Citi® Double Cash Card

Apply by phone: 888-262-8315
  • Earn 2% cash back on purchases: 1% when you buy plus 1% as you pay
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 15.74% - 25.74% based on your creditworthiness*
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases
  • No categories to track, no caps on cash back, no annual fee*
Annual Fee:
Purchase Intro APR:
Purchase Regular APR:
15.74% - 25.74%*
Balance Transfer Intro APR:
(18 Months)
Balance Transfer Regular APR:
15.74% - 25.74%*

Details, Rates & Fees

Click here for Additional Details

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 27.49%* Variable
Cash Advance Fee 5%, Min: $10
Late Fee Up to $39
Penalty APR Up to 29.99%* Variable
Balance Transfer Fee 3%, Min: $5
Foreign Transaction Fee 3%
Return Payment Fee Up to $39


All Purchases

1% cash back per dollar

No cap on spending

Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
EASY app and approval process!
by mission2bdebtfree
Helpful to 548 out of 586

I have not used this card at all yet!! But I wanted to post to possibly help those trying to decide if they should apply. CK said I had very good approval odds. Here are my stats: CK TU score 721, EQ score 720. FICO score 702. Income @$47,000.  I have 3 credit cards with the following balances and CLs:  $7,050 on CL $10,000, $850 on CL $1,900, and $490 on CL $1,300. I also have an auto loan with a balance of $22,480 at 4.7% interest. Credit history is @11 years and I have 100% on time payment history and no derogatory remarks or collections. In the last 12 months (other than getting the car loan) I have paid down over $6000 in debt (I was in a very bad relationship that I finally got out of but unfortunately...still paying the financial consequences)! I applied straight through the CK app and was approved in literally 30 sec with a $4,000 limit. I plan to use it to transfer a chunk of my BOA American Express balance (the one at $7,050) so I can pay down with no interest. I read a lot of reviews on cards and always wished there was more info on people’s individual stats at the time of applying so I could gauge my chances of approval and possible credit limit. So I hope this helps people to use as a comparison when deciding on whether or not to apply! I’ll review again after I’ve used it more! 

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
by noscreennameswork
Helpful to 653 out of 703

I have a credit score of 816 and got a instant approval for $9400.  I got this card to use for my business and have had it less then a month but they have stopped it multiple times for fraud...there is no fraud I'm just using it...stopped it 3 times just in the last 24 hours.  The customer service is rude on the phone and I never know if its going to work because they keep putting fraud holds on it.  I've had the card for 3 weeks and have spent and paid $15,000  and have a zero balance.  They are still rude on the phone...and here we go again... 4th fraud email just came thru...this is now 4 in the last 24 hours.   Now time for another 30 min phone call to get it taken care of... I regret the credit inquiry and I regret getting this card... I think I'll just go back to using my discover.   The main purpose of this review...which I never write reviews... is the HORRIBLE customer service.

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† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from September 2018 through February 2019. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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