The Citi Double Cash® Card is all about making your everyday spending work for you. With 2% unlimited cash back—1% when you buy and 1% as you pay—it’s one of the easiest ways to get rewarded on everything you do, with no caps or rotating categories.
What makes it even better? A $200 cash back welcome offer after spending just $1,500 in the first 6 months, plus a generous intro APR on balance transfers.
Why This Card is for You?
The Citi Double Cash® Card is a powerful tool for anyone who wants to earn consistent rewards without jumping through hoops. You’ll get 1% cash back when you make a purchase, and an extra 1% as you pay it off.
That means you’re rewarded for responsible credit use, whether you pay in full or over time. And there’s no need to enroll in categories or track spending types—every swipe earns the same.
Pros and Cons of the Citi Double Cash®
Before making your decision, it’s important to weigh the pros and cons:
Pros
- 2% unlimited cash back: 1% when you buy, 1% when you pay.
- $200 bonus offer: Earn it after spending $1,500 in the first 6 months.
- No annual fee: Keep more of what you earn.
Cons
- 3% foreign transaction fee: Not ideal for international purchases.
- Cash back earned as ThankYou® Points: Adds an extra step to redeeming for cash.
How to Apply for Your Citi Double Cash®
You can apply online in just a few minutes. Head to the official Citi Double Cash® card page, fill in your personal and financial details, and submit your application securely. Most users receive a decision quickly.
You’ll receive your card in the mail and can begin using it right away to start earning rewards. If you have a balance to transfer, the 0% intro APR for 18 months gives you time to pay it down without interest—just make sure to transfer it within the first 4 months.