Citi Double Cash Credit Card: Twice the Cash. Zero the Hassle.

The Citi Double Cash Credit Card delivers powerful rewards through a refreshingly uncomplicated system.

The Citi Double Cash Credit Card is designed for people who want rewards that are easy to understand and simple to earn. With 2% cash back on everything — 1% when you buy and another 1% when you pay off your purchases — this card doesn’t waste your time with rotating categories, complicated rules, or surprise restrictions. Plus, there’s no annual fee, making it an excellent choice for those who want solid rewards with long-term value.

Why Citi Stands Out

Citi brings a practical, consumer-first approach with the Double Cash card. While many competitors rely on tiered reward programs or travel redemptions tied to brand-specific portals, Citi gives you cash back in real dollars — no guesswork, no points confusion. Compared to American Express or Chase, Citi’s straightforward structure appeals to those who want to spend, pay, and get rewarded automatically.

Types of Cards in the Market

To understand where Citi Double Cash fits, let’s break down five major credit card categories:

1. Premium Travel Cards – Offer airport lounge access, elite status, and travel protections, but often come with high annual fees.
2. Rotating Category Cards – Earn high cash back in changing categories but require activation.
3. Flat-Rate Cash Back Cards – Provide consistent earnings on all purchases with no tracking needed.
4. Credit-Building Cards – Typically secured cards for those new to credit or looking to rebuild.
5. Balance Transfer Cards – Focused on reducing interest payments with promotional APR offers.

The Citi Double Cash is a hybrid of flat-rate rewards and balance transfer functionality — blending value and practicality into one versatile card.

What You Get with the Citi Double Cash Card

Unlimited 2% Cash Back

Earn 1% when you spend, and another 1% when you pay — no limit on how much you can earn. This simple approach works well for both frequent and casual cardholders.

No Annual Fee

Your cash back is yours to keep. There are no fees eating into your rewards, which adds up to more money in your pocket year after year.

Introductory Balance Transfer Offer

Pay off debt faster by transferring existing balances and enjoy 0% APR for 18 months. There is a 3% fee (or $5 minimum) on each transfer, but the savings can be substantial.

Welcome Bonus Available

Spend $1,500 within six months, and you’ll earn $200 in cash back (delivered as 20,000 ThankYou® Points). It’s an easy win for regular spenders.

5% Cash Back on Citi Travel

Earn even more when booking hotels, flights, or car rentals through Citi Travel. You’ll receive 5% back on eligible purchases through the portal.

Flexible Redemption Options

Your cash back is converted into Citi ThankYou® Points, which can be redeemed for statement credits, direct deposit, checks, gift cards, or even online purchases.

Digital Features and Tools

Citi’s mobile app and desktop portal make it easy to track spending, redeem rewards, or manage payments. You can also use your card with Apple Pay, Google Pay, or contactless tap-to-pay technology.

Purchase Protection and Security

Enjoy $0 liability for unauthorized transactions and get real-time fraud alerts. Citi also offers a Digital Wallet Number for safer online shopping.

How the Citi Double Cash Card Affects Your Credit

The Citi Double Cash card can have a positive effect on your credit score if used responsibly. It reports to all three major credit bureaus, so consistent on-time payments and maintaining a low balance can boost your credit profile. If you’re carrying existing credit card debt, the balance transfer option can also help you reduce utilization and pay down debt faster — which improves your score over time.

How to Apply for the Citi Double Cash Card

Follow these simple steps to apply:

1. Go to the official Citi website and navigate to the Citi Double Cash® Credit Card page.
2. Click “Apply Now.”
3. Enter your details, including your name, address, income, Social Security number, and employment status.
4. Review your information and submit your application.
5. Wait for approval, which typically happens within minutes. If approved, you’ll receive your card by mail.

Who the Citi Double Cash Card Is Right For

This card is well suited for:

Users who prefer to earn automatically, without activation or tracking

Consumers who want straightforward, unlimited cash back

Those looking to avoid annual fees

Cardholders who want to consolidate debt with a long 0% APR window

People who value flexible redemption options