Citi® Double Cash Card

Apply by phone: 888-262-8315
  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 14.49% - 24.49% 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:
$0*
Purchase Intro APR:
N/A
Purchase Regular APR:
14.49% - 24.49%*
Variable
Balance Transfer Intro APR:
0%*
(18 Months)
Balance Transfer Regular APR:
14.49% - 24.49%*
Variable

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 26.24%* Variable
Cash Advance Fee 5%, Min: $10
Late Fee Up to $35
Penalty APR Up to 29.99%* Variable
Balance Transfer Fee 3%, Min: $5
Foreign Transaction Fee 3%
Return Payment Fee See Terms

Rewards

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
StillAmShocked09
Wanted Equifax Score
by StillAmShocked09
Helpful to 493 out of 508

Hey everyone, I applied for this card and was approved for $3,700. I was hoping for a higher limit, but I guess that will have to do for now. My current fico scores are 711 though both Transunion and Experian. I'm not sure what my Equifax fico score is, but guess what? That's why I got this card. Discover shows my Transunion score, AMEX shows my Experian score, and I was told that Citi shows the Equifax score. After logging in my account for the first time today, I can confirm that this card shows your Equifax score. It won't show mine until my first statement though, as I just activated the card today. So now I get my fico scores for free from every credit bureau. Here are my current credit card limits:

American Express Everyday Preferred: $8,000

Capital One Quicksilver: $6,500

Discover It: $2,300

Citi Double Cash: $3,700

By the way, my credit score was in the 500's a couple years back because of some stupid decisions I made in the past, and my little knowledge at the time of how credit worked. My advice is to be patient, pay your bills on time, keep your credit utilization below 30%, and ask for higher limits from your credit cards every 6 months (most credit cards will not do a hard pull for this, and if they do, they'll let you know). Your score will creep back up slowly. Hope this helps.

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
Anonymous
Good reward - but with a catch!
by Anonymous
Helpful to 570 out of 639

Initially excited 2% cash back is a great reward. However, the details matter. You don't get the 1% of purchase as you make them - only after the billing statement closes. You MUST pay attention to when you pay the bill -> if you pay the balance too early, don't get the 1% back on of payments. The payments must be captured on a "purchase tracker" -> which can be much later than when you make the charges.

 

 But what really annoyed me -> they "hold" payments for up to 5 business days.  The payment will show as posted..but will not increase your available balance.  They claim this is to make sure the "funds" clear -- but then why show the payment as posted? It should remain at the status of pending. Also, it doesn't not take 5 business days to clear an online electronic payment, especially when the money is withdrawn from bank account within 2 business days!

I prefer the capital one card 1.5% - it is truly no hassle. Earn cash back immediately, payments that post immediately increase availble balance!


Our Take

The Citi® Double Cash Card offers both an attractive rewards plan and a 0% intro APR, making it a good option for consumers with good credit.

What to Like

You can earn 1% cash back on all purchases, and an additional 1% when you pay back those purchases. There are no cash back limits or rotating categories. The Citi® Double Cash Card also offers a 0% intro APR on balance transfers for 18 months.

Look Out For

The Citi® Double Cash Card charges a 3% or $5 (whichever is greater) fee for any balance transfer and 3% for foreign transactions.

Similar Offers

† 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 December 2016 through May 2017. 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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