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Citi® Double Cash Card

Cardholders' Choice i
Approval Odds

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4.1 out of 5 stars
246 Reviews

From Cardholders in the last year

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Application Process

4 out of 5 stars

Customer Service

3.5 out of 5 stars

4 5

Card Details

  • Balance Transfer Intro APR 0%* for 18 Months
  • Balance Transfer Regular APR 13.49% - 23.49%* Variable
  • Annual Fee $0
  • Purchase Intro APR Not Applicable
  • Purchase Regular APR 13.49% - 23.49%* Variable

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.


Most Helpful Positive Review

Sep 22, 2016
Wanted Equifax Score
StillAmShocked09 Cardholder

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.

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Most Helpful Negative Review

Mar 08, 2016
Denied then approved
Anonymous Cardholder

My odds where poor to get this card with 693 tu/694 eq but I received a mailer advising I prequalified for this card so I went to their pre qualify website and was told they could not find an offer for me so I pushed the invite to the side. A few days later I decided to give it a try after getting approved for the Amex Everyday card. I filled out the information and the little wheel spun forever only to deny me. I shrugged my shoulders and said whatever cause I am still trying to build my credit only to check my email that morning and find I had been approved for 3000.00. Kind of weird.

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These reviews were written by current and former cardholders in the last year.

Jan 23, 2017
Fabulous card
SDNadia2016 Cardholder

This card is the ultimate card to have. After years of being miserable with high interest low service cards like credit one or secured capital one, having Citi double cash is a relieve. It makes the years of paying debt back worth my while. I was approved with a TU around 645 and Efax around 635 according to CK and given 1000$ limit. I have loved my card since the moment I got it. 

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Jan 22, 2017
Exactly As Advertised
SBnTX Cardholder

I use this card for everything from day-to-day expenses to auto bill pay. It pays me 2% and I'm using their $$ for brainer! Some reviews are knocking their lower initial credit limits and I had the same thing happen over a year ago when I got the card. But, every 6 months, I just request a credit limit increase and its usually granted. So, be patient...good things come to those who wait! 

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Jan 19, 2017
Uncertain yet so far disappointed
Anonymous Cardholder

I am a little more than a little disappointed right now. I applied for this card because of the lower balance transfer fee and 18 month interest fee introductory rate. My FICO score was 799 yet I was given a limit of only $3200? And a 16.49% interest rate? With my credit I really feel that I have earned better. I am looking forward to seeing how this will work out and if I can speak to a customer service rep without another hard inquiry on my report.

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Jan 17, 2017
2% Cash Back
spikes2020 Cardholder

I just applied with a score of 780, and 764. I got approved for $8,000 instantly. This is the second time i applied for this card, first time they needed me to send in a paystub to prove my income. I waited a few months and applied a second time and they didnt require anything.... 

I just want 2% cash back over the 1.5% i currently have.

I have not used customer service but having to apply twice with a score as high as mine, seems kind of pain in the butt.

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Jan 16, 2017
Great card, use it for everything
rhk06c Cardholder

Really love this card. I was between a cash back card and a travel card but decided to go with the Citi Double Cash as friends recommended the card. It's nice not having to worry about whether a certain item qualifies for cash back as the double cash applies to everything.!

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Jan 15, 2017
There's not much that beats cash back
crashspeeder Cardholder

This card gives you 2% cash back on every purchase (1% at purchase and 1% when you pay your bill).  The only thing that could make this card better is no foreign transaction fee.  The 0% offer is quite generous and the fact that it's a World Elite MasterCard means it has good benefits as well.  I haven't used the concierge yet due to having a few cards with concierge services, but the cash back is what makes this card for me anyway.  Return protetion, extended warranty, roadside assitance, and price rewind are icing on the cake.

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Jan 14, 2017
Fantastic credit card.
athodor Cardholder

A total of 2% CB after paying with no categories or rotations to worry about - amazing! Rewards can be cashed out in any amount over $25 (not forced to do in chunks of $25 exactly like Amex). Website is just OK, service is good though. 4.5 stars overall but I erre on side of 5 since can't use 4.5.

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Jan 12, 2017
Worst credit card service
kleiser30 Cardholder

I applied for the card on dec 2016 , pretty excited to use this card a my primary card ! But when I got approved my credit line was pretty low compare to most of my credit cards. Their limits are between 7k and 10k.. I just got approved for 3600 .. after getting approved...  ofcourse I got a hard inquiry in my credit score , I called to discuss the credit limit ..the true I  was expecting that they review my application using the first credit pull ... but the customer service rep ask me for permission to pull my credit a second time ...  I declained the offer ... I request a soft pull or even use my first pull .. the rep just didn't do noting to show interés in help me , so I decided to close the account .. I just could imagine now what type of service i would have received staying with the card .. be aware !! 

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Jan 12, 2017
sorry, terrible experience
patttt323 Cardholder

I was staying at a hotel in Las Vegas and when I got home, I found that I was charged $224 for extra cleaning fee. I called the hotel and they said my service dog created extra work for cleaning. I immediately asked for evidence (photos and etc.) and they refused to provide. Then they asked me to contact Citi bank for disputes. After Citi reviewed the case, they said I was resposible for this ridiculous charge without letting me know or showing me their evidence (I didn't find out until I logged in my online banking). Now I have closed all my Citi accounts and also asked my friends and family to reconsider Citi. 

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Jan 13, 2017

I really didn't get it. What's CITI has to do with that? It was was between you and the hotel, by the way I work on a hotel at Las Vegas Blvd, and this kind of charges happens every day.

Jan 17, 2017

You know you and your animal did this and you tried to play the hotel but now you mad that Citi didn't help with the scam! I'm sure Citi glad you're gone!

Jan 09, 2017
simple easy to use/understand cash back
ny1357 Cardholder

don't use your points to lower your balance.  send cash back to your bank account or it will lower the cash back.

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Sample Size: 585
Data Created: February 02, 2015

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‡ Average score refers to the arithmetic mean and typical low score to the 5th 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 June 2014 through November 2014. 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.

Citi® Double Cash Card

246 Reviews
Cardholders' Choice i