Citi® Double Cash Card

Cardholders' Choice i
Cardholders' Choice i
Apply by phone: 1-888-262-8315
  • 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 13.24% - 23.24% 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:
13.24% - 23.24%*
Balance Transfer Intro APR:
(18 Months)
Balance Transfer Regular APR:
13.24% - 23.24%*

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 25.49%
Cash Advance Fee 5%, Min: $10
Late Fee Up to $35
Penalty APR Up to 29.99%
Balance Transfer Fee 3%, Min: $5
Foreign Transaction Fee 3%
Return Payment Fee See Terms


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
Nice Addition to My Wallet
by 747491
Helpful to 437 out of 462
Fact: 1% Cash Back on Purchase, no caps
Fact: 1% Cash Back on Payments, even if you choose not to pay the entire balance. (But do the math for your spending and paying habits; the extra 1% could be thwarted if you carry a balance.)  If you pay your current balance before your current statement close date, you get the full 2% in the same statement.  Otherwise, you will get the 1% Payment Reward on the following billing cycle.  
Fact: Redemption methods are statement credit , gift card and check.  You can redeem at a minimum of $25.
Fact: Rewards will expire if you do not earn any rewards for 1 year. Basically if you stop using your card for 12 consecutive months, your rewards will expire.
Fact: You do actually speak with a person immediately when you call.  I have only had to call once when I was unable to active my card online.  
Fact: Chip Enabled (I am still not used to "inserting" the card instead of "swiping" it, but I will get there.)
Opinion:  The application process was easy.  My only complaint is that they do not give you the option to provide a mailing address (PO Box) at the time of the online application  (Discover and Chase do give you the option.)  I gave my PO Box address anyway; and once I submitted the application, the webpage gave me a number to call to finish the application.  Once I called the number, I gave my physical address with no further hassle.  The subsequent approval took maybe 1 minute (Score 764/CL=$5,200).  The representative confirmed that the welcome packet would be sent to the mailing address.  I received the welcome packet at the mailing address 6 calendar days later; though the representative gave a 7-10 business day delivery window.  I applied on a Saturday, and received the packet the very next Friday!
Opinion:  It is a great card to use in conjunction with a ...
  1. Rotating Category card (Freedom & Discover)
  2. Online Shopping booster card (ShopDiscover, sometimes Chase UltimateRewards). 
  3. Category Specific card (Amex Blue Cash for Groceries, BankAmericard Cash Rewards for gas when it's not in a Rotating Category, Sapphire for dining -- you can combine those points w/ Freedom)
Opinion:  As compared to the phenominal, Citi Double's online management is very basic in both visual design and functionality.  You can download statements as PDF, QFX, QIF, CSV, OFX and a "Custom Delimiter".  I have no idea what "Customer Delimiter" is, but a field opens for input before you can download.  You can also request statements older than 12 months in the same interface.  You can go paperless through Citi, or enroll in Citi's eBills service through other instituation.  I enrolled through Bank of America without trouble.  It took about 3 days to receive a confirmation, though a disclaimer quoted up to 2 billing cycles.  You can also create Virtual Account Numbers either with a desktop application, or their web-based application.  Virtual Account Numbers are temporary credit card numbers you can use and cancel so that you keep your real card number secret.  You can also enroll in their Price Rewind program where you can register a purchase for Citibank to find a lower price.  I have not yet been able to try either feature because of a current technical problem they have with the site's Cookie managment.  Citi says their development team is aware of the problem and are working on a fix.  In the meantime, navigating their account management features can be cumbersome.  If you run into this problem, just delete all Citibank cookies. reload the website and sign in again.  It is a pain in the rear; I hope they deploy a fix soon.
Opinion: Their Android App is rather slow to load, but fairly responsive once loaded.  The interface is easy to use and well layed out, containing recent transactions and your reward balance.  You cannot access statements from the Android App.  You can enroll in Citi Wallet, but I cannot comment on that process because I did not like the following stipulation, "There is no charge for using Citi Wallet but we reserve the right to impose a fee at any time."  That ruffled my feathers, but is not a show-stopper for me.  
Opinion:  The card itself is lightweight, and more physically flexible that any other card that I have.  (Amex Blue Cash, Chase Freedom, Chase Sapphire, Discover It, BankAmericard Cash Rewards)
PROS:  Mastercard accepted just about everywhere, flat 2% back (don't carry a balance), eBills/Paperless statements, Chip Enabled, Rewards redeemable via check.
CONS:  Cookie defect in online account management, Rewards not redeemable via direct deposit, online application process does not allow separate physical and mail addresses.
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
Good reward - but with a catch!
by Anonymous
Helpful to 424 out of 484

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 April 2016 through September 2016. 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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