A secured income ensures regular timely payments on the credit card bill. Any amount above it ensures that it increases the approval probability.

3. Your credit score plays a role in the selection process. It is a tendency for AU Bank to favor borrowers with a better credit score usually above 750. 

4. You must be a U.S. citizen resident and have valid address proof within the country. 

5. A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.

6. A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.

What documents are required to get a Citi® Double Cash credit card?

The documents that you will have to submit to Get a Citi® Double Cash credit card are as below:

Identity Proof	Government ID (such as Driver’s License, State ID, or Passport). Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) (for verification purposes).
Address Proof	Present U.S. address (you need to be a resident of the U.S.). Lease agreement or utility bill (only if Citi requests proof of address).
Income Proof	Employer details (if employed). Estimated income annually (you may not have to show documentation, but Citi may verify). Bank statements or tax returns (asked sometimes if further verification is necessary).
Photograph	The latest passport-sized photograph

Where can the Citi® Double Cash credit card be used?

Here’s where you can utilize it:

1. In-Store Shopping

• Spend it at grocery stores, restaurants, gas stations, retail outlets, and malls.

• Accepted at big stores such as Walmart, Target, Best Buy, and Costco (Visa establishments only).

2. Online Shopping

• Accepted on sites like Amazon, eBay, Walmart, and Best Buy.

• Spend it on food delivery (Uber Eats, DoorDash), streaming services (Netflix, Spotify), and memberships.

3. Travel & Hotels

• Book airline tickets, hotels, and cars using Expedia, Booking.com, or airlines.

• Foreign transaction fee-free – excellent when you’re overseas.

4. Contactless & Mobile Payments

• Compilers with Apple Pay, Google Pay, and Samsung Pay to easily make tap-to-pay payments.

5. Cash Withdrawals (Cash Advance)

• ATMs offer withdrawals in cash but have large fees with interest and should not be recommended.

What is the credit limit of the Citi® Double Cash credit card?

The credit limit of the Citi® Double Cash credit card will be based on your income, financial history, and credit score. Citi has no one-size-fits-all limit, but most commonly:

• The minimum credit limit will be $500–$1,000 for regular approvals.

• Most of the users with excellent credit (700+) receive limits of $3,000–$10,000.

• If you possess a great credit rating (750+) and good earnings, you could be approved with a higher credit limit (above $15,000).

How do you apply for a Citi® Double Cash credit card?

You may apply for a Citi® Double Cash credit card in two modes: Online (on the Citi website) and Offline (by contacting a Citi Bank).

Online Application Procedure (Easy & Quick)

• Go to the official website of Citi.

• Find the Citi® Double Cash credit card under credit cards.

• You will be routed to the application form.

• Personal Information: Name, date of birth, Social Security Number (SSN), and phone numbers.

• Income Details: Your income value and job status each year.

• Current U.S. Address: Your present U.S. address.

• Process all information and approve.

• Citi will check your credit score and report before approval.

• You will get instant approval if you have excellent credit.

• If Citi requires checking more details, it will contact you in 7–10 business days.

• Your card will be delivered to your address in 7–10 business days if approved.

Offline Application Process (Visit a Citi Branch)

• Visit your local Citi Bank branch.

• Bring ID, proof of income, and SSN.

• Ask for a credit card application form.

• Give your financial and personal details.

• The bank representative will verify your documents and process your application.

• Citi will verify your credit score and accept or decline your application in a few days.

• Citi will mail your card if accepted.

Would getting a Citi® Double Cash credit card in 2025 be right?

To have a Citi Double Cash Credit Card in 2025 is a great choice if you want a simple and rewarding cashback card. It gives you 2% cashback on all your purchases—1% at the time of purchase and another 1% at payment. It does not have any annual fee, so you can keep the card without paying extra. It’s good for daily expenses, including grocery, dining, and shopping.

But if you take international trips, this card will not be your best bet since it charges a 3% foreign transaction fee. There is also no sign-up bonus or travel rewards like access to airport lounges. But if you pay your bill in full every month, you will receive all the cashback rewards without shelling out through the nose in interest.

Conclusion

The Citi Double Cash Credit Card is a superb option for shoppers who want a simple, easy-to-use cashback card with fantastic rewards. Its 2% cashback structure—1% when you buy and 1% when you pay your bill—is one of the best everyday spend cards out there. Most cards have too much to monitor with complex bonus categories. This card gives you cashback on all of your purchases with no spending limits.

One of the best aspects of this card is that it doesn’t come with an annual fee, meaning you don’t have to pay to keep it. This is an affordable option for someone who wants to earn cashback without added fees. The rewarding freedom also lets you redeem your rewards in the form of a statement credit, direct deposit, or even a check, so you get to decide how you take your rewards.

In addition, the 0% introductory APR on balance transfers for the first 18 months is beneficial for those who wish to pay off existing credit card balances at a lesser interest rate. However, in 18 months, the APR is variable, so it’s advisable to clear your account timely to avoid heavy interest rates.

Frequently Asked Questions (FAQ’s)